Good to Go Loans

Good to Go is an Australian loan provider based in New South Wales. It provides online loans to Australians around the country using a simple application process. You can apply for a loan if you if you’re self-employed, have bad credit or even if you receive income from Centrelink.

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

Compare other short term loans

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

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Name	Product	Maximum Loan Amount	Term of Loan	Turnaround time	Costs	Fortnightly Repayment (for $1500 Loan)
Sunshine Short Term Loans		$2,000	9-12 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 9-12 weeks. Loans approved and funded in as little as 30 minutes. Centrelink must not be your primary income	Go to site More Info	Compare	loading Fetching your data...
Wallet Wizard Smart Loan (Up to 2K)		$2,000	Up to 2 years	3 hours - conditions apply	47.8%	$316.70	Apply for up to $2,000 and be able to access your approved loan as a convenient line of credit.	Go to site More Info	Compare	loading Fetching your data...
Nimble Short Term Loan		$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.	Go to site More Info	Compare	loading Fetching your data...
Credit24 Short Term Loan		$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.	Go to site More Info	Compare	loading Fetching your data...
Fair Go Finance Small Loan		$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.	Go to site More Info	Compare	loading Fetching your data...
Cash Converters Personal Loan		$2,000	up to 12 months	Within 48 hours	20% establishment fee + 4% monthly fee	$396	Cash Converters offers this loan from $400 that gives you up to 12 months to repay.	Go to site More Info	Compare	loading Fetching your data...

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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 year to 7 years.
• Personal Loans. You can borrow in between $3,000 and $30,000 through a Personal Loan, and loan terms vary between 1 month to 5 years. 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 1 year, 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. 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, you get to review them as part of the contract, which is not valid until you have accepted it..

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. You can request different payment methods by contacting Good to Go Loans directly.

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.

Elizabeth Barry

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Elizabeth Barry is Finder's global fintech editor. She has written about finance for over five years and has been featured in a range of publications and media including Seven News, the ABC, Mamamia, Dynamic Business and Financy. Elizabeth has a Bachelor of Communications and a Master of Creative Writing from the University of Technology Sydney. In 2017, she received the Highly Commended award for Best New Journalist at The Lizzies. Elizabeth has found writing about innovations in financial services to be her passion (which has surprised no one more than herself).