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Good to Go Loans

Good to Go offers a range of loans, including cash loan up to $5,000 and personal loans up to $30,000. High fees and charges apply.

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Good to Go is an Australian lender that offers a variety of loans you can apply for online – including short term and bad credit loans. They offer short term and cash loans up to $5,000, car loans up to $30,000, personal loans up to $30,000 and business loans.

Depending on the loan, your loan terms can range between 4 weeks and 1 year. This loan is expensive, and comes with high fees and charges. For a $5,000 loan with repayment terms up to 104 weeks, your total repayments will cost $8,364.17.

⚠️ 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.

Compare other short term loans

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

Name Product Maximum loan amount Term of Loan Turnaround time Arrears Fee Costs Fortnightly Repayment (for $1500 Loan)
Sunshine Short Term Loans
12-20 weeks
30 minutes - conditions apply
20% of loan amount + 4% of loan amount each month
A small loan up to $3,000 that you repay over 12-20 weeks. Loans approved and funded in as little as 30 minutes. Centrelink must not be your primary income
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.
Nimble Small Loan
62 days to 9 months
1 hour - conditions apply
20% of loan amount + 4% of loan amount each month
A loan up to $2,000 with terms up to 62 days to 9 months. Centrelink cannot be your primary source of income.
Credit24 Short Term Loan
4 to 12 months
Same day - conditions apply
20% of loan amount establishment fee + 4% of loan amount monthly.
Credit24 offers this loan up to $2,000 and gives you 12 months to repay. Centrelink borrowers are considered as long as Centrelink payments are not more than 50% of income.
Credit24 Medium Term Loan (Good Credit)
12 to 24 months
Same day
$400 establishment fee + 48% p.a. interest
A small loan with long terms: Apply for up to $5,000 and have up to 2 years to repay.
Fair Go Finance Medium Personal Loan
6 to 15 months
Within 24 hours
Establishment fee of $400
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.

Types of loans from Good to Go

  • Short Term and Cash Loans. A Good to Go Cash Loan offers amounts of $500 to $5,000, with loan terms of 4 weeks to 1 year (with the option of longer terms for larger loans). People who receive Centrelink income and/or have bad credit are eligible to apply for this type of loan.
  • Car Loans. Good to Go offers a minimum of $3,000 and up to $30,000 through its car loan option. If approved, you can use this loan to buy a new car or repair your existing car. You can also apply if you have bad credit. Loan term can vary from 1 year to 7 years.
  • Personal Loans. Good to Go offers personal loans between $3,000 and $30,000, with loan terms of between 1 month to 1 year. This loan is available for applicants with bad credit.
  • Business Loans. 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. Good to Go offers as little as $500 through a cash loan, or borrow up to $30,000 through a personal loan or car loan. Larger amounts may also be borrowed for business loans.
  • Flexible loan terms. Cash loans and personal loans come with minimum loan terms of 4 weeks. The maximum loan term for cash loans is1 year, while personal loan terms can be a maximum of 1 year.
  • Repayment flexibility. Good to Go loan repayments are typically set up as regular, direct debits from a nominated account. However, it does offer other options – such as online debit card payments. It also offers additional repayments and the option of paying out the loan early.

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

The rates and fees that apply for Good to Go loans vary depending on factors including the type of loan and the amount that's borrowed. This structure means there is no clear table of rates or fees available on the Good to Go website.

However, it does disclose all fees and charges when an application is received and a loan offer is made to the applicant. If you want more specific details before applying, call the Good to Go accounts department on 1300 197 727.

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. Good to Go clearly displays its contact details on its website, including its phone number, address and an online enquiry form. If you’re worried about the fees and charges associated with these loans, remember to carefully review them before accepting an offer or signing any contract.

How to apply for a loan from Good to Go

You can apply for a Good to Go loan online via its website. Remember to check the eligibility criteria for the loan, which will include the following requirements:

  • You must be a permanent Australian resident
  • You must be over 18 years old
  • You must have a regular source of income

The application will also require the following details:

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

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60 Responses

    Default Gravatar
    CurtAugust 14, 2018

    I’m on a disability pension for the last 6 year’s and I’m over 35 with good credit history, just one paid default. Can I get a $15000 personal loan?

      JhezelynAugust 15, 2018Finder

      Hello Curt.

      Thank you for your comment.

      Good to Go’s Cash Loan product is also offered to individuals who receive Centrelink income. Your capacity to repay a loan will be considered. However, the lender decides how much they’ll approve you of. So it’s best to contact Good to Go directly and check your options.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.


    Default Gravatar
    AllenJuly 13, 2018

    I have $295k. I need $95k to purchase a home unit for $390. I am currently waiting for my Disability claim form centrelink to approved. I am also 2 weeks away from finding out whether an insurance payout of $120.000 from my super company is approved.

      MayJuly 23, 2018Finder

      Hi Allen,

      Thank you for your inquiry and sorry for the delayed reply.

      Are you looking for a personal loan of about $95K? If so, I’m afraid that Good to Go only offers loans to people with regular income. Nevertheless, you might want to check with any lenders offering Centrelink loans. Though please note that $95K is already a very big amount for a personal loan, as it is already risky for lenders to lend such an amount.

      Meantime, another option for you could be a Centrelink home loans. Please check our guide to know how you can apply while receiving Centrelink payments. It would be advantageous as well to speak to a mortgage broker who can take into account your circumstance and help you find a suitable home loan for you.

      Hope this helps.


    Default Gravatar
    MichelleJune 30, 2018

    Katherine I am currently 27 weeks pregnant and have 13 weeks to go. I need to know if I should take out a personal loan to help pay for bubs things he will need once born. What do you advise?

      Default Gravatar
      NikkiJuly 2, 2018

      Hi Michelle,

      Thanks for your message and for contacting Finder.

      Yes, you can definitely apply for a personal loan to pay for expenses when your child arrives. Just make sure you have all the eligibility requirements needed to apply for one. You can check the needed documents to apply for a loan.

      Also, here is a list of private health insurance for pregnancy and birth. On the page is a comparison table you can use to see which insurer suits you. When you are ready, you may then click on the “Go to site” button and you will be redirected to the insurer’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.

      Hope this was helpful. Hope you have a safe delivery!


    Default Gravatar
    ReeceJune 18, 2018

    How do I get a loan with bad credit rating

      Default Gravatar
      ArnoldJune 18, 2018

      Hi Reece,

      Thanks for your inquiry.

      Having bad credit can make it difficult to access finance when you need it, but if you’re in that situation you still have some options to choose from. You have both secured and unsecured bad credit loans available to you, but lower interest rates and fees can be found if you’re able to offer security. Lenders may also be more willing to approve you as the loan is less of a risky venture.

      Here’s our list of secured bad credit loans to choose from.

      Please click the name of the lender to be redirected to our review page and learn more about the lender’s loan offer, rates, and requirements as well as the pros and cons of using their loan service. When you are ready, 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 the application or get in touch with their representatives for further inquiries you may have.

      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.

      Hope this information helps


    Default Gravatar
    StayAtHomeMomJanuary 14, 2018

    I’m a stay at home mom on centrelink. I need a loan for $1200 for an emergency situation we have. I know i can pay back the loan with my centrelink allowance (fortnightly) as i live at home (no rent etc) but I’ve been declined from these loan places, would Good to Go be any different?

      RenchJanuary 16, 2018Finder


      Thanks for your inquiry.

      Good to Go can let you borrow $500 to $5,000, and loan terms vary between 4 weeks to 5 years. You can apply for this loan if you’re on Centrelink income and if you have bad credit. If you meet the eligibility criteria above, you can apply for a Good to Go loan online via its website. Keep in mind that the approval will be on a case-by-case basis. So please review the criteria and the relevant Product Disclosure Statements/Terms and Conditions. If you’re keen to know the other lenders that offer loans to people on Centrelink, you should be able to check which lenders do by checking the table found on the page.

      Hope this helps.

      Best regards,

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