Rating based on 41 reviews

Good To Go Loans

  • Loans bad credit up to $5,000
  • Low-interest starting from 32%
  • Repayment up to 24 months

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Good To Go Loans homepage
Author Good To Go Loans. Screenshot of Good To Go Loans website.
[Accessed May 24, 2023]

About Good To Go Loans

Although cartoonish in rendering and with a sassy look & feel, a few minutes onsite with Good To Go Loans will quickly demonstrate just how geared they are towards bad credit loans.

Having clearly done extensive research on their target market, the site is constructed to enable ease of navigation and facts & a few figures abound.

Straight talk turns to cash

Although offering other services, Good To Go Loans has a keen eye on the niche of bad credit loans and their targeting of this arena is evident from the common sense FAQ tab as well as the intel placed per page.

A transparent lender

Possibly the most transparent lender in the country, Good To Go Loans makes no bones about any details needed to successfully apply for a loan, nor do they hold anything in reserve about how one qualifies or not.

Receiving Centrelink payments?

A range of loans to meet your needs

Good to Go Loans offers a comprehensive range of loans designed to cater to a wide range of needs. Whether clients require a personal loan, business loan, bad credit cash loan, car loan, or short-term loan, Good to Go Loans has got them covered.

They even offer lines of credit for added flexibility. They believe in giving everyone a fair go, considering all loan applications, including those from Centrelink recipients, individuals with bad credit history, and self-employed individuals.

Generally, however, even if one is on Centrelink but can demonstrate regular income, the company will assist with a quick loan.

Flexible yet compliant

Placing all of its charm and allure in the basket of utter openness and frank talk, this lender dances a merry jig by being wholly compliant with lending legislation on the one hand and also pretty unfussed about things on the other. It’s an offer that is a resounding success with many Australians.

Good To Go Loans Services

There is an online loan application form upon click-through as well as a facility to enable online document verification as well as electronic transaction capacity.

Highly astute site build has enabled a smooth experience for any prospective client. While the site indicates a 4 step process, prospective clients need not be disheartened as it is brisk and snappy in the extreme.

Benefits of using Good To Go Loans

Music to your ears

Bad credit loans are generally in the consumer’s hands on the same day. Good To Go Loans live up to their promise of a fast loan. There are no fees levied for applying nor for granting a loan and, as the company openly states, no nasty surprises waiting ahead.

By way of an example, where a bad credit loan of $500 advanced to a client, with a repayment term of 12 weeks, that client would end up paying $55 a week for final repayment of $660. Loan amounts can be as low as $500 all the way up to $5000.

Flexibility in repayment

Clients need not even have a bank account, although the preferred repayment method is indeed via debit order. Good To Go Loans will, however, accept other forms of payment too.

Bad credit loans tailored to your repayment ability 

Good to Go Loans specializes in providing quick approval cash loans for individuals who have poor credit. They cater to various situations, even offering personal loans for individuals receiving Centrelink benefits and having bad credit.

The company emphasises transparency by openly communicating fees, terms, and conditions, ensuring borrowers are well-informed and can avoid any unexpected surprises. Their aim is to provide loans that align with your ability to comfortably repay.

Good To Go Loans – Bad credit loan

  • Loan Type Loans bad credit
  • Interest Rate from 32%
  • Loan Amount up to $5,000
  • Repayment 4 weeks to 24 months

Benefits of Good To Go Loans

  • Get a loan in 1 hour
  • Flexible loan terms up to 24 months
  • Interest rates starting from 32%
  • Reliable bad credit loans up to $5,000

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.

Good To Go Loans go the extra mile for clients

Hinging largely on their being the last resort for many, the trust factor is large between the company and its clients and mutual respect keeps default to a minimum. Also, in the event of early settlement prior to term, there's no penalty levied.


As long as one calls 2 days before the due date, arrangements can be made to accommodate the drag on a payment.

Self-employed borrowers

Self-employed individuals are usually elated to learn that Good To Go Loans hesitates not a nanosecond due to their employment status. The company essentially evaluates the prime criterion of whether or not a personal loan is genuinely affordable.

Among all lenders servicing blacklisted loans, this company has few competitors in its no-nonsense approach and chatty style on site.

Actively encouraging returning clients, Good To Go Loans has pretty much brought the essence of a strong relationship to life in a financial service offering, being straightforward and always ready to try and help.

Ready to apply with Good To Go Loans?

Eligibility requirements for a bad credit loan

To be eligible for a bad credit loan with Good to Go Loans, applicants need to meet the following criteria:

  • At least 18 years old.
  • Australian citizens or permanent residents.
  • Have a regular source of income, whether from employment or Centrelink benefits.
  • Provide their most recent 90 days of bank statements to verify their income and expenses.
  • While Good to Go Loans specialises in providing loans to individuals with bad credit, they still assess the applicant's credit history to determine loan suitability.

Loan calculator: How much will you loan cost?

Before you submit your loan application, get an idea of how much our loan will cost you in just seconds. Use our loan calculator to see how much your repayments could be which will give you an indication of what you can borrow. All you have to do is move the sliders to choose how much you want to borrow and for how long you'd like to borrow it for. However, bear in mind that this serves to give you an idea and should therefore not be taken as an official quote from us.

Bad credit loan specialists

Should you need help with completing your application or have questions, they have a whole team of specialists who know a thing or two about bad credit loans. They can assist you throughout the process, explaining whatever you need to be explained and giving you a hand when you need it.

A responsible lender

Good to Go Loans is a lender that's always on your side - you, the ordinary everyday Australian. This means that they lend responsibly to our clients, meaning they'll never lend you more than what they believe you can repay comfortably. Their aim is not to put you in a position of financial hardship; it's to give you the quick cash that you need to fulfil whatever financial need you may have.

man holding thumbs up

Good To Go Loans is a trusted & reliable provider of loans bad credit

In our review, Good To Go Loans 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.

✅ Good To Go Loans is a registered credit provider in Australia: ACL 439808

Customer Reviews & Testimonials

October 2018

Thank you to the customer consultant who took the time to explain the full details of my bad credit loan to me. Thank you for being so patient and an absolute sweetheart.

Jack W
— Sydney —

August 2018

My rate was so affordable I managed to repay my loan without difficulty.

Riley N
— Brisbane —

January 2019

I desperately needed a car to drive my elderly mother back and forth to the hospital several times a week. I want to say thank you for making this possible for me after struggling to get a loan f...

Charlotte B
— Perth —

Good To Go Loans Contact

Physical Address

Postal Address

  • PO Box 735, Windsor, 2756, Australia

Opening Hours

  • not available