Good to Go Loans

Information verified correct on April 27th, 2017

Get a quick cash loan, personal loan, car loan, or business loan through Good to Go.

Good to Go is an Australian loan provider based in Windsor, NSW. They provide online loans to Australians around the country using a simple application process. You can apply for a loan if you suffer from poor credit, if you’re self-employed, or even if you receive income from Centrelink.

This online loan provider offers quick cash loans, personal loans, car loans, and business loans, so there’s a good chance you’ll find an offering that suit your needs. These loans offer repayment flexibility, and you'll get a clear understanding of all associated fees and charges at the very onset.

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

Name Product Max. Loan Amount Term of Loan Turnaround Time Costs Product Description
Sunshine Short Term Loans
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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

Types of loans from Good to Go

Given the variety of loans that Good to Go provides, you can look for one in accordance to your specific needs, and here’s what you can expect:

  • Cash Loans. Through a Good to Go Cash Loan you can borrow $500 to $5,000, and loan terms vary between 4 week(s) and 2 year(s). You can apply for this loan if you’re on Centrelink income and if you have bad credit.
  • Car Loans. The minimum you can borrow with a Car Loan is $3,000 and the maximum is $30,000. You can use proceeds from this loan to buy a new car, or even to repair your existing car. You can apply if you have bad credit. Loan term can vary from 1 year(s) to 7 year(s) years.
  • Personal Loans. You can borrow in between $3,000 and $30,000 through a Personal Loan, and loan terms vary between 4 weeks(s) and 4 year(s). You can apply for this loan if you have bad credit.
  • Business Loans. There is no restriction to how much you can borrow through a Business Loan, and loan term varies between 14 days and five years. Good to Go offers different business loan types, which include payroll cash advances, small business cash advances, car and truck leasing, retail stock loans, and loans for shop fit outs and extensions.

Why should you consider taking out a Good to Go loan?

  • Flexible loan amount. No matter how much money you’re looking at borrowing, there’s a good chance Good to Go has a solution for you. While you can borrow as little as $500 through a Cash Loan, you can borrow up to $30,000 through a Personal Loan or a Car Loan, and there is no maximum limit for Business Loans.
  • Flexible loan terms. You can choose a loan term according to how much money you borrow and your budget. Cash Loans and Personal Loans come with minimum loan terms of four weeks, and while the maximum loan term for Cash Loans is two years, you can have up to five years to repay a Personal Loan.
  • Repayment flexibility. Good to Go gives you the ability to schedule your repayments in line with your pay schedule, allowing you to make weekly, fortnightly and monthly repayments.
  • Additional repayments. When you take a Good to Go loan you can make extra repayments at any time, and you don’t have to pay any penalties if you opt to pay the entire loan off ahead of time.

How much will it cost you to borrow from Good to Go

You don’t have to pay any fees to apply for these loans, and you are under no obligation whatsoever until you accept the loan contract. Paying the loan amount before the term ends does not attract any penalties.

Good to Go discloses all fees and charges linked to its loans as part of its pre-contractual disclosure requirements, which you'll have adequate time to go through. Reviewing these is a good idea, given that you can avoid some of these fees but have to pay certain others.

Are Good to Go loans safe?

Good to Go is an Australian Credit License holder that is in compliance with the National Consumer Credit Protection act. They are a member of the Financial Ombudsman Service as well as the National Financial Services Federation. If you’re worried about the fees and charges associated with these loans, you get to review them as part of the contract, which is not valid until acceptance from your end.

How to apply for a loan from Good to Go

Applying for a Good to Go loan is fairly straightforward, and you have to visit the Good to Go website to begin. Make sure you meet the following eligibility criteria before starting your application:

  • You’re a permanent Australian resident
  • You’re over 18 years old
  • You have a regular source of income

To complete the online loan application you have to provide different kinds of information, which comprises the following.

  • Personal and contact details. These include your name, date of birth, marital status, residential address, phone number, and email address
  • Employment details. These include your employment status and employer’s contact details
  • Financial details. This section requires details surrounding your income and debts

While Good to Go provides probable borrowers with multiple options, you can come by other loan providers who offer such loans, so take some time to compare a few.

Frequently asked questions

How long does the application take to complete?

If you have all the required information close at hand, the process should take around 10 to 15 minutes.

How much money can I borrow?

This depends on the loan you wish to apply for.

How can I make repayments?

Regular repayments come via direct debits, and you can make additional repayments through direct debits, money orders, cheques, and cash.

Which loan can I apply for if I’m on Centrelink income?

Individuals who receive Centrelink income can apply for Good to Go’s Cash Loan product.

Can I hold or change repayments?

Yes, you can.

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46 Responses to Good to Go Loans

  1. Default Gravatar
    | February 13, 2017

    I need just a small loan on DSP center link can I apply

    • Staff
      Anndy | February 13, 2017

      Hi Erica,

      Thanks for your question.

      Good to Go Loan considers applicants who are receiving certain types of Centrelink payments. You can directly contact Good to Go Loans to discuss your eligibility.

      Alternatively, some of the banks and lenders on this page may also consider you for a loan.


  2. Default Gravatar
    danny | February 4, 2017

    looking to borrow around 3 to 4k im on centrelink but have a ppt job now, Would also like to know do u do 5 year terms?

    • Staff
      May | February 5, 2017

      Hi Danny,

      Thank you for your inquiry.

      With Good to Go, you can actually apply, but the approval will be on a case by case basis. So please review the criteria and contact them directly to discuss your loan options and approval. If you’re keen to know the other lenders that offer loans to people on Centrelink, please check this page.

      Hope this helps.


  3. Default Gravatar
    Andrew | October 3, 2016

    The good to go website doesnt say anything about centrelink applicants being allowed to apply. Is this correct?

    • Staff
      Elizabeth | October 4, 2016

      Hi Andrew,

      You can find reference to Centrelink payments on Good to Go’s FAQ page:

      Am I eligible to apply for an instant small loan?
      If you are over 18, have Identification and receive a regular income via full time, casual employment or are receiving a Centrelink benefit then you can apply.
      Can I still apply if I’m on Centrelink?
      YES, we are regulated to ensure all of our quick cash loans online are suitable and affordable to suit your circumstances. Conditions will of course apply.

      Hope this helps,


  4. Default Gravatar
    | August 18, 2016

    i receive disability pension, am i able to get a $3000 cash loan

    • Staff
      Elizabeth | August 19, 2016

      Hi Utopia,

      Good to Go consider those receiving Centrelink payments as income for loans, so you can apply for a loan. Your eligibility will come down to your capacity to repay the loan.

      I hope this helps,


  5. Default Gravatar
    emanuela | August 16, 2016

    I need a loan of 2 thousand or more for a few years anyone can help

    • Staff
      Elizabeth | August 16, 2016

      Hi Emanuela,

      Good to Go Loans provides loans of between $500 and $5,000 for between 4 weeks and 2 years. If you’re a permanent Australian resident, have a source of income and are over the age of 18 you can submit your application on the Good to Go website. Just make sure you have the means to repay the loan.

      I hope this helps,


  6. Default Gravatar
    Debbie | August 6, 2016

    I would like to borrow $3000 please

    • Staff
      Elizabeth | August 8, 2016

      Hi Debbie,

      You can submit your application directly on the Good to Go website. Make sure you meet the eligibility criteria as outlined on the page above.



  7. Default Gravatar
    Sue | August 5, 2016

    My husband earns $2000 a fortnight outgoing is $1650 a fortnight my son gets $871 a fortnight disability pension we have bad credit rating our son has no credit rating should we do in our name or our sons to get him a rating

    • Staff
      Elizabeth | August 9, 2016

      Hi Sue,

      Unfortunately I can’t advise you either way as it really depends on your individual financial situation – your assets, debts, your bank statements, etc. Good to Go will consider applications from individuals with bad credit so that’s not a reason to not submit your application.

      I hope this helps,


  8. Default Gravatar
    Anthony | May 30, 2016

    My wife and I are looking to borrow $15,000.We have sold a home which has gone unconditional and we are about 15,000 short of paying cash for a nother home.I am on a diabity pension and my wife is just about ready to quit her job as we are relocating.We have very little in super fund and no savings.We are relocating to mildura and my wife intends to work for newstart with a view to get a job.I am 64 and my wife is 61.Can you help us.Thank You.

    • Staff
      Elizabeth | May 30, 2016

      Hi Anthony,

      You’ve come through to, a financial comparison service and not Good to Go Loans. If you’re looking to apply with Good to Go or get in contact with them to discuss your eligibility you can do so via its website.

      I hope this helps,


  9. Default Gravatar
    Carly | May 16, 2016

    Can I get a loan for Upto $5000 on family tax benefit and parental partner payment? If so how much will I be repaying?

    • Staff
      Elizabeth | May 16, 2016

      Hi Carly,

      You’re able to apply for a personal loan if you’re receiving Centrelink payments. However, whether or not you’re approved will depend on a number of factors, including how much you receive, your debts and generally if you can afford the loan.

      Your repayments will depends on the repayment terms specified in your loan contract and the interest rate you receive. Good to Go will be able to offer more information on this.

      Hope this helps,


  10. Default Gravatar
    Tina | May 13, 2016

    I have a friend on Newstart and needs a loan for 6000 what can he do

    • Staff
      Matt | May 13, 2016

      Hi Tina,

      Thanks for getting in touch. You can help your friend compare loans for Centrelink recipients here. We’ve listed out the criteria for each lender so you can make an informed decision.

      Hope this helps

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