Good to Go Loans

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.

Updated December 13th, 2018
Name Product Maximum Loan Amount Term of Loan Cash Deposited In Costs Fornightly Repayment (for $1500 Loan)
$2,000
9-15 weeks
30 minutes - conditions apply
20% of loan amount + 4% of loan amount each month
$396
A small loan up to $2,000 that you repay over 9-15 weeks. Loans approved and funded in as little as 30 minutes. Centrelink must not be your primary income
$2,000
Up to 2 years
3 hours - conditions apply
47.8%
$316.7
Apply for up to $2,000 and be able to access your approved loan as a convenient line of credit.
$2,000
62 days to 1 year
1 hour - conditions apply
20% of loan amount + 4% of loan amount each month
$396
A loan up to $2,000 with terms up to 62 days to 1 year. Centrelink cannot be your primary source of income.
$2,000
6-12 months
Same day - conditions apply
20% of loan amount establishment fee + 4% of loan amount monthly.
$396
Credit24 offers this loan up to $2,000 and gives you 12 months to repay.
$2,000
3-12 months
1 business day
Establishment fee from 10% of loan amount + monthly fee from 2%
$354
A small loan between $500 and $2,000 that can be funded in 24 hours.
$2,000
6 to 12 months
Overnight
20% of loan amount + 4% of loan amount each month
$396
A short-term loan from $500 that you can have up to 12 months to repay. All credit histories considered.

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 weeks and 1 year. 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 to 7 year(s).
  • 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 4 weeks, and while the maximum loan term for Cash Loans is two years, you can have up to 5 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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62 Responses

  1. Default Gravatar
    maselusiOctober 6, 2018

    I am 58yrs old and I received Centerlink Newstart for 4years. I have paid off my home and car I don’t owe anybody any money. Would I be able to get a Good To Go personal loan?

    • finder Customer Care
      MayOctober 7, 2018Staff

      Hi Mase,

      Thanks for your question.

      I’m afraid that Good to Go doesn’t accept applicants who are Centrelink recipients. They generally require their customers to have a regular source of income which can be supported with employment details. Nevertheless, you can check your options for loans on this page. From there, you would find a guide on which lenders (with green checks in the table) offer loans on Newstart. Aside from that, you can also find a helpful calculator in computing how much you can borrow.

      To apply for a Centrelink loan, best to get in touch with the lender directly. Best as well to review first the related terms and conditions or disclosures before considering the loan product is right for you.

      Hope this helps.

      Cheers,
      May

  2. 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?

    • finder Customer Care
      JhezelynAugust 15, 2018Staff

      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.

      Regards,
      Jhezelyn

  3. 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.

    • finder Customer Care
      MayJuly 23, 2018Staff

      Hi Allen,

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

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

      Meantime, another option for you could be a home loan for Centrelink recipients. There’s a guide on this page on how you can apply. 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.

      Cheers,
      May

  4. 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?

    • finder Customer Care
      NikkiJuly 2, 2018Staff

      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. Here is a useful page to check the documents needed to apply for a loan.

      Also, here is a page for private health insurance for pregnancy and birth.

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

      Cheers,
      Nikki

  5. 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.

      To check your options for bad credit loans, please click on this link.

      Hope this information helps

      Cheers,
      Arnold

  6. 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?

    • finder Customer Care
      RenchJanuary 16, 2018Staff

      Hi,

      Thanks for your inquiry. Please note that we are not affiliated with Good to Go Loans or any company we feature on our site and so we can only offer you general advice.

      Through a Good to Go Cash Loan you can borrow $500 to $5,000, and loan terms vary between 4 week(s) and 52 year(s). You can apply for this loan if you’re on Centrelink income and if you have bad credit.

      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.

      Best regards,
      Rench

  7. Default Gravatar
    JoeDecember 1, 2017

    If it show default on bank statement and loan is their any chance in a loan. But you want pay it all off and bills and pay for holiday, to keep one loan to have to beable pay off. To be stress free this Christmas

    • finder Customer Care
      RenchDecember 1, 2017Staff

      Hi Joe,

      Thanks for your inquiry. Please note that we are not affiliated with Good to Go Loans or any company we feature on our site and so we can only offer you general advice.

      If you are referring to Good to Go Loans, please visit their official site and you may submit an online application from there.

      You can also check this page for helpful info and compare your options for personal loans for debt consolidation.

      Debt consolidation allows you to combine all your loans into one. Essentially, it can give you a way to reduce your interest rates and fees, thereby giving you a way to get yourself out of debt. If you choose to consolidate your debt, you’ll have one loan repayment to worry about rather than several.

      Hope this information helped.

      Best regards,
      Rench

  8. Default Gravatar
    DomenicOctober 19, 2017

    Hi. Before applying for your Centrelink benifits cash loan I would like to know any possible reasons that could cause u to decline an application?

    Regards, Dom

    • finder Customer Care
      HaroldOctober 19, 2017Staff

      Hi Domenic,

      Thank you for your inquiry.

      Lenders may require different eligibility criteria. As long as you can meet the criteria as well as the application requirements you have a better chance of getting an approval. But please not your approval may vary depending on the lender on how they can see you can repay the loan.

      I hope this information has helped.

      Cheers,
      Harold

  9. Default Gravatar
    February 13, 2017

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

    • finder Customer Care
      LouFebruary 13, 2017Staff

      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.

      Cheers,
      Anndy

  10. Default Gravatar
    dannyFebruary 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?

    • finder Customer Care
      MayFebruary 5, 2017Staff

      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.

      Cheers,
      May

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