Have you suddenly been faced with needing to travel somewhere urgently and don’t have the money to pay upfront?

It’s a situation that unfortunately can happen. Sometimes it can be for a very happy reason, like being selected for a state rugby team while other times it can be for something unexpected and you just need to get there.

At Fair Go Finance we’ve made sure our online travel loan application and approval process is incredibly fast, so for whatever reason you need to travel urgently for, the money could be in your account as fast as this afternoon or tomorrow.

But before you apply with us, or think of applying elsewhere, don’t start just yet!

If you’ve decided an emergency travel loan is your best option, here’s 5 tips to help you make sure you do it the right way.


1. Make sure the travel loan is provided by a responsible lender

If you’re rushing to find a loan, don’t let the urgency cause you to apply with the very first one that pops up.

Taking a loan out with an unscrupulous lender will only cause you more stress, excessive costs and no support.

Responsible lenders, like ourselves, operate fairly and will make sure the loan is affordable for you and achieves your needs.

Here’s some things you can look for:


2. Loans up to $2000 come with fixed maximum fees – but not with us.

The Australian Government strictly regulates small loans up to $2000 because many vulnerable Australians were getting charged excessive fees by irresponsible and “shark” lenders.

All loans up to $2000 aren’t charged interest but they generally have an establishment fee and a monthly fee charged instead.

The Governments’ rule is that these loans cannot be charged any more than 20% of the loan amount for the establishment fee and no more than 4% of the loan amount for a monthly fee.

Most lenders stick to this and charge these maximum rates for all their loans up to $2000.

At Fair Go Finance, we’re different and have the best priced small loans in Australia.

Because we will take into consideration your credit history when we assess your loan and reward you accordingly.

If you have a good credit rating you will be rewarded with an even lower establishment fee AND lower monthly fee on your loan – it’s just another way we stand out from the other lenders who offer these size loans.

emergency travel loan


3. ONLY apply for one loan – applying for more will damage your credit rating

We understand you’re feeling anxious about getting your travel loan sorted, but its critical you don’t jump online and apply to numerous places.

When you apply for a loan, a credit check is completed by the lender.

When another lender sees you’ve made new applications to other lenders, it will work against you.

IMPORTANT TIP: Submitting multiple loan applications over a short period of time will negatively impact your credit report and credit rating. 

If they are a trustworthy and transparent lender, they should also have a loan eligibility page where you can make sure you are actually eligible to apply for a loan before submitting an application, so please make sure you check!


4. In financial hardship, will the emergency loan provider still help you?

Finding an urgent loan provider may be easy when you are in a good financial position, but what if that changes after you’ve taken out the loan?

It’s very wise to find a lender who you know will support you and assist in every way they can if you hit difficulty such as losing your job or having an accident so you can’t work.

At Fair Go Finance our Customer Care team are dedicated to assist our customers throughout their financial future, in good times and in bad.

Have a quick look at the lenders reviews, social media sites and if they have any website pages focused on financial hardship.


5. What other personal loans can they offer?

You may be looking for an urgent travel loan today, but it’s worth checking to see if the lender offers other loan products too.

Do they offer larger loans or car loans perhaps?

It makes sense to choose a lender that has other loan products too, because if you ever need another type of personal loan, your good repayment history from your urgent loan will greatly improve the likelihood of you being approved again.

At Fair Go Finance we reward all of our returning customers with an express application form and further reduced fees and interest rates, which are all part of our Mates Rates reward program.

Do you feel Fair Go Finance is the right lender for you? Then please apply with us today!

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Are you eligible to apply?


It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:
For more information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.

Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
If you are on government benefits, ask if you can receive an advance from Centrelink.

The Australian Government’s MoneySmart Website shows you how small amount loans work and suggests other options that may help you.

* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.