Small Loans, Big Help
Fair Go Finance’s small loans might be compact, but they’re big on features and benefits. As Australia’s fairest online small loans provider, our tiered fees are tailored to your credit profile. So, unlike our small loan competitors, you can pay less with us.
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Calculate your repayments
What this means...
- Interest Rate p.a.
- 29.90%
- Comparison Rate p.a.
- 41.64%
- Total Repayment
- $4,212.51
Minimum weekly repayment*
$81.01
Ready to get started? Get your personalised rate and repayments without impacting your credit score or see our rates & fees
*Includes an interest rate of 29.90% (Comparison Rate of 41.64%). All prices are indicative and applications are subject to assessment. Fees and charges are payable. The Comparison Rate is based on an unsecured personal loan of $2,500 for a term of 2 years. WARNING: The comparison rate is true only for the example loan amount and term selected and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Discover Australia’s Fairest Small Personal Loans
In a small loan market swamped with lenders promising the ‘best small loans’, we prefer to let our tiered fees and satisfied customers across Australia do the talking.
When you apply online for one of our small personal loans, you can relax knowing you’ve got a fair deal. And, as one of the largest non-bank lenders in Australia, our responsible lending commitment means we always do the right thing by you. We’ll never lend you more than you can afford and, thanks to our tiered small loan fees, our lower prices help minimise the total cost of your loan too.
At Fair Go Finance we’re here for you long term, not just to meet your short-term small loan requirements. That’s why we also provide lower rates and loyalty benefits to our returning customers. If you are looking for a way to manage your finances easier, we can also help with debt consolidation loans
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Need a small loan fast? Let us help.
Our cash loans range up to $2,000, and you’ll get your money minutes after approval. We can help get you through to the other side with flexible terms, a customised interest rate and a loan that’s tailor-made to you.
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Small Loan Rates, Fees and Features
At Fair Go Finance, we value transparency for our customers. And if you’re shopping around for a small loan lender, you’ll need the facts to make the right choice. Learn more below.
Rates (APR), fees & features
Small Amount Loans Eligiblility
Read More: Small Amount Loans EligiblilityMedium Amount Loans
Read More: Medium Amount LoansLarge Amount Loans
Read More: Large Amount LoansFor our loans of $500 to $2,000 an APR (Annual Percentage Rate) does not apply. For loans above $2,000 maximum APR is 48%. *All prices are indicative for an unsecured personal loan and fees and charges are payable. WARNING: The comparison rate is true only for the example loan amount and term selected and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
1. Comparison Rate is based on an unsecured personal loan of $1,000 over a term of 6 months. Fees and charges are payable.
2. Comparison Rate is based on an unsecured personal loan of $2,500 over a term of 24 months. Fees and charges are payable.
3. Comparison Rate is based on an unsecured personal loan of $10,000 over a term of 24 months. Fees and charges are payable.
Small Loans For Life's Little Moments
Sometimes, it's the little things in life that catch us by surprise. Whether it's a minor home repair, a last-minute gift, or that one random expense, these moments can add up and strain your budget. That's where Fair Go Finance comes in.
We offer small loans designed to help you handle those everyday expenses with ease. At Fair Go Finance, we believe in providing flexible financial solutions to make life's little moments manageable.
Experience the peace of mind that comes with knowing you have support for the small, unexpected costs that life throws your way.
Instant Approval, Same Day Small Loans.
At Fair Go Finance, we've streamlined our application process to be super quick and easy, so you can get the funds you need without delay.
Simply fill out our online form, and you could be approved in less than 6 minutes. No waiting around. No unnecessary hold-ups.
Need a fast small loan?
Apply For A Small Loan Today
Personal loans don’t have to be large and complicated. At Fair Go Finance, our small loans are designed to be simple and flexible, ranging from $500 to $2,000 with terms of up to 12 months. With no early payout fees and personalised rates, our small loans offer flexibility and competitive rates, regardless of your credit rating. Apply now and enjoy the ease of flexible repayments with Fair Go Finance.
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Apply now
Our online application takes just six minutes to complete.
Accept our offer
We send you the loan terms. You accept with a secure SMS code. It couldn’t be easier.
Get your funds
Our real-time funding means your funds are in your account on the same day.
Stay supported
We stick around to help with repayments, questions and credit score boosts.
We're with you
So why Fair Go Finance?
We want what’s best for our customers. And we show it every day with loans and service tailored to you.
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Genuine customer service
Our genuine, down-to-earth team is here for friendly, helpful advice – and zero jargon.
Personalised pricing
We get to know your situation to craft a tailored rate just for you.
Credit score boost
Make timely repayments on an initial easy-to-manage loan to actively boost your credit score.
Check if you qualify
Learn how likely you are to get approved, with no impact on your credit file.
Learn more about our small loans
Get the answers to frequently asked questions about our small loans below.
In Australia, a small loan is simply a personal loan of up to $2,000 that’s repaid relatively quickly (between 16 days and one year).
You’ll find lots of small loan lenders in Australia promising ‘cheap’ or ‘low interest’ rates, and many of them allow you to apply online, as we do. But you need to be careful. Many of these small loans are one-size-fits-all loans, with the lenders charging the highest fees they can.
At Fair Go, we provide small unsecured personal loans from $500 to 2,000, but we personalise our loans, which means we tailor our terms to minimise your borrowing costs. Learn more about our tiered small loan fees and why we pride ourselves on providing the fairest small loans in Australia.
We encourage all our customers to explore what’s possible for their unique situation and apply for a loan that suits them. Even if you think you have bad credit, we assess each application individually, making sure we’re being responsible lenders and you’re getting a fair go.
Anything you like. Our small loans help customers get fast access to funds with a simple, 100% online process. They can be used to cover or spread the costs of:
To be eligible for a small loan, applicants must:
Be over the age of 18
Receive a regular income from employment
Be an Australian resident (or on an approved visa)
Not currently be in hardship, Part 9 debt agreement or bankruptcy.
We provide loans ranging from small loans of $500 - $2,000, medium loans of $2,050 - $5,000, and large loans of $5,000 - $10,000 for customers across Australia, from Sydney to Perth and from Melbourne to Cairns.
What’s more, whether you need a small loan or a bigger loan, our quick, easy and secure online application process is the same. You can apply online and get a provisional decision from our smart system in minutes.
Apply for your loan today and see for yourself how fast and simple it is.
Our small loans have fixed rates tailored to you, so you know exactly what your repayments will be. And repayment terms also vary, from three to 12 months, depending on what you need.
While we can’t guarantee whether you’ll be approved for a loan until you complete an application, we do have an eligibility estimator that gives us a good idea. And better still, there’s no impact on your credit score to find out. Read our blog for more tips on improving your chances.
In Australia, the establishment and monthly fees for small loans are capped at set limits. And while most small loan lenders charge the highest possible fees, we like to do things differently.
Our interest rates and establishment fees for small loans are calculated using risk-based pricing. This means you get a tailor-made interest rate based on your credit score.
We work quickly for our customers. So, you can expect an outcome within 24 to 48 hours of applying for a small loan.
Loan repayments depend on a few things, like your interest rate and the loan amount. Our handy loan calculator gives you a general idea, but the customised interest rate we give you is the most accurate way to know.