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Fair Go Finance Medium Personal Loan

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Fair Go Finance Medium Personal Loan
Maximum loan amount
Turnaround time
Within 24 hours
Term of loan
6 to 15 months
Do you really need a loan today? If you would like to speak to someone about your finances you can call the free National Debt Helpline on 1800 007 007.


Easy applications and instant funding on approval. High fees and charges apply.

Fair Go Finance offers a medium amount loan from $2,050 to $5,000, with terms up to 15 months. The interest rate is personalised, allowing borrowers with a range of credit histories to apply. Costs include monthly fees, establishment fees and interest charges. The interest rate is high, making this loan expensive. You should only apply in the case of a financial emergency


  • Fixed repayments
  • No penalty for early repayments
  • Easy repeat borrowing


  • High loan costs
  • High fees for borrowing money

In this guide

  • Review
  • Details
    • Product details
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Product details

Product Name Fair Go Finance Medium Personal Loan
Minimum loan amount $2,050
Maximum loan amount $5,000
Initial Maximium Loan Amount $2,050
Arrears Fee $35
Loan term 6 to 15 months
Turnaround time Within 24 hours
Costs Establishment fee of $400
Requirements 18 years old, a permanent Australian resident and in regular paid employment
Available to Centrelink Borrowers? No

⚠️ 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.

How does the Fair Go Finance Medium Amount Loan work?

Fair Go Finance offers a medium amount loan from $2,050 to $5,000, with an average loan term of 6 to 15 months. It offers risk based pricing, where your credit profile determines how much you pay in interest. You can get a rate on the lower end of the spectrum if you have a good credit profile, or higher if you have bad credit. The interest rate ranges from 29.9% to 47.00%.

What features does the Fair Go Finance Medium Amount Loan offer?

  • Risk based pricing. With risk based pricing, your credit score plays a role in how much interest you pay. With good credit, you can get lower interest and vice versa.
  • Medium loan amounts. You can borrow from $2,050 to $5,000 for a variety of personal expenses.
  • Terms up to 15 months. Loan terms range from 6 to 15 months
  • Fixed repayments. Your repayments are fixed for the duration of the loan term.
  • Fast turnaround and application. The application is short and easy to complete. Once your application is approved, you can receive funding in a matter of minutes.
  • Free early repayments. You can repay your loan early without penalty.

How much does the Fair Go Finance Medium Amount Loan cost?

The costs associated with this loan include:

  • Loan principal
  • Interest charges ranging from 29.9% to 47.00%, based on your credit score
  • A monthly fee of $0 to $18
  • Establishment fee of $400

The comparison rate, which includes interest charges and fees, ranges from 41.64% to 50.28%.

What are the pros and cons of the Fair Go Finance Medium Amount Loan?


  • Easy application and quick turnaround. The application is fast and easy and if it's approved, you can receive the funds within minutes.
  • Personalised rates. These loans are open to applicants with a range of credit histories. You can get a loan even if your credit history is patchy, although you'll pay more in interest.


  • High cost loan. The interest rate for this loan is high, starting from 29.9% p.a. Combined with the fees, it makes for a costly loan.

Am I eligible for this loan?

To be eligible to apply for this loan, you need to be over 18, a permanent Australian resident and have regular paid employment.

How do I apply?

You can apply for the loan online, through the Fair Go Finance website. You will need to provide your driver's licence number or Medicare card number, and bank statements for the last 90 days. Keeping your documents on hand can speed up the process.

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March 28, 2018

Waiting to hear regarding my loan application?


Jhezelyn Finder

March 28, 2018

Hi Katherine,

Thank you for your comment.

Just a friendly note that you have reached finder. If you are referring to your loan application status at Fair Go Finance, you can directly contact them for an update by phone or through their website’s contact us page.



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