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Do 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:
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.
Whilst we don't compare this loan directly, here are some other loans that are similar.
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.
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.
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:
The application will also require the following details:
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).
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.
The Fixed Home Loan from Hunter United is a fixed rate loan with options for home buyers and investors.
nmoni is an Australian lender that offers personal loans to both good and bad credit applicants. Find out more about nmoni's rates, fees and features.
The homeloans.com.au Low Rate Home Loan with Offset is fee-free and features a 100% offset account.
Finding finance for your motorbike needn't be a hassle. Licensed Aussie loan broker Driva specialises in a range of vehicle loans and could help you find the perfect motorbike loan for the bike of your dreams.
The Classic Owner Occupied Fixed Special Home Loan from Homestar is one of the lowest fixed rate loans around.
Looking for a low fixed rate loan with an offset account and package benefits? Check out MOVE's Complete Package Fixed Home Loan.
The Smart Booster Discount Home Loan from loans.com.au is a variable rate home loan offering a discounted interest rate that's one of the lowest in the market.
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?
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
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.
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.
Cheers,
May
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?
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!
Cheers,
Nikki
How do I get a loan with bad credit rating
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
Cheers,
Arnold
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?
Hi,
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,
Rench
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
Hi Joe,
Thanks for your inquiry.
Good to Go is one of the lenders that consider applicants with bad credit. You may apply for a loan provided you meet the other criteria above. If you do, please visit their official site to proceed with your application.
You may also consider applying from our list of bad credit personal loans as well as our list of personal loans for debt consolidation, if you are looking to pay off multiple existing debt. On the page, is a comparison table you can use to see which lender suits you.
You can click the name of the lender or the “More info” link 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 helped.
Best regards,
Rench
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
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
I need just a small loan on DSP center link can I apply
Hi Erica,
Thanks for your question.
I might not be able to tell you whether you would be approved or not for a loan, but yes, it is possible for you to still get a loan even if you’re on DSP. Ultimately, lenders would check your ability to make repayments, and based on their assessment, they will determine whether to approve you or not.
If you’re interested in Good to Go Loan, yes, they may consider applicants who are receiving certain types of Centrelink payments. You can directly contact Good to Go Loans to discuss your eligibility.
Alternatively, if in case you want to explore other options, please check the list of loans for Centrelink recipients featured on our website. Open that link and you should find a comparison table. Once you’re done comparing, please select the “Go to site” button to be safely redirected to your chosen lender.
Please make sure that you have read the relevant T&Cs or PDS of the loan products before making a decision. Moreover, check the eligibility requirements as well and consider whether the product is right for you.
Also if you can, contact first the lender and discuss your options and chances of approval before you send anything final for your application.
I hope this helps. Should you have further questions, please don’t hesitate to reach out again.
Have a wonderful day!
Cheers,
Anndy
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?
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 who might help you, please check the list of Centrelink loans featured on our website.
Hope this helps.
Cheers,
May
The good to go website doesnt say anything about centrelink applicants being allowed to apply. Is this correct?
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,
Elizabeth