When it comes to your finances, especially online, it’s really important you approach it cautiously.

In today’s world there are unfortunately irresponsible lenders and even scammers, which nobody wants to fall prey to.

That’s why, here at Fair Go Finance, we’re passionate about educating you and explaining what you should consider before taking out any type of online loan.

Here’s a quick checklist you can use to help find a trustworthy lender.

1. Check how secure their website is

If you’re looking for an online loan, the first thing you can do is check is how secure the lender’s website is.

You can do this by ensuring it has a padlock in the URL bar, and even better, that it has the organisation’s name in the bar too.

Is Fair Go Finance’s website secure? Absolutely! When you look at our URL, you will see both the security padlock, as well as our business name of Fair Go Finance [AU].

2. Review their website for transparency

Next, see if you can find all the information you would like to know, especially about fees, repayments, costs etc. If they have got an online chat facility, you can also ask a few quick questions to see how helpful and open they are.

Is Fair Go Finance transparent? Definitely! We provide everything upfront, so you will always have all the information you need before you go ahead and apply for a loan with us.

online loan search

3. Do they provide helpful information and resources?

Unfortunately there are unscrupulous lenders who provide no education or assistance to their customers. When looking at a lender, see how much information and resources they have openly available. You will soon be able to identify those that care about the wellbeing and future of their customers.

Does Fair Go Finance provide helpful information and support? We certainly do! Throughout our website we have useful tips and advice about online loans, including our many educational blogs to help our customers move forward financially.

4. Do they respond to customers, particularly if they complain?

Make sure you visit the lender’s social media pages too. Here you will see how quickly and respectfully they respond to any customers that may have complained or had an issue. It is normal to receive complaints, especially from customers who may have been declined and are feeling upset, but the key is to see how the complaint is handled, which will prove to you how genuine the lender is.

Does Fair Go Finance respond fairly to their customers? Please have a look at our social media pages and you will see we are very committed to responding to all our customers in a respectful and understanding way.

5. Do they operate within all of the laws?

Check to see the lender has the correct information (such as a registered ABN, and ACL number listed on their website) that they are registered with regulatory bodies and are active industry body members as well. By having these it will show they are committed to adhering to all the rules and regulations required by law.

Is Fair Go Finance fully registered? And does it also belong to reputable industry bodies? Yes and Yes! Our Australian Credit Licence is ACL 387995 and our Australian Company Number is ACN 134 369 574. The regulatory and industry bodies we belong to are:

The National Credit Providers Association

Financial Ombudsman Service

Mortgage and Finance Association of Australia

Here at Fair Go Finance we pride ourselves on being transparent, helpful, understanding and compliant.  

We hope you find this checklist helpful when considering an online loan, and will consider us next time you need finance!

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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.