2020 Financial Services Winner of Australian Small Business Champion Awards

Why Fair Go Finance isso different

Genuine Customer Service
Risk Based Pricing
No hidden costs or early repayment fees
Mates Rates Loyalty Program
Boost Your Credit Score
Extensive Product Range
Flexible Repayments

Read More

Since 2008, our approach is to give every customer a Fair Go, providing affordable and responsible cash loans is the sole reason we exist.

Our aim is to provide ongoing value through innovative personal loan solutions, genuine customer support and market-leading fintech services.

These solid foundations define us and continue to set us apart from our competitors, which is why we are committed to listening, adapting and growing with you, to meet your personal loan needs.

Our approach to lending is unique. You’re not just a credit score to us. You’re a person with a unique financial situation and unique financial goals.

When you successfully repay a loan with us, you’ll move forward financially. You’ll see an increase in your credit score and your ability to access future improves.

Yes, we do offer quick online cash loans similar to our competitors, but irrespective of where you may start your journey with us, our unique lending approach means you will enjoy ongoing benefits and so much more.

Why Fair Go is Better

We provide a service that looks after you. Our combination of personalised and digital service delivers you the best of both worlds.

Your journey starts with our pioneering technology that enables your online loan application to be completed in less than 6 minutes. If approved, you will be given your own credit consultant who will remain your dedicated point of contact for all your future loan needs. You will also have access 24 hours/7 days a week to our customer portal to easily obtain your account information, adjust your payments or to fast-track any future applications.

In addition to all of this, we also provide real time funding. This means your entire loan process, from applying online to receiving your personal loan funds in your account can be as fast as 16 minutes* – from no matter where you are in the world.

Our pricing is different to other lenders. We offer our own risk-based pricing through our own tiered rates, giving you the ability to secure up to 50% lower rates than our competitors.

Our pricing not only rewards good borrowers for their good financial habits (such as no upfront costs on small loans up to $2,000) it equally gives a fair go to borrowers now ready to rebuild their credit history but are shut out by mainstream lenders due to their restricted lending criteria.

With Fair Go Finance, if you don’t immediately qualify for our lowest rate on your first loan, you will have every opportunity to qualify for better pricing on your future loans, simply by making your loan repayments on time and establishing a good repayment history with us.

And with over 12 years of lending expertise, we make sure the price you get is what you can afford. Let us support your ongoing financial journey and you will discover how our loans not only save you money but how their pricing can help improve your borrowing power.

Our unique risk-based pricing provides the opportunity to have no upfront costs on small loans up to $2,000 by rewarding good financial habits.

And for all personal loan borrowers, there are no early repayment fees. So you can borrow and repay your loan with ease and no hidden costs.

We value our customers so we give back too! Our fantastic loyalty program offers outstanding fast tracked loan decisions and further pricing benefits on future loans. Go to our Mates Rates page to discover in more detail how you can benefit each and every time you go forward with a Fair Go Finance loan.

Since implementing Comprehensive Credit Reporting in October 2019, our loans can help you actively improve your credit score. Simply make your loan repayments on time, and this good repayment conduct will be updated every month with various credit bureaus – which ultimately can help boost your credit score!

And it doesn’t stop there. We also reward one customer every month whose score has increased since they took out their loan with us. It’s called our Monthly Cash Boost Award because we match their score increase with cash. It’s another way we like to give back to our customers and support them to move forward financially.

We want to keep growing with you, which is why we offer fast cash loans up to $10,000 for a variety of reasons which include debt consolidation, rent bonds, medical expenses, unexpected costs and more. We also offer competitive online car loans up to $20,000 and a flexible line of credit up to $5,000. Whatever your personal loan need may be, we aim to help.

As a responsible lender, we make sure your repayments are affordable for you, so you can comfortably repay your loan and keep moving forward. And if your circumstances ever change, we can offer flexible options to help you stay on track and protect your credit rating.

Couple Painting Walls got an apartment using a bond loan

See what our customers are saying

Read all reviews

Are you eligible to apply?

I am 18 years or older
I have not entered into bankruptcy or part 9 agreement within the last 6 months
I am willing to provide my Bank Statements online
My income is not solely from Centrelink

Please note: Bank statements can only be submitted via our secure online service.

Get Started Existing Customers