Am I eligible to apply for a Fair Go Finance loan?

If you answer “YES” to these questions you are eligible to apply *

Loan Man
  • 18 years or older
  • Residential Status
    • Australian Citizen
    • Australian Permanent Resident
    • Working Visa 457
    • Sponsorship Visa
  • Employment Status
    • Earn $500+ per week
    • Full Time, Part Time or Casual
    • Centrelink not your only source of income
  • Credit File
    • Bad Credit OK*
    • Good Credit OK
    • Bankruptcy OK if over 12 months*
    • Defaults OK*
    • *These factors are considered, however they may impact your application
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Incomes We Cannot Accept

  • We cannot accept the following Centrelink payments: Newstart, Austudy, AB Study, Aged Pension, Maternity, or Disability Support.
  • We cannot accept ‘cash in hand’ income.

Employment Eligibility


Full Time/ Part Time/Casual Employment

All can be considered. Proof will be required.


Contract Employed

Duration remaining on your contract must be longer than the loan term you apply for.



If you are Self-Employed - Click Here To Apply with one of our partners.

Employment Situations We Cannot Assist

  • Maternity Leave: Please note we cannot approve a loan if you are on maternity leave or are due to go on maternity leave.
  • Your Employment has been terminated.
  • Your Contract is ending and you cannot evidence that it is going to be renewed.
Supporting Document Verification

You will need to provide the following documents

1. Income Current bank statements (past 90 days) plus one payslip (within last 30 days).
2. Identification Drivers Licence or Medicare card. Alternatives can be provided if required.
3. Residential A utility/phone bill or lease/rental agreement that confirms your residential address. (NB. If you live in a caravan or have no fixed address, you are not eligible to apply.)
* If you meet the above criteria you are eligible to apply for a Fair Go Finance loan. A credit consultant will then perform an assessment and determine if your loan can be approved. The assessment includes an affordability calculation and credit check. (NB We can assist applicants with certain levels of bad credit but recommend you contact us to confirm your individual situation before submitting your application). If you have any queries about this information, please call us on 1300 324 746.