Fair Go Finance Personal Loans

Looking for a lender that gives a "fair go"? Find out if you're eligible with Fair Go Finance.

If you’re applying for a loan and you have bad credit, it can be difficult to find a lender who will consider you. This is where Fair Go Finance might come in. It has loans available for applicants with both good and bad credit history and there is a wide range of loan options for you to choose from. Find out about its eligibility criteria to see if you may be able to apply.

Fair Go Finance caters to both good and bad credit borrowers. You have the choice of:

  • Cash Loans Online. This is a short-term financing solution that can be applied for online. Borrow between $500 and $5,000 with between 0.25 and 2 months to repay it.
  • Large Personal Loans. Fair Go Finance can also act as a broker to help you borrow between $5,000 and $50,000 from a third-party lender.
  • Secured Loans. If you’re looking to purchase a car, motorbike or similar item, or you already have an asset to use as security, you can apply for between $500 and $50,000. The rate on this loan is fixed and the terms can be from 1-12 months

Features of loans from Fair Go Finance

Before you start your application, review the features on offer from Fair Go Finance:

  • Bad credit applicants considered. You’re able to apply for any of Fair Go Finance’s products even if you have negative credit marks on your file.
  • Repeat borrower benefits. 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.
  • Various loan amounts available. You can borrow between $500 and $5,000 with Fair Go Finance, and it can act as a broker if you’re looking to borrow up to $50,000.
  • Generous loan terms. Most payday lenders only offer terms of 2 to 3 months, but Fair Go Finance’s terms can extend up to one year.
  • No fees for early repayment. Repay your loan early and save on interest without being charged a penalty.

The loan costs you should consider

The fees and interest charges vary depending on how much you borrow and the type of loan you take out. Interest rates range from 0% to 29.9% for loans up to $5,000. Monthly fees can range from $5 to $80 per month.

How you can apply with Fair Go Finance

If you’re interested in submitting an application, you can apply online First, make sure you can answer ‘yes’ to each of the below:

  • Your weekly income is more than $500
  • If self-employed, you have been in business for more than a year
  • If self-employed, you can provide a recent Notice of Assessment
  • If you are on Centrelink, you receive supplementary income
  • If you are a contractor or employed casually, you have been employed for more than six months

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

  • Identification documents. Your ID, passport, Medicare card, ATM card, a utility bill or a rent receipt confirming your address.
  • Assessment documents. Two months of bank statements showing your name and address and a recent payslip.
  • Internet banking details. This will give Fair Go Finance ‘read only’ access to your banking history.
  • Security documents. If you’re buying a car/motorbike or using a vehicle as security, you will need the vehicle’s registration documents.

Have more questions about Fair Go Finance?

How do I accept my loan contract digitally?

You sign the contract digitally by using an SMS code.

Can I be approved for a loan if I’m unemployed?

Unfortunately, Fair Go Finance is unable to offer you a loan if you aren’t employed.

Do I have to provide my Internet banking details?

No, but this does speed up the process. You also have the option of providing Fair Go Finance with a PDF or paper copies of your bank statements rather than through Bank Vision.

How does this compare to other brands?

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

Rates last updated June 26th, 2017
Name Product Max. Loan Amount Term of Loan Turnaround Time Costs Product Description
Sunshine Short Term Loans
9 weeks
30 Minutes - conditions apply
20% of loan amount + 4% of loan amount each month
Apply online with Sunshine Loans and you could borrow up to $2,000 paid directly into your account. Family Business since 1999.
Nimble Short Term Loan
62 days to 1 year
1 hour - conditions apply*
20% of loan amount + 4% of loan amount each month
Apply for a short term loan and you could borrow up to $2,000
Ferratum Cash Loans
Up to 6 mths
Same Day if approved
20% of borrowed amount + 4% of borrowed amount each month
A small loan from Ferratum lets you borrow up to $1,900 without a credit check
Cash Train Loans
10 weeks or 3 months
1 Business Day
20% of principal amount (establishment fee) + 4% monthly charge
Apply for a Cash Train loan and get up to $2,000 sent straight to your bank account. Fast online application

Compare up to 4 providers

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38 Responses to Fair Go Finance Personal Loans

  1. Default Gravatar
    Micah | March 24, 2017

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

    • Staff
      Anndy | March 24, 2017

      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.


  2. Default Gravatar
    Paul | March 20, 2017

    Hi I need a small loan 50 to 100 dollars today

    • Staff
      May | March 20, 2017

      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.


  3. Default Gravatar
    daniel | March 6, 2017

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

    • Staff
      Anndy | March 7, 2017

      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.


  4. Default Gravatar
    graham | January 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

    • Staff
      May | January 16, 2017

      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.


  5. Default Gravatar
    Fiona | December 4, 2016

    I am wanting to apply for $10000 to consolidate some smaller loan amounts I have. I have income of 730000 a year, I’m fulltime employed & have a very good credit rating. My question is do I also require savings to be accepted for such a loan?

    • Staff
      Anndy | December 4, 2016

      Hi Fiona,

      Thanks for your question.

      If you are looking to consolidate loans, you can compare your options here.

      Most lenders do not require a savings account but you’ll have a higher chance of approval if you can show proof that you have personal assets such as property, vehicles and savings accounts.


  6. Default Gravatar
    Sheila | November 29, 2016

    Can you get a loan of $20,000.00 if you are still in the middle of bankruptcy? If so, I need it ASAP to help my brother out overseas. Thank you for your help.

    • Staff
      Harold | November 29, 2016

      Hello Sheila,

      Thank you for your inquiry.

      There are providers that offer loans for those who are experiencing bankruptcy. You may consider this options.

      I hope this information has helped.


  7. Default Gravatar
    Personal | November 28, 2016

    I am trying to apply for a personal loan to apply for a partner visa. I am currently on a 417 visa and don’t know if this visa allows me to apply for a loan.

    • Staff
      May | November 29, 2016

      Hi Personal,

      Thanks for your question.

      Each lender has their own set of criteria when it comes to accepting applicants on a visa. Generally, your visa will be one of their considerations in reviewing your application. Typically, 457 visa is acceptable to banks/lenders, other types of visas may not be. So it’s best to confirm with the bank/lender first your chances of approval.

      On this page, you’ll be able to find the list of lenders that offer personal loans to borrowers who are on a visa. Please review the criteria before you apply.

      Hope this helps.


  8. Default Gravatar
    | September 6, 2016

    I need a loan to pay off a few small cash loans

    • Staff
      Anndy | September 6, 2016

      Hi Francis,

      Thanks for your comment.

      If you are looking to apply for a personal loan, you can compare your options on this page.

      You can take advantage of the personal loan calculator to see which loan product can give you low monthly repayment.

      Please do check the eligibility criteria for each loan before submitting your application.


  9. Default Gravatar
    Jason | August 8, 2016

    Hey I’m trying to get a loan of about $5000 for travel expenses for a mates wedding in Bali, I’m a labourer I earn about $800 a week, I don’t think I have the best credit rating either, is there anywhere you know of that will set me up with a loan, I’ve tried some but apparently I don’t fit the criteria. I really need this.. Thanks

    • Staff
      Elizabeth | August 11, 2016

      Hi Jason,

      I can’t recommend a specific lender to you but you can find a list of lenders offering loans up to $5,000 here. You can click through to the review pages to find out specific eligibility criteria, but if you are unsure of any of the criteria you can get in touch with the lenders directly.

      I hope this helps,


  10. Default Gravatar
    | July 15, 2016

    I have been on a disability pension since 1991,my income is $1004 per fortnight $26114 annually I have a Veda credit score of 994 and a Experian of 805,my rent is $320 p/f public housing I do not have any credit cards or accounts of any description, total for everything else totals $200 max p/f which leaves me approx $500 plus per f/n my Veda file has only one inquiry on it,I have lived in the same property for 4 yrs,

    my Question is why cant I get a car or personal loan for $5000,or do you know of any lenders that accept centerlink only persons,thank you

    • Staff
      Elizabeth | July 20, 2016

      Hi Nige,

      I can’t recommend a specific lender for you but if you don’t have current employment you can compare your options on this page.

      I hope this helps,


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