Good to Go Cash Loan Review

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Get a Cash Loan for any amount between $500 and $5,000, even if you have bad credit or are receiving Centrelink.

Good to Go provides finance to borrowers across Australia, and you can apply for a Cash Loan of $500 to $5,000 through this online lender. Loan terms vary between 4 weeks and 52 weeks. You can apply for this loan if you’re self-employed, if you receive Centrelink income, or even if you have bad credit.


Maximum loan amount

Within few hours

Turnaround time

4 weeks - 52 weeks

Term of loan

How does a Cash Loan from Good to Go work?

You have to start by submitting an online application, followed by uploading required loan assessment documents using the Good to Go Document Portal. These include two forms of identification, as well as income verification documents in the form of tax returns, payslips, bank statements, or Centrelink statements. You also have to upload bank transaction details for the last 90 days.

Once Good to Go receives your application along with all other required documents, they take no more than a few minutes to complete the assessment and give you an answer. Upon approval, you receive the contract’s details via email, which you have to sign digitally. Once you do this, you can get access to your funds almost immediately, or overnight.

Other cash loans you can apply for

Whilst we don't compare this loan directly, here are some other loans that are similar.

Updated September 20th, 2019
Name Product Maximum Loan Amount Term of Loan Turnaround time Arrears Fee Costs Fortnightly Repayment (for $1500 Loan)
62 days to 9 months
1 hour - conditions apply
10% of loan amount + 2% of loan amount each month
Finder Exclusive: 50% discount on the establishment fee (now 10% of the loan amount) and monthly fee (now 2% of the loan amount)
A loan up to $2,000 with terms up to 62 days to 9 months. Centrelink cannot be your primary source of income.
9-12 weeks
30 minutes - conditions apply
20% of loan amount + 4% of loan amount each month
A small loan up to $2,000 that you repay over 9-12 weeks. Loans approved and funded in as little as 30 minutes. Centrelink must not be your primary income
Up to 2 years
3 hours - conditions apply
Apply for up to $2,000 and be able to access your approved loan as a convenient line of credit.
22 - 52 weeks
Same day - conditions apply
Up to $2,000 - 20% establishment fee + 4% monthly.

Above $2,000 - $400 + from 8.7% to 48% APR
Borrow from $1,000 to $5,000 with same-day funding and no early repayment fees.
6-12 months
Same day - conditions apply
20% of loan amount establishment fee + 4% of loan amount monthly.
Credit24 offers this loan up to $2,000 and gives you 12 months to repay.
3-12 months
1 business day
Establishment fee from 10% of loan amount + monthly fee from 2%
A small loan between $500 and $2,000 that can be funded in 24 hours.
3 to 12 months
1 business day
10% of loan amount + 2% of loan amount each month
A small loan up to $2,000 from a lender backed by NAB. Transparent eligibility criteria and competitive costs.

Compare up to 4 providers

⚠️ Warning about Borrowing

payday-warningDo you really need a loan today?*

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 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: Phone: 13 17 94

The 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.

Financial hardship

If you're experiencing financial hardship and would like to speak to someone for free financial counselling, you can call the Financial Counsellors hotline on 1800 007 007. It is open from 9:30am to 4pm, Monday to Friday. When comparing short term loans, ensure you take into consideration any fees, charges and rates you may be charged. It's important to weigh up all your options before applying for any form of credit.

The features Good to Go offer with its Cash Loan

Good to Go Cash Loans come with various features, which include the following:
  • Low minimum amount. If you don’t need too much money, you can borrow as little as $500 through a Good to Go Cash Loan. The maximum you can borrow is $5,000.
  • Flexible loan terms. While the amount you borrow has a bearing on the loan term, these loans, in general, come with minimum and maximum loans terms of 4 weeks and 52 weeks, respectively.
  • Flexible repayments. You can line up your repayments in accordance to your pay schedule, given that this loan accepts weekly, fortnightly, and monthly repayments.
  • Additional repayments. You can make additional repayments towards your loan at any time, and you can make these payments via direct debit, money order, cheque, EFTPOS, and even cash. If you pay the loan off ahead of time, you don’t have to pay any early payout fees.
  • All applications considered. Good to Go considers all applications for its Cash Loans, so as long as you have the ability to repay you can apply, even if you receive Centrelink income, if you’re self-employed, and if you have bad credit history.

The fees and charges you should consider

You don’t have to pay any fees to apply, and this loan does not attract any early payout fees. Upon approval, you get a complete list of all other associated fees and charges, and you get adequate time to review them, too. Going through this list of fees and charges is always a good idea, given that this gives you an indication of the fees you can avoid and the fees you have to pay.

In case you find the fees and charges too high for your liking, don’t accept the contract, and you’re not liable to pay anything up to this point.

How to apply for a Cash Loan from Good to Go

Applying for a Good to Go Cash Loan requires that you visit the Good to Go website and submit an online application. Applicants have to meet the following eligibility criteria.

  • You should be a permanent resident of Australia
  • You should be over 18 years of age
  • You should have a regular source of income

Completing the application successfully requires that you provide a host of information, which comprises the following.

  • Personal details like your complete name and date of birth
  • Contact details like your residential address, email address, and phone number
  • Your employment status and other employment-related information
  • Details surrounding your income and debts
Good to Go Cash Loans offer repayment flexibility, while allowing you to choose between different loan terms, but bear in mind that you can find similar features in other loans, so compare a few before applying.

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