Fair Go Finance
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Fair Go Finance Personal Loan

For loans from $2,000, $5,000 or $10,000 with no fees for early repayments. High fees and charges apply.

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Fair Go offers small loans up to $2,000, medium loans up to $5,000 and personal loans up to $10,000. Loans are offered to both good and bad credit applicants. If you have a negative credit listing, you can apply as long as you haven't declared bankruptcy in the last 12 months. Loan terms for small loans range from 1 to 12 months, up to 24 months for medium loans and up to 36 months for personal loans. These loans are expensive and come with high fees and charges.

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Name Product Maximum loan amount Term of Loan Turnaround time Arrears Fee Costs Fortnightly Repayment (for $1500 Loan)
Fair Go Finance Small Loan
3 to 12 months
24 to 48 hours
Establishment Fee of $60 – $400
A small loan between $500 and $2,000 that can be funded in 24 hours.
Fair Go Finance Medium Personal Loan
7 to 19 months
Within 24 hours
Establishment fee of $437 to $771
A larger loan up to $5,000 you can apply for even with bad credit. Fast turnaround within 1 business day. Note: You must earn more than $500 per week.
Fair Go Finance Large Personal Loan
14 – 24 months
Within 24 hours
Establishment fee of $546 – $795
Apply for a loan up to $10,000 and have up to 2 years to repay. Bad credit and casually employed borrowers considered. Note: You must earn more than $500 per week.

⚠️ 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 from Fair Go Finance

  • Small Loans. This is a small, short-term loan between $300 and $2,000. The loan terms range from 1 to 12 months.
  • Medium Loans. Borrow from $2,050 to $5,000 with terms from 6 to 24 months.
  • Personal Loan. From $5,050 to $10,000 with terms from 9 to 36 months.

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 $300 and $10,000.
  • Variety of loan terms. Fair Go Finance offers Small Loan terms between 1 to 12 months, Medium Loans from 6 to 24 months and Personal Loans from 9 to 36 months.
  • No fees for early repayment. Repay your loan early without being charged a penalty.

How much do loans from Fair Go Finance cost?

Loan costs will differ based on the loan you apply for:

  • Small loan. An establishment fee of 20% and a monthly fee of 4% of the loan amount.
  • Medium loan. Establishment fee ranging from $375 to $771, monthly fee from $8 to $9 and an interest rate ranging from 9.90% – 29.90%.
  • Personal loan. An establishment fee from $536 to $795, monthly fee from $10 to $11 and an interest rate ranging from 15.92% – 25.90%.

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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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.

      JeniMarch 30, 2019Finder

      Hi Kurt,

      Thank you for getting in touch with Finder.

      On this page, there are questions asked that would let you know if Fair Go Finance is able to service your loan or not.

      You may use our comparison table on getting a car loan with bad credit. Once you have chosen a particular lender, you may then click on the “Go to site” button and you will be redirected to the lender’s website where you can proceed with your loan application or get in touch with their representatives for further assistance. 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

      JoshuaApril 19, 2018Finder

      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 holiday visa.

      However, you might still want to check our page on personal loans for temporary residents. Please use our comparison table to help you find a lender that suits you. Once you have chosen a particular lender, you may then click on the “Go to site” button and you will be redirected to the lender’s website where you can proceed with your loan application or get in touch with their representatives for further assistance. Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

      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 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 .

      RenchAugust 6, 2017Finder

      Hi Obelix,

      Thanks for reaching out to us.

      You may check our list of pensioner loans to explore lenders who may be able to help you.

      Please read more about how to improve your credit score as well to increase your chance of getting approved for future credit applications.

      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?

      RenchJuly 10, 2017Finder

      Hi Stacey,

      Thanks for reaching out. I believe you’re referring to Fair Go Finance Personal Loan. If this is the case, let me go ahead and answer your question.

      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 to know how much the repayments will be.

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

      Hope this information helped.


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