Fair Go Finance Personal Loan

Find out what's required for a loan from Fair Go Finance – with options available for borrowers with good or bad credit.


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Fair Go Finance

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As well as its smaller loans, Fair Go Finance also offers larger personal loans for applicants with good or bad credit history. Depending on the type of loan that's chosen, a successful applicant could borrow between $500 and $10,000. Use this guide to compare the different personal loans available through Fair Go Finance and what's required to apply.

Are you struggling financially?

If you're struggling financially and would like to speak to someone for free financial advice, information and assistance you can call the Financial Counsellors hotline on 1800 007 007 (open from 9:30am to 4pm, Monday to Friday). If you are suffering financial problems related to the coronavirus pandemic you may be eligible for additional support. Find out more here: https://www.finder.com.au/coronavirus-financial-help

⚠️ 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.

Types of personal loans available through Fair Go Finance

  • Small Loan. This is a small, short-term loan that offers between $500 and $2,000. The loan terms are for between 3-12 months.
  • Personal Loan. Fair Go Finance also offers larger personal loans of up to $10,000. Loans under $5,000 have a maximum term of 18 months and loans between $5,001 and $10,000 have a maximum term of 3 years.

Features of loans from Fair Go Finance

  • Bad credit applicants considered. People with negative credit listings can apply, as long as they have not declared bankruptcy in the last 12 months.
  • Various loan amounts available. Borrow between $500 and $10,000.
  • Variety of loan terms. Fair Go Finance offers Small Loan terms between 3-12 months and Personal Loan terms of up to 3 years.
  • No fees for early repayment. Repay your loan early without being charged a penalty.

The loan costs you should consider

Loan costs differ depending on the loan you apply for:

  • Small loan. When you apply for a loan between $500 and $2,000, an establishment fee of 20% applies as well as a monthly fee of 4% will apply.
  • Personal Loan. Loans between $5,000 and $10,000 come with an interest rate of 17.9% p.a. and 29.9% p.a.

How to apply for a Fair Go Finance loan

Fair Go Finance loans can be applied for online. Before applying, make sure you meet the following eligibility requirements:

  • You are over 18
  • You reside in Australia as a citizen, permanent resident, on a working visa or on a sponsorship visa
  • Your weekly income is more than $500
  • You are employed on a casual, part-time or full-time basis and are not on probation

You’ll need the following information on hand to complete the application:

  • Identification documents. Details of your Medicare card or your driver's licence.
  • Document with your address. A utility bill or rent receipt confirming your address.
  • Internet banking details. This will give Fair Go Finance read-only access to the last three months of your banking history.
  • Financial and employment details. Information regarding your income, assets, debts and your employment situation, including your payslips.

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Ask an Expert

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50 Responses

    Default Gravatar
    ScottJune 15, 2019

    I have filled out my application and it was checking credit report but lost page don’t know if it was finished

      Default Gravatar
      NikkiJune 15, 2019

      Hi Scott,

      Thanks for your inquiry.

      Sorry to hear you lost the page for your Fair Go Finance application. You can try to check the history tab on your browser or you can log back into your account to see what else needs to be completed.

      Hope this helps!


    Default Gravatar
    KurtMarch 27, 2019


    I am currently in a Part IX agreement and have been for 1 year. I want to borrow to buy a Toyota coaster bus to live in. Would you be able to help? I am employed casual, working 38.5 hrs a week and have been in the job for 5 years.

      Avatarfinder Customer Care
      JeniMarch 30, 2019Staff

      Hi Kurt,

      Thank you for getting in touch with Finder.

      On this page you’re looking at, there are questions asked that would let you know if Fair Go Finance is able to service your loan or not. You may use this page as guide on getting a car loan with bad credit. Please make sure that you’ve read the relevant T&Cs or PDS of the loan products before making a decision and consider whether the product is right for you.

      I hope this helps.

      Thank you and have a wonderful day!


    Default Gravatar
    PaulApril 19, 2018

    Hello my name is Paul Cox a have stayed in Australia 2 months been working 3 weeks just started a full time job last week were a will be earning over 1500 a week but my rent is due this Monday an don’t get paid to Thursday is there any company who would offer a short term loan am on the working holiday visa

      Avatarfinder Customer Care
      JoshuaApril 19, 2018Staff

      Hi Paul,

      Thanks for getting in touch with finder.

      I understand that you are looking for a short-term loan. Unfortunately, the options for you can be very limited since you are on a working holidate visa.

      However, you might still want to check our page on Personal Loans For Temporary Residents.

      Alternatively, you might want to negotiate with your landlord to give you some leeway since your payment will only be delayed for three days.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


    Default Gravatar
    ObelixAugust 6, 2017

    I require a personal loan of $6000, however, my last credit applications were rejected due to a bad credit check that was applied by Dunn & Bradstreet for, apparently, a unpaid power company bill.
    I am an aged pensioner but still working .

      Avatarfinder Customer Care
      RenchAugust 6, 2017Staff

      Hi Obelix,

      Thanks for reaching out to us.

      You may check this page for personal loans that you can compare and you can also get helpful tips on this page about how to improve your credit score.

      Please click the name of your preferred lender to find out the details and the minimum eligibility. You may then click the green “Go to Site” button to submit your loan application online.


    Default Gravatar
    StaceyJuly 10, 2017

    I have two actually. We need a loan of 5000. How soon will I get it and how much are our payments of a loan that size?

      Avatarfinder Customer Care
      RenchJuly 10, 2017Staff

      Hi Stacey,

      Thanks for reaching out to us. Please note that we are not affiliated with Fair Go Finance or any company we feature on our site and so we can only offer you general advice.

      One of the features from Fair Go Finance, when you apply for a second loan you receive an “Express Service” application, and any loan application beyond that gives you a reduced application fee and interest rate for your loan. You’re also able to apply for larger loans.

      You can make use of the personal loan calculator on this page to know how much the repayments will be.

      Please contact Fair Go Finance directly to inquire about their loans.

      Hope this information helped.


    Default Gravatar
    WayneJune 30, 2017

    Can you let me know a company might help me borrow some money for a small loan after being bankrupt..Thankyou

      Avatarfinder Customer Care
      JhezJuly 1, 2017Staff

      Hi Wayne,

      Thanks for your comment.

      There are some lenders who’ll approved you for a loan considering your current financial situation. Please visit this page to compare your options. Please make sure to check first the eligibility criteria before applying.


    Default Gravatar
    MicahMarch 24, 2017

    Hi I’m on BVA.Can lenders loan me $5000 for buying a used car? Please help

      Avatarfinder Customer Care
      DeeMarch 24, 2017Staff

      Hi Micah,

      Thanks for your question.

      If you are on BVA, you can compare your loan options here.

      Please be sure to read the eligibility criteria and the terms and conditions of the loan product you are interested in before clicking the ‘go to site’ button to submit your application.


    Default Gravatar
    PaulMarch 20, 2017

    Hi I need a small loan 50 to 100 dollars today

      Avatarfinder Customer Care
      MayMarch 20, 2017Staff

      Hi Paul,

      Thank you for your inquiry.

      A small personal loan is actually between $100 and $2,000. You may contact a lender directly featured on this page to discuss your small loan option and eligibility.

      Hope this helps.


    Default Gravatar
    danielMarch 6, 2017

    if i pay this loan off in april can i borrow 7000 dollars

      Avatarfinder Customer Care
      DeeMarch 7, 2017Staff

      Hi Daniel,

      Thanks for your question.

      With Fair Go Finance Personal Loans, you can only borrow up to $5,000. If you are looking to borrow $7,000, you may compare your options here.

      Please make sure that you’ve read the relevant T&Cs or PDS of the loan product you are interested in before clicking the ‘go to site’ button to apply.


    Default Gravatar
    grahamJanuary 16, 2017

    I am on carer payment/allowance I work at least 100 hours/per mth I can only prove this by invoice payment I give to my boss who will confirm such payment by contacting him yourselves

    Can I apply jointly with my wife

      Avatarfinder Customer Care
      MayJanuary 16, 2017Staff

      Hi Graham,

      Thank you for your inquiry.

      Fair Go Finance actually accepts applicants who are receiving Centrelink payments, but you also have a supplementary income. If you wish to discuss your loan options, please contact them directly (together with your wife). Other lenders that could possibly offer you a loan given your circumstance are listed on this page. Best to review the criteria before you apply.


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