Rating based on 32 reviews

Fair Go Finance

  • Loans bad credit up to $5,000
  • 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 June 10, 2018]

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.

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.

Small and medium loans

Dividing loans into small amount quick loans and medium amount loans, the minimum loan option is $500 and the maximum $5,000. The maximum amount in the small loans category is $2,000. The average term for repayment is 5 months and the costs are 20% of the principal amount plus 4% per month until paid.

Medium term loans

Medium loans start at $2,001 and cap out at $5,000. Here the average term is 8 months and the costs are 20% of principal plus a $5 per month account fee, plus 29.9% per annum.

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 repayments terms can be. Clients can tailor their application accordingly.

Fair Go Finance – Bad credit loan

  • Loan Type Loans bad credit
  • Interest Rate from 29.9%
  • Loan Amount up to $5,000
  • 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 loan calculator is for illustration purposes only.
The use of this quick loans 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.

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 Credit Protection Act 2009, 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

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