Rating based on 32 reviews

Fair Go Finance

  • Loans bad credit up to $10,000
  • Low-interest starting from 29.9%
  • Repayment up to 12 months

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Fair Go Finance homepage
Author Fair Go Finance. Screenshot of Fair Go Finance website.
[Accessed May 24, 2023]

About Fair Go Finance

With the name saying it all, Fair Go Finance has navigated the sometimes fraught space of bad credit loans supremely well.

It today presents as a welcomed option for a broad range of loan purposes as well as bad credit loans specifically. Fair Go Finance has developed a reputation as an entity that can enable Australians to begin rebuilding a decent credit rating.

Fair Go Finance: Empowering financial solutions for your unique needs

Exceptional lending experience tailored to you

Fair Go Finance believes in offering a truly exceptional lending experience that sets them apart from the rest. Their commitment to providing affordable and responsible cash loans since 2008 stems from their belief in giving every customer a Fair Go. They understand that each person's financial situation is unique and strive to tailor their lending approach to meet their specific needs.

Innovative solutions and transparent pricing

What sets Fair Go Finance apart? It starts with their genuine customer service. They value each individual, not just a credit score. Their dedicated team takes the time to understand their customers' financial goals and tailor loan solutions that align with their unique circumstances. They listen, adapt, and grow with their customers to ensure they meet their personal loan needs effectively.

Their innovative approach to lending goes beyond quick online cash loans. Fair Go Finance offers a range of extensive loan products, including personal loans up to $10,000, competitive online car loans up to $20,000, and a flexible line of credit up to $5,000. Whatever their customers' financial needs may be, Fair Go Finance is there to support them.

Transparency and affordability are at the core of Fair Go Finance's pricing. Unlike other lenders, they offer risk-based pricing through their own tiered rates. This means customers have the opportunity to secure up to 50% lower rates than their competitors. Fair Go Finance rewards good financial habits by waiving upfront costs on small loans up to $2,000. Moreover, they're dedicated to helping customers improve their credit scores through their Comprehensive Credit Reporting system. When customers successfully repay a loan, their credit scores increase, giving them better access to future financial opportunities.

Dedicated to your financial well-being

Fair Go Finance believes in giving back to its customers. Their Mates Rates loyalty program offers outstanding fast-tracked loan decisions and additional pricing benefits on future loans.

As a responsible lender, they provide flexible repayment options and ensure there are no hidden costs or early repayment fees. Your financial well-being is their priority, and they are there to support you every step of the way.

Upbeat and sleek

Presenting as an upbeat and sleek online presence, the short term loan application process is swift and clearly, the company has done a great deal of work in this arena.

With contact details clearly displayed and a scroll-down page that says it all, consumers are left in no doubt as to terms and conditions, required documents and the application process itself.

A new lease on life

Well received by the Australian public, as evidenced by its perpetual growth, Fair Go Finance is a homespun outfit that seeks out the nuances necessary to enable many borrowers to gain a new lease on life.

Simple terminology and a mass of useful guides make this site an eminently navigable and detailed offering. Fair Go Finance recognises existing or previous clients and login is further facilitated, as is borrowing if one is already on the books.

Fair Go Finance Services

Fair Go Finance has an extremely quick online loan application procedure.

Any Australian citizen of 18 years or older and currently employed is eligible for a bad credit loan with this company.

Loans for self-employed

The self- employed will have a tougher time applying successfully. That said, provided documents are valid and a demonstrable, regular income is visible, even the self-employed may find relief in a pinch with Fair Go Finance. If officially bankrupt, as long as the declaration is older than 12 months, applicants are still welcome.

Need a loan for poor credit?

Fair Go Finance offers personal loans that can be a suitable option for individuals with poor credit history. Recently, Fair Go Finance was awarded "Best for Accessible Credit - Personal Loans" at the 2023 WeMoney awards, highlighting their commitment to providing accessible credit solutions. Here are some key features and benefits of Fair Go Finance personal loans:

Loan options and features

  • Loan amounts: Fair Go Finance offers personal loans ranging from $500 to $10,000, allowing borrowers to choose the loan amount that best suits their needs.
  • Low interest rates: Personal loans from Fair Go Finance have competitive interest rates, starting from 18.49%, which can help borrowers save on interest expenses over the loan term.
  • One-off expenses: These loans are ideal for covering one-time expenses, such as home repairs, medical bills, or unexpected financial emergencies.

Specialised loan options

  • Fair Go Finance also offers specialised loans for car repairs, allowing borrowers to finance expenses related to their vehicles, including cars, bikes, boats, and caravans.
  • If you have multiple debts, Fair Go Finance provides debt consolidation loans up to $10,000. This option simplifies your debts into one manageable monthly repayment, which can help improve your credit score over time.
  • For individuals in need of short-term financial assistance for rental bond payments, Fair Go Finance offers bond loans up to $5,000. These loans have a repayment period of 21 days and no associated fees.

Fair Go Finance considers applications from individuals with poor credit history. While meeting other eligibility criteria, such as being a permanent Australian resident and having regular paid employment (excluding Centrelink), applicants with bad credit can still apply for a loan.

Fair Go Finance understands that financial circumstances can vary, and they strive to assist individuals in securing the funds they need, regardless of their credit history. By offering secured personal loans, they provide an option for individuals with poor credit to access credit while using their assets as collateral. If you're confident you have a good credit score, you can apply directly online. However, if you're unsure about your eligibility or want to check if you're eligible for a loan without affecting your credit score, you can use Fair Go Finance's eligibility tool.

Fees and charges

When applying for a personal loan from Fair Go Finance, it's important to note that there are associated fees and charges. The establishment fee is a percentage of the loan amount and is charged upfront. Additionally, there is an ongoing monthly fee, which varies depending on the loan amount. Borrowers should carefully review the loan contract to understand the specific fees and charges applicable to their loan.

Tailored loans and accurate info

A host of chart calculations accompany the online visitor and it’s hard to remain in any doubt as to what the loan will cost. Or, for that matter, what one’s options on repayment terms can be. Clients can tailor their applications accordingly.

Fair Go Finance – Bad credit loan

  • Loan Type Loans bad credit
  • Interest Rate from 29.9%
  • Loan Amount up to $10,000
  • Repayment 32 days to 12 months

Benefits of Fair Go Finance

  • Fast bad credit loans up to $10,000
  • Affordable loan terms up to 24 months
  • Interest rates starting from 29.15%

Bad credit loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This bad credit loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

With our fast and easy bad credit loans, you will have the cash in no time

Offering returning clients who have capably repaid their initial personal loan a warm welcome home, Fair Go Finance has adopted a affable stance towards the possibly marginalised among the citizenry.

Great loans & service

Cognizant of the fact that almost everyone needs a boost every now and then, both their loan offer and service offering are soundly structured and a pleasure to encounter.

Fair Go Finance provides a convenient online application process that takes just 5 minutes to complete. This streamlined process allows applicants to easily submit their information and receive a response quickly.

Applying for a loan with Fair Go Finance is easy and convenient

Their pioneering technology enables you to complete your online application in less than 6 minutes. If approved, you will have a dedicated credit consultant as your point of contact, and the customer portal gives you 24/7 access to manage your account effortlessly. With real-time funding, you can receive your loan funds as fast as 16 minutes*.

Better rates next time around

Clearly aiming at a longer term relationship with clients, Fair Go Finance has made impressive efforts to facilitate bad credit loans and their whole approach is one of understanding and facilitation.

Better rates and favourable terms

Although offering fast loans to all and sundry, one would think they are niched towards bad credit loans, so comprehensive is their offer in this market.

Better rates on a second loan are assured and even terms are more flexible for returning clients. This is a well-populated site, posted by a dynamic company and Fair Go Finance will give any consumer all they need to know online and can almost always provide financial relief too.

Quick funding

Following the approval of your loan, we'll make sure that your funds are transferred to you within the next 30 minutes. We understand that when you need cash, you'd much rather get it now than later, which is why we work hard to speed up our processes to get you what you need. 

Calculate before you apply

Make use of our loan calculator to work out your repayments based on the amount you want to borrow and how long you'll borrow for. This will give you an estimate of what to expect but should not be taken as a final offer from us. Only once we've completed a full assessment of you will we be able to let you know what your final amounts will be- this could be higher or lower.

Supportive and caring

If we can help you with a bad credit loan right now, great! But if we can't, we'd still like to help you in another way. If we are unable to offer you a loan straight away, don't lose hope because well support you and give you advice on how you can improve your chances of being accepted the next time around.

man holding thumbs up

Fair Go Finance is a trusted & reliable provider of loans bad credit

In our review, Fair Go Finance adheres to the compliance criteria in accordance with the National Consumer Protection Act, where the granting the loan will not cause financial distress to the consumer.

✅ Fair Go Finance is a registered credit provider in Australia: ACL 387995

Customer Reviews & Testimonials

August 2018

Easy application, quick response and just all-around great experience.

Mackenzie S
— Canberra —

October 2018

Without your help, I don't know where I would be. Thank you for helping me to take care of my medical bills when no one else did. Thank you, thank you, thank you.

Imogen B
— Darwin —

December 2018

Applying was very simple and because it's online it was very convenient too.

Spencer E
— Sydney —

March 2019

I'm amazed at how easy it was to get a loan. Filling in the form was so simple and the customer service was just a delight. Next thing, I had the money! Thank you for helping me out so quickly, e...

Portia J
— Perth —

April 2019

This was my first time using Fair Go Finance and I am so impressed with their customer service. Not only is the level of professionalism outstanding, but every staff member I spoke to also treats...

Evie M
— Melbourne —

Fair Go Finance Contact

Contact Number



Physical Address

Postal Address

  • PO BOX 884, WA, 6210, Australia

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed