Fair Go Finance Online Personal Loan

Borrow up to $5,000 from a lender that looks beyond your credit history. Find out about applying with Fair Go Finance.

If you’re in need of a short-term financing solution but your credit history is less-than-perfect, you can look to Fair Go Finance to consider you for a loan. It provides personal loans for borrowers with both good and bad credit history and you can borrow up to $5,000. Apply for as much as you need and have up to 1 year(s) to repay it – find out if you’re eligible below.

Min Loan Amount$2,250
Max. Loan Amount$5,000
Initial Maximum Loan Amount$5,000
Loan Term3-12 months
Loan SecurityUnsecured
Turnaround TimeWithin 24 hours
Costs29.90% p.a. + establishment fee of between $460 - $695 + $5 monthly fee
Requirements18 years old, a permanent Australian resident and in regular paid employment
Available to Centrelink borrowersNo


  • Fixed repayments
  • No penalty for early repayments
  • Easy repeat borrowing


  • High loan costs
  • Aged 18+
  • Be employed (self-employed, casual and contractors considered)
  • Earn at least $500 per week
  • Income cannot be solely from Centrelink

How does a personal loan from Fair Go Finance work?

You can apply for between $2,250 and $5,000, depending on what you’re looking to finance and what repayments you can afford. The application takes about five minutes to complete and you can receive your loan 24 hours after approval.

Fair Go Finance will direct debit repayments on the agreed upon dates until your loan is repaid in full, but you can repay your loan earlier without penalty. Subsequent loans applied for as a repeat borrower enjoy a speedier application process.

What features come with a Fair Go Finance personal loan?

Taking out a small personal loan (below $5,000) with Fair Go Finance gives you access to the following features:

  • Choice of loan amount. Borrow just as much as you need. Loan amounts between $2,250 and $5,000 are available. Fair Go Finance also offers smaller loans from $500 and larger loans up to $10,000.
  • Fixed repayments. Easy budgeting comes from knowing what your repayments are every month – you’ll have this with a fixed rate for the term of the loan.
  • No early repayment penalty. If you find you can repay the loan early, you’re able to do so without being charged a penalty.
  • Use the loan amount for anything (legal). It’s your choice how you use your loan amount. You could consolidate existing debts, pay for home renovations or a rental bond or even use the loan to buy new furniture.
  • Easy repeat borrowing. Applying for a second loan sees a speedier application through Fair Go Finance’s ‘Express Service’. You are able to enjoy a lower application fee and reduced interest rate.

The costs of the loan

The following costs apply to this loan:

  • Establishment fee: Between $460 and $695
  • Monthly fee: $5
  • Interest rate: 29.9% p.a.
  • Comparison rate: 38.82% p.a.

Ready to apply?

You can click ‘Go to Site’ to get the process started. The following eligibility criteria will apply:

  • Age. You need to be over the age of 18.
  • Employment. If you’re self-employed you need to have been in that position for 12 months, if you are casual or a contractor you need to have been employed for six months.
  • Centrelink. Your income cannot solely be from Centrelink.
  • Income. You need to earn at least $500 per week.

If you meet the above criteria you are eligible to apply. You’ll need to submit your application online, and to do so you’ll need the following details:

  • Identification documents such as your Medicare card or driver's licence
  • Your Internet banking details so Fair Go Finance can access the last three months of your bank statements
  • A recent payslip
  • Your Internet banking details if you’re providing your statements through Bank Vision

Fair Go Finance is an option for you if you’re looking for a convenient personal loan. You can borrow up to $5,000 even if you have bad credit and have up to 1 year(s) to repay it. While this is a competitive offer, it’s important to compare it with other loans to make sure it’s the right one for you.

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