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.

Rates last updated December 14th, 2017
Name Product Max. Loan Amount Term of Loan Turnaround Time Costs Fortnightly Repayment $1,500 Product Description
Sunshine Short Term Loans
9-15 weeks
30 Minutes - conditions apply
20% of loan amount + 4% of loan amount each month
Apply online with Sunshine Loans and you could borrow up to $2,000 paid directly into your account. Family Business since 1999.
Wallet Wizard Smart Loan (Up to 2K)
Up to 2 years
24 hours
47.8% APR
Apply for up to $2,000 as a convenient line of credit.
Nimble Short Term Loan
62 days to 1 year
1 hour - conditions apply*
20% of loan amount + 4% of loan amount each month
Apply for a short term loan and you could borrow up to $2,000
Ferratum Cash Loans
up to 6 months
Same Day if approved
20% of borrowed amount + 4% of borrowed amount each month
A small loan from Ferratum lets you borrow up to $1,900 without a credit check

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 week(s) and 52 year(s). 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(s) to 7 year(s) years.
  • 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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50 Responses

  1. 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

    • Staff
      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,

  2. 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

    • Staff
      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.


  3. Default Gravatar
    February 13, 2017

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

    • Staff
      AnndyFebruary 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.


  4. 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?

    • Staff
      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.


  5. Default Gravatar
    AndrewOctober 3, 2016

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

    • Staff
      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,


  6. Default Gravatar
    August 18, 2016

    i receive disability pension, am i able to get a $3000 cash loan

    • Staff
      ElizabethAugust 19, 2016Staff

      Hi Utopia,

      Good to Go consider those receiving Centrelink payments as income for loans, so you can apply for a loan. Your eligibility will come down to your capacity to repay the loan.

      I hope this helps,


  7. Default Gravatar
    emanuelaAugust 16, 2016

    I need a loan of 2 thousand or more for a few years anyone can help

    • Staff
      ElizabethAugust 16, 2016Staff

      Hi Emanuela,

      Good to Go Loans provides loans of between $500 and $5,000 for between 4 weeks and 2 years. If you’re a permanent Australian resident, have a source of income and are over the age of 18 you can submit your application on the Good to Go website. Just make sure you have the means to repay the loan.

      I hope this helps,


  8. Default Gravatar
    DebbieAugust 6, 2016

    I would like to borrow $3000 please

    • Staff
      ElizabethAugust 8, 2016Staff

      Hi Debbie,

      You can submit your application directly on the Good to Go website. Make sure you meet the eligibility criteria as outlined on the page above.



  9. Default Gravatar
    SueAugust 5, 2016

    My husband earns $2000 a fortnight outgoing is $1650 a fortnight my son gets $871 a fortnight disability pension we have bad credit rating our son has no credit rating should we do in our name or our sons to get him a rating

    • Staff
      ElizabethAugust 9, 2016Staff

      Hi Sue,

      Unfortunately I can’t advise you either way as it really depends on your individual financial situation – your assets, debts, your bank statements, etc. Good to Go will consider applications from individuals with bad credit so that’s not a reason to not submit your application.

      I hope this helps,


  10. Default Gravatar
    AnthonyMay 30, 2016

    My wife and I are looking to borrow $15,000.We have sold a home which has gone unconditional and we are about 15,000 short of paying cash for a nother home.I am on a diabity pension and my wife is just about ready to quit her job as we are relocating.We have very little in super fund and no savings.We are relocating to mildura and my wife intends to work for newstart with a view to get a job.I am 64 and my wife is 61.Can you help us.Thank You.

    • Staff
      ElizabethMay 30, 2016Staff

      Hi Anthony,

      You’ve come through to, a financial comparison service and not Good to Go Loans. If you’re looking to apply with Good to Go or get in contact with them to discuss your eligibility you can do so via its website.

      I hope this helps,


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