Personal Cash Loans in Sydney
Living in Sydney and need urgent cash? Fair Go Finance provides quick, same-day cash loans for any sudden expense. From small loans to $10,000 loans, apply online and get same day funds.
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Setting the Benchmark for Sydney's Small Loan Lenders.
It used to be that if you lived in Sydney and you needed a small loan, it made sense to find a local lender. Not anymore. At Fair Go, we’ve become one of Australia’s largest non-bank lenders and the personal loan provider of choice across Australia – including Sydney – by doing things better.
By being upfront and a responsible lender. By using all our finance and tech smarts to go 100% online. And by streamlining our secure application, assessment and approval process – our free and secure bank statement service means successful applicants generally receive their cash in 24-48 hours.
No unnecessary paperwork. No expensive Sydney CBD offices. Just large, medium and small loans with competitive rates and terms that we personalise to minimise your borrowing costs, all backed by industry-leading customer service that’s just a 1300 324 746 call or click away.
Rates (APR), fees & features
Small Amount Loans
Read More: Small Amount LoansMedium Amount Loans
Read More: Medium Amount LoansLarge Amount Loans
Read More: Large Amount LoansFor our loans of $500 to $2,000 an APR (Annual Percentage Rate) does not apply. For loans above $2,000 maximum APR is 48%. *All prices are indicative for an unsecured personal loan and fees and charges are payable. WARNING: The comparison rate is true only for the example loan amount and term selected and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
1. Comparison Rate is based on an unsecured personal loan of $1,000 over a term of 6 months. Fees and charges are payable.
2. Comparison Rate is based on an unsecured personal loan of $2,500 over a term of 24 months. Fees and charges are payable.
3. Comparison Rate is based on an unsecured personal loan of $10,000 over a term of 24 months. Fees and charges are payable.
Examples
| $1,350 | $3,600 | $6,900 | |
| Average Term | 8 months` | 13 months | 18 months |
| Average repayment per week | $48 | $90 | $119 |
| Establishment Fee | $265 | $627 | $595 |
| Monthly Fee | $50 | $11 | $14 |
| Interest Rate Per Annum (APR) | N/A | 27.49% | 21.90% |
| Comparison Rate | N/A | 60.61% * | 28.87% ** |
For our loans of $500 to $2,000 an APR (Annual Percentage Rate) does not apply. For loans above $2,000 maximum APR is 48%. *All prices are indicative for an unsecured personal loan and fees and charges are payable. WARNING: The comparison rate is true only for the example loan amount and term selected and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
1. Comparison Rate is based on an unsecured personal loan of $1,000 over a term of 6 months. Fees and charges are payable.
2. Comparison Rate is based on an unsecured personal loan of $2,500 over a term of 24 months. Fees and charges are payable.
3. Comparison Rate is based on an unsecured personal loan of $10,000 over a term of 24 months. Fees and charges are payable.
Sydney Cash Loans
Need a quick cash loan? Small or large we can help. Our fast online application and approval process ensures that you can stop worrying and get back to living your life. With Fair Go Finance, you’ll have your money in no time.
Our application process is quick and easy—apply in as little as 6 minutes, and if approved, receive your funds within 15 minutes.
As a responsible lender, we’ll always be upfront about the cost of your loan. As a 100% online personal loan provider, we’ve made applying for loans up to $10,000 as quick, easy and secure as possible. And as a business that focuses on looking after your best interests, we’ll personalise your loans rate and terms to minimise your borrowing costs.
Ready to get started?
How to Apply
With no early payout fees, our flexible range of online loans are perfect for the changing needs of hardworking Aussies. And because our rates are personalised, they’re highly competitive, whatever your credit rating.
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Apply Now
All it takes is 6 minutes with our secure online application form.
Accept Offer
If approved, accept your offer signing online with a secure SMS code.
Receive Finance
Your funds are transferred as cleared funds so you can start using it sooner.
Personalised Support
If you need a little help with anything, simply talk to our support team.
We're with you
So why Fair Go Finance?
We want what’s best for our customers. And we show it every day with loans and service tailored to you.
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Genuine customer service
Our genuine, down-to-earth team is here for friendly, helpful advice – and zero jargon.
Personalised pricing
We get to know your situation to craft a tailored rate just for you.
Credit score boost
Make timely repayments on an initial easy-to-manage loan to actively boost your credit score.
Check if you qualify
Learn how likely you are to get approved, with no impact on your credit file.
How can we help you?
Below you’ll find answers to the most frequently asked personal loan questions
As one of Australia’s largest non-bank personal loan lenders, we provide loans for customers across the country, from small loans of $500 to large $10,000 loans, from Sydney to Perth and from Melbourne to Darwin and everywhere in between.
But because we’re 100% online, we don’t have branches in Sydney (or anywhere else for that matter). And that’s a good thing.
It means we’re able to keep our overheads down, so we can use all our finance and tech smarts to deliver quick, easy and secure personalised loans that minimise your borrowing costs. All supported by the best customer care. All with your best interests and financial well-being in mind. All just a click or call away, whether you live in Sydney or on the other side of the country.
Contact us on 1300 324 746 or via live chat, or apply online for a quick and easy loan.
We’re here to help all Australians get a fair go and the loans they need to get on with life, whether you live in Sydney or on the other side of the country.
As long as you have a valid residential address (we can’t provide a loan if you live in a caravan park) and a smart device and an internet connection, you can apply securely online for a loan and get a provisional decision in minutes – you certainly don’t need a Sydney postcode.
We provide loans ranging from small loans of $500 - $2,000, medium loans of $2,050 - $5,000, and large loans of $5,000 - $10,000 for customers across Australia, from Sydney to Perth and from Melbourne to Cairns.
What’s more, whether you need a small loan or a bigger loan, our quick, easy and secure online application process is the same. You can apply online and get a provisional decision from our smart system in minutes.
Apply for your loan today and see for yourself how fast and simple it is.
If you’re living anywhere in Australia, then technically speaking a small loan is any loan ranging from $500 to $2,000.
Now, you’ll find lots of small loan lenders around Australia – some of them promising quick loan applications and approvals. However, as one of Australia’s largest non-bank personal loan lenders, we’re not only quick, we’re secure and, crucially, responsible too.
With us, you can apply online for a small loan of $500-$2,000 or as much as $10,000 in a matter of minutes. Our smart system will give you a provisional decision in minutes, too. And as a responsible lender, we’ll always be upfront about the cost of your loan – no nasty surprises – and we’ll personalise our rates and terms to minimise your borrowing costs.
No, our small loans are unsecured loans. You don’t need to provide an asset as security for small loans of $500-$2,000. However, if you’d like to take out a larger loan, you may need to provide security – it all depends on your financial situation and credit history.
When you apply online for a quick loan with us, our smart system will give you a provisional decision in minutes.
Then, assuming you’re conditionally approved, our friendly team – based here in Australia – will call you to verify your details and discuss your loan. At that point, we’ll be able to advise you whether you need to take out a secured loan.
A less than ideal credit score isn’t the end of the world. In fact, while we can’t guarantee we’ll be able to provide a loan if you have a bad credit score – even a small loan – we’ve helped lots of customers in Adelaide and throughout the country who have bad credit ratings.
We believe everyone deserves a fair go. And as one of Australia’s largest non-bank personal loan providers and a responsible lender, we’ll do everything we can to help you – if there’s a way for us to help you get a loan, without risking your long-term financial wellbeing, then we will.
If you’re not sure if you have a bad credit score, watch our video about how to find out your credit score, or request a free copy of your credit report from Equifax. It’s easier for us to advise you on the best way forward if we know if – and why – you have a bad credit score.