Who has the best small loans in Australia? We do!

At Fair Go Finance, we’ve been providing small loans across Australia since 2008 and have helped thousands of Aussies move forward with their small loan needs!

We’re convinced we have the best small loan up to $2000 and here’s why!


What is a small loan?

A small loan in Australia is formally known as a SACC (small amount credit contract) and is for any amount up to $2000.


Why are Fair Go Finance’s small loans the best?

There are a number of reasons why we’re sure our small loans are better than our competitors. They include:

  • We offer longer loan terms so your repayments are more affordable.
  • We reward customers based on their credit history with lower rates and fees.
  • We help customers who’ve been knocked back by the banks due to their credit history.
  • We have a “mates rates” rewards program so returning customers receive great fee discounts.
  • Our online application process is fast, easy and paperless.
  • Our staff are incredibly helpful, understanding, knowledgeable and will never judge you.
  • We are a responsible lender, and will only offer you a loan if it is affordable and suitable for you.

Let us explain each of these in more detail!


We offer longer loan terms so your repayments are more affordable

Our loan terms can go up to 12 months for our small loans, which helps reduce the required repayment amount and makes it more affordable!

Some of our competitors have much shorter terms (such as 6 months or less) which means the loan repayments will be higher and could make it harder for you to repay on time.

Having longer loan terms means that when we review your individual circumstances, we have the flexibility in structuring your loan to make sure you are comfortable with the ongoing repayment amount. That’s why we’re called Fair Go!

Australian $100 notes

We reward customers based on their credit history

Rather than having only one standard cost for our loans, our small loans are designed to help reward customers with good credit, whilst also giving a fair go to customers who have poor credit and can’t get help through the traditional banks.

This means we don’t charge a set 20% establishment fee and 4% monthly fee like our other competitors, but we discount these fees in accordance with your credit rating.

This acknowledges and rewards customers with a better credit rating whilst encouraging our not so good credit customers to improve their credit status and move forward with their financial security.

For those customers who start with a poor credit rating, once they’ve taken a loan with us and shown us they can make their repayments on time (which helps to improve their credit rating with us) each time they return for a loan they will also receive discounts as a thank you for their loyalty and improved credit history with us.


We help customers who’ve been knocked back by the banks

As explained above, not only do we help good credit customers, but we also are able to help certain levels of bad credit too.

We understand that life can sometimes throw you a curve ball or two, which can result in defaults on your credit report, missed/late bill payments or even bankruptcy/part 9.

That’s why our small loans are also available for bad credit customers who’ve perhaps been knocked back by the banks because their credit rating wasn’t acceptable.


We have a “mates rates” reward program for all returning customers!

Our rewards program is our way of saying “thanks for coming back for another loan!”.

Regardless of whether you started with good credit or bad, not only will we provide you with an express application through our customer portal, we will give you our priority service plus a cheaper loan than before, every time you come back!


Our online application is fast, efficient and paperless

When you apply with us, we’ve made sure our application process is fast, streamlined and effortless!

It will take only a few minutes to submit, and there’s no need to sign anything.

We use E-sign technology so you simply use a unique code that we SMS you, so you can accept our loan offer, plus we provide a free online bank statement service so there’s no need to send us months of bank statements – it can all be done through your online banking within seconds!


Our staff are helpful, knowledgeable and understanding

We pride ourselves on providing you with great service by genuine and understanding staff who want to help.

They will always review your individual needs and explain everything you need to know, without ever judging you.


We are a responsible lender and will make sure we do the right thing by you!

We are very committed to ensuring you can comfortably afford our small loans, and we would never provide a loan if it may cause financial distress or hardship.

We are an ethically aware business and understand how important it is for customers to trust us, which is why our customers best interest is always our priority.


Like to know more before you apply for a small loan?

Please have a look around our website including our small loans page, customer testimonials, how we compare page and blogs.

Prefer to watch a video? Here’s our MD, Paul Walshe, explaining why our small loans are the best in Australia!

We are dedicated to providing you as much information as we can to help you, but if there is anything we’ve missed we welcome you to contact us! We’re here to help!


Related Articles

Can your spending habits affect your kid’s future?

When it comes to kids, all parents wish for them to be healthy, happy and financially secure. For their child’s financial well-being, some dream to raise the next sports champion

Read More
woman considering credit options

When is a personal loan better than buy now pay later?

  What would you do if you really needed to buy something but didn’t have enough money in your bank account? If Afterpay springs to mind, you’re not alone. This

Read More
managing bills and loans

Three tax tips to know before lodging your return

Do you ever work from home? Or use your home internet or personal phone for work purposes? Perhaps you’ve been doing some extra work as an Uber driver or renting

Read More

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.