Responsible LendingOur Commitment to you as A Responsible Lender.

As a responsible lender, we act in the best interests of our customers. Every loan we offer is affordable and designed to meet your needs.

Responsible LendingOur Guiding Principles.

We see each customer as an individual. And we use these four guiding principles to shape our responsible lending practices:

To make reasonable inquiries about your financial situation.

  1. To take reasonable steps to verify this.

  2. To make a preliminary assessment and final assessment to ensure your credit contract is suitable.

  3. To encourage you to let us know if you’re facing financial difficulties.

Responsible LendingCredit Licence and Membership Information.

Fair Go Finance holds an Australian Credit Licence (ACL 387995) and complies with the responsible lending conduct obligations in Chapter 3 of the National Consumer Credit Protection Act 2009. We hold memberships in several industry bodies through regulatory requirement, ethical choice and corporate responsibility.

Responsible LendingThe National Credit Providers Association.

The Federation’s aim is to promote the enhancement of customer service and build greater government and community understanding of the micro and alternate finance industry throughout Australia. Members include small businesses, medium size companies with several lending outlets and large companies with outlets and/or representatives, in a number of states and territories. For further information please visit

Responsible LendingFinancial Ombudsman Service.

Approved by the Australian Securities and Investments Commission (ASIC), the Australian Financial Complaints Authority (AFCA) is an external dispute resolution scheme for the financial services industry. AFCA provides accessible and impartial support that is often used as an alternative to legal proceedings for resolving disputes with a participating financial service provider.

This service is free to consumers. If you have a complaint about a financial service or product such as a home loan, personal loan, financial planning, managed investment or life insurance, and are unable to reach a solution with the provider of that product, then AFCA may be able to help. For further information call 1800 931 678 or visit

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.

Why Choose Us
  • 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.

See what our customers have to say about us

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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.

  • 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.