Good to Go Loans

Compare cash loan, personal loan, car loan and business loan options available through Good to Go.


Good to Go Loans

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Good to Go is an Australian provider that offers a variety of loans people can apply for online – including short term and bad credit loans. It also offers loan options for people who have bad credit, receive income through Centrelink or are self-employed.

Are you struggling financially?

If you're struggling financially and would like to speak to someone for free financial advice, information and assistance you can call the Financial Counsellors hotline on 1800 007 007 (open from 9:30am to 4pm, Monday to Friday). If you are suffering financial problems related to the coronavirus pandemic you may be eligible for additional support. Find out more here:

⚠️ 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.

However, some of these loans can attract high rates and fees, so it's important to carefully consider all the details before deciding whether or not to apply. You can use this guide to learn more about the different Good to Go loans, including application requirements.

Compare other short term loans

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

Data indicated here is updated regularly
Name Product Maximum loan amount Term of Loan Turnaround time Arrears Fee Costs Fortnightly Repayment (for $1500 Loan)
Sunshine Short Term Loans
9-14 weeks
30 minutes - conditions apply
20% of loan amount + 4% of loan amount each month
A small loan up to $2,000 that you repay over 9-14 weeks. Loans approved and funded in as little as 30 minutes.
Nimble Short Term 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.
Fair Go Finance Small Loan
3-12 months
1 business day
Establishment fee 20% of loan amount + monthly fee 4%
A small loan between $500 and $2,000 that can be funded in 24 hours.

Compare up to 4 providers

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 5 years. 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 5 years.
  • 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.

More guides on Finder

  • Earnd

    Earnd is a pay on demand service that lets you access a portion of your paycheque before payday without paying any fees or interest.

  • PayActiv Earned Wage Access

    Learn more about how PayActiv's Earned Wage Access service can help you access up to $500 of your paycheque for a $5 fee charged fortnightly (only if you access your wage before payday).

  • UCapital Unsecured Business Loan

    A UCapital unsecured business loan can provide up to $300,000 without security, with repayment terms between 3 and 12 months.

  • Beforepay

    Beforepay is a smart app that allows you to access up to $200 of your wages ahead of your next payday, while simultaneously offering you budgeting solutions.

  • Pepper Money No Fee Personal Loan Review

    Find out more about Pepper Money's no fee personal loan and benefit from a competitive rate from 6.95% p.a., zero fees and loan terms of up to 7 years.

  • Sydney Mutual Bank Special Fixed Home Loan

    The Special Fixed Home Loan from Sydney Mutual Bank is a fixed rate mortgage for owner-occupiers and investors. Available with a 5% deposit.

  • Hunter United Fixed Home Loan

    The Fixed Home Loan from Hunter United is a fixed rate loan with options for home buyers and investors.

  • ebroker Business Loans review

    Whatever your business loan requirement, ebroker may be able to help. With a range of loan options from over 70 bank and non-bank lenders compared on-site, could you find the right loan for your business?

  • Credit cards vs buy now pay later

    Both buy now pay later plans and credit cards give you ways to pay off purchases over time – here's how they compare.

  • Free Tax Invoice Templates (Australia)

    Here's how to make invoicing work so that your business can get on with delivering value to your customers.

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

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?

      Avatarfinder Customer Care
      JhezAugust 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.


    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.

      Avatarfinder 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.


    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. 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!


    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


    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?

      Avatarfinder Customer Care
      RenchJanuary 16, 2018Staff


      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,

    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

      Avatarfinder 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,

    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

      Avatarfinder 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.


    Default Gravatar
    EricAFebruary 13, 2017

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

      Avatarfinder Customer Care
      DeeFebruary 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.


    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?

      Avatarfinder 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.


    Default Gravatar
    AndrewOctober 3, 2016

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

      Avatarfinder Customer Care
      ElizabethOctober 4, 2016Staff

      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,


Go to site