Why choose Fair Go Finance


  • Loans available for bad credit
  • Quick loans are possible
  • Customer service available by phone or online


  • High interest rates
  • High upfront fees
  • No branches to visit

Fair Go Finance Personal Loans

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Features of a Fair Go Finance personal loan

Unlike its payday loans, personal loans from Fair Go Finance come with interest rates in addition to fees. Fair Go Finance personal loans are unsecured.

Fair Go Finance charges a high upfront fee for new customers when establishing their first loan. It is recommended that any potential borrowers compare this fee to other banking institutions before applying for a loan with Fair Go Finance.

Additionally, Fair Go also charges an ongoing monthly fee on its loans. While this is not uncommon, there are many lenders that do not charge this fee.

Fair Go Finance personal loan rates are high when compared to the rest of the personal loans market.

Fair Go Finance personal loans - customer service

Fair Go Finance is an online institution, so there are no branches for borrowers to visit in Australia.

Customer service is offered to Australians through phone, email or online correspondence. The call centre can be reached Monday – Friday 6.30am to 4:30pm (AWST), and Saturday 8:00am to 12:00pm (AWST).

Who is eligible for a Fair Go Finance personal loan?

Meeting the following criteria will assist applicants in securing a personal loan from Fair Go Finance:

  • Be at least 18 years of age
  • Living in Australia (citizen, permanent resident, on a working visa or sponsorship visa)
  • Employed and earning at least $500 per week (Centrelink income can’t be your only source)
  • Have not declared bankruptcy in the last 12 months

How to apply for a Fair Go Finance personal loan?

Here is how you can make an application for a Fair Go Finance personal loan:

  1. Choose your loan amount and term.
  2. Complete the online application form. It should take about 5 minutes.
  3. Submit the application and you’ll receive your preliminary assessment outcome.
  4. Fair Go Finance will get in touch and let you know the outcome.
  5. If approved, you will receive your funds overnight.

Fair Go Finance personal loans review

Much like its payday lending services, a Fair Go Finance personal loan is a lending option for those with bad credit who have no other options.

There is a high upfront fee associated with Fair Go Finance personal loans. Ongoing monthly fees also apply. Additionally, current personal loan interest rates from Fair Go Finance are high when compared to loans from other financial institutions.

As such, most potential borrowers are likely to find a more cost-effective loan with more reasonable terms from other personal lenders in Australia.

Generally speaking, a Fair Go personal loan should not be sought for unnecessary personal items, due to the high rates and fees.

Use RateCity to compare personal loan interest rates and find the best personal loan rates available for your specific requirements and financial situation.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.