Fair Go Finance Personal Loans

Information verified correct on December 10th, 2016

Trying to find a lender that’s willing to consider you? Check out 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 comes in. It has loans available for applicants with both good and bad credit history and there are a wide range of loan options for you to choose from.

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Rates last updated December 10th, 2016
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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 1 and 12 months to repay it.
  • Large Personal Loans. Fair Go Finance can also act as a broker to help you borrow between $4,000 and $100,000 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 $2,250 and $5,000. 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 accepted. 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  and $5,000 with Fair Go Finance, and it can act as a broker if you’re looking to borrow up to $100,000.
  • 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

Click ‘Go to Site’ if you’re interested in submitting an application. 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.

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30 Responses to Fair Go Finance Personal Loans

  1. 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.

      Cheers,
      Anndy

  2. 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.

      Cheers,
      Harold

  3. 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.

      Cheers,
      May

  4. 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.

      Cheers,
      Anndy

  5. 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,

      Elizabeth

  6. 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,

      Elizabeth

  7. Default Gravatar
    | July 14, 2016

    Hi.
    I am looking to borrow $10,000 for buying a home cash and the rest will go to moving expenses. I only will owe $7,500 .after settlement goes through on our house we have sold we are only 7,500 off the home we bought. I am male on a disability pension my wife has just left her job but will but will b working for newstart with a view off getting another job.She also receives a carers allowance for our daughter who has epilepsy.I am 64 my wife is 61 we are only just a few thousand dollars off paying cash for house.Will you be able to help us I would be looking to pay back the loan over 4 years.

    • Staff
      May | July 14, 2016

      Hi Anthony,

      Thank you for your inquiry.

      Please note that finder.com.au is a financial comparison website and general information service and we don’t offer loans ourselves.

      We understand your needs and financial situation, so on this page, you can find some lenders that will offer loans to people who are receiving government pension/ allowance. Whilst we’re not sure if you’ll be approved for a loan or not, please review the criteria and contact a lender featured on the page so you can discuss your loan options and situation.

      I hope this is helpful.

      Cheers,
      May

  8. Default Gravatar
    | June 25, 2016

    Hi I would like to purchase a boat for my son and me. I have a car that i can put up as collateral and I’m currently in bankruptcy but it has been over a year know can i get a loan for 5000 to purchase a boat from a private seller ?

    • Staff
      Elizabeth | June 27, 2016

      Hi Slade,

      Fair Go Finance considers bankrupt applicants for personal loans as long as you’re at least 12 months int your bankruptcy, and as you’re able to provide security this will help your application. If you’d like to apply you can head over to the Fair Go Finance website to submit your application.

      I hope this helps,

      Elizabeth

    • Default Gravatar
      | June 27, 2016

      What would be the weekly repayments on $5000

    • Staff
      Elizabeth | June 27, 2016

      Hi Slade,

      The loan establishment fee and interest rate will vary depending on the loan amount you may be approved for. You’ll need to discuss this with the Fair Go Finance loan consultants before you’re approved for the loan, and you can also discuss ongoing repayment amounts.

      Hope this helps,

      Elizabeth

  9. Default Gravatar
    Timothy | June 21, 2016

    Hi
    I am having trouble with my old car.
    Magna 1999 model, it is clapped out.
    I am in desperate need of another car.
    I have been on the pension for years and cannot get ahead as it is not much to live on and pay rent power etc.
    I ran up a credit card in 2000 because of the situation I was in.
    I went bankrupt and was ashamed but I had no option.
    I get regular payments from centrelink and I will be able to give you details of my bank account so you may deduct regularly from this.
    I would appreciate some help with this matter.
    Thanking you so much.
    Cheers Timothy

    • Staff
      Elizabeth | June 22, 2016

      Hi Timothy,

      Unfortunately you need to receive supplementary income along with your Centrelink income to be eligible for a Fair Go Finance loan. However, you can compare some of your other options on this page.

      I hope this helps,

      Elizabeth

  10. Default Gravatar
    lindsay | June 5, 2016

    i am looking for a $7000 loan and I am finding it hard to get anywhere. I work full time and have a yearly income of $102000 per year including all entitlements.

    • Staff
      Elizabeth | June 6, 2016

      Hi Lindsay,

      As long as you meet the minimum eligibility criteria listed above you can apply for a loan through Fair Go Finance. If you’re unsure if you meet any of the above criteria you might want to get in contact with Fair Go Finance directly.

      Hope this has helped,

      Elizabeth

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