Fair Go Finance Personal Loan

Find out if you're eligible for a loan from Fair Go Finance – good and bad credit borrowers considered.

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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 couple of loan options for you to choose from. Find out about its eligibility criteria to see if you may be able to apply.

Can Fair Go Finance Service your loan?

Answer three quick questions and we'll let you know.

Question 1 of 3

Have you declared bankruptcy in the past 12 months?

Question 2 of 3

Are you currently employed?

Question 3 of 3

Have you more than 5 dishonours in the last 3 months?

Fair Go Finance should be able to service your loan

Updated August 26th, 2019
Name Product Maximum Loan Amount Term of Loan Turnaround time Costs Fortnightly Repayment (for $1500 Loan)
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.
3-36 months
Within 24 hours
from 17.9% p.a. + establishment fee of between $460 - $695 + $5 monthly fee
A larger loan up to $10,000 you can apply for even with bad credit. Fast turnaround within 1 business day. Note: You must earn more than $500 per week.
Up to 3 years
Within 24 hours
from 17.90% p.a. + establishment fee of between $460 - $695 + $5 monthly fee
Apply for a loan up to $10,000 and have up to 3 years to repay. Bad credit and casually employed borrowers considered. Note: You must earn more than $500 per week.

Compare up to 4 providers

Unfortunately Fair Go Finance won't be able to service your loan

Sunshine Short Term Offer

Sunshine Short Term Offer

  • Bad credit applicants considered
  • Fast approval service
  • Borrow up to $2,000
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100% confidential application

Sunshine Short Term Offer

A short term loan with a fast and easy application available to those with good or bad credit. You can apply today and get approved for up to $2,000.

  • Loan amount: $2,000
  • Loan term: 9-12 weeks
  • Turnaround time: 30 minutes (conditions apply)
  • Fees: 20% of borrowed amount + 4% of borrowed amount each month
  • Income requirement: 50%+ of income cannot be from Centrelink
  • Bad credit borrowers OK
  • Quick and easy Approval
  • No Credit Checks
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Unfortunately Fair Go Finance won't be able to service your loan

Ferratum Cash Loans

Ferratum Cash Loans

  • No credit checks
  • Borrow up to $1,900
  • Bad credit borrowers OK
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100% confidential application

Ferratum Cash Loans

Ferratum offers no credit check payday loans with a fast and easy online application. Apply today to get approved.

  • Loan amount: $1,900
  • Loan term: up to 6 months
  • Turnaround time: Same day - conditions apply
  • Fees: 20% of borrowed amount + 4% of borrowed amount each month
  • Must be 18+
  • Must not be receiving benefits
  • Confidential and secure!
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Compare more short term loans

Fair Go Finance caters to both good and bad credit borrowers and has the following loan options:

  • Small Loan. This is a small, short-term loan where you can apply for between $500 and $2,000. The loan terms are for between 3-12 months.
  • Personal Loan. Fair Go Finance also offers larger personal loans where you can apply to borrow up to $10,000. Loans under $5,000 have a maximum term of term of 1 year and loans between $5,000 and $10,000 have a maximum term of 3 years.

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. Keep in mind you cannot have declared bankruptcy in the last 12 months.
  • Various loan amounts available. You can borrow between $500 and $10,000.
  • Generous loan terms. Most payday lenders only offer terms of 2 to 3 months, but Fair Go Finance’s terms can extend up to 3 years depending on how much you borrow.
  • 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 $2,000 and $10,000 come with an interest rate of 14.3% p.a. and 29.9% p.a.

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:

  • 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 your 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

  1. 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

    • Avatarfinder Customer Care
      NikkiJune 15, 2019Staff

      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!


  2. 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!


  3. 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!


  4. 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.


  5. 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.


  6. 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.


  7. 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.


  8. 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.


  9. 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.


  10. 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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