$5000 Loan – Same day decision
Need a $5000 loan? At Fair Go Finance, we make borrowing simple, quick, and stress-free. Whether you're covering unexpected expenses, planning a big purchase, or consolidating debt, we’re here to help you take control of your finances.
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Calculate your repayments
What this means...
- Interest Rate p.a.
- 29.90%
- Comparison Rate p.a.
- 41.64%
- Total Repayment
- $4,212.51
Minimum weekly repayment*
$81.01
Ready to get started? Get your personalised rate and repayments without impacting your credit score or see our rates & fees
*Includes an interest rate of 29.90% (Comparison Rate of 41.64%). All prices are indicative and applications are subject to assessment. Fees and charges are payable. The Comparison Rate is based on an unsecured personal loan of $2,500 for a term of 2 years. 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.
Why Choose Fair Go Finance for a $5000 Loan?
At Fair Go Finance, we understand that life happens. That’s why our $5000 loans come with features designed to meet your needs:
Fast Online Application: Apply in minutes from the comfort of your home.
Same-Day Funding: Once approved, receive your funds on the same day.
Flexible Repayments: Choose from weekly, fortnightly, or monthly repayment options.
Bad Credit? We look at your overall financial situation, not just your credit score, meaning you may still be able to get a loan with us.
No Hidden Fees: Enjoy total transparency with no sneaky costs or surprises.
No Early Repayment Penalties: Pay off your loan sooner and save on interest!
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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.
What Can You Use a $5000 Loan For?
A $5000 loan can be the perfect solution for a wide range of financial needs, including:
Emergency Expenses: Cover urgent bills like car repairs, medical costs, or home fixes.
Debt Consolidation: Combine high-interest debts into one manageable repayment.
Travel and Holidays: Fund your dream vacation or visit loved ones without financial stress.
Home Renovations: Make home improvements to enhance comfort or value.
Vet Bills: Take care of your furry friends with ease.
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What Can You Use a $5000 Loan For?
A $5000 loan can be the perfect solution for a wide range of financial needs, including:
Emergency Expenses: Cover urgent bills like car repairs, medical costs, or home fixes.
Debt Consolidation: Combine high-interest debts into one manageable repayment.
Travel and Holidays: Fund your dream vacation or visit loved ones without financial stress.
Home Renovations: Make home improvements to enhance comfort or value.
Vet Bills: Take care of your furry friends with ease.
How to Apply for a $5000 Loan
Applying for a $5000 loan is as easy as 1-2-3:
Submit Your Online Application
Fill out our simple online form in just a few minutes. Select your loan amount, repayment term, and upload the required documents.
Get Quick Approval
Once we’ve reviewed your application, you’ll receive an outcome—often instantly. If approved, get your funds within 15 minutes!
Receive Your Funds
After signing the contract, your funds are deposited into your bank account. Many customers receive their money within 15 minutes!
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Eligibility for a $5000 Loan
We keep our eligibility criteria simple to ensure you can apply with confidence:
Age: You must be 18 years or older.
Income: Proof of a regular income is required.
Residency: Be an Australian citizen or permanent resident.
Banking History: Provide 90 days of bank statements.
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.
| Loan Amount | 15% Interest | 20% Interest | 25% Interest |
|---|---|---|---|
| $5,000 | $27/week | $30/week | $34/week |
| $10,000 | $55/week | $61/week | $67/week |
Bad Credit? It might not be as bad as you think...
Fair Go Finance believes your credit history shouldn’t define your future. That’s why we assess your current circumstances rather than focusing solely on your credit score.
Even if you have bad credit, we’ll consider your application based on your income, expenses, and ability to make repayments. Thousands of Australians with bad credit have successfully secured loans with us—so don’t hesitate to apply!
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 funeral loan questions
Your level of bad credit will play a part as to whether you can successfully take out a bad credit loan with us.
One part of our assessment criteria does look at the number of loan enquires you’ve had recently, the number & status of any recent defaults and any other adverse items on your credit file such as bankruptcy or a part 9.
The fewer you have, the more likely you will be eligible but we do pride ourselves on helping customers who may have had issues in the past, but are clearly ready to get back on track.
Please call us on 1300 324 746 if you’d like more information or if you’d like to discuss your current credit report before completing our online application. We’re here to help.
Our loans are based on your individual and current financial circumstances. Until we receive your application and your bank statement information, it is not possible for us to guarantee you will be approved.
Our loan repayments vary depending on the loan amount, the loan term and the interest rate. You can use our loan calculator as a guide, however because we tailor our rates to your unique credit profile, we will not be able to confirm any repayments until your assessment is complete.
The interest rates for our loans are calculated using risk-based pricing, which simply means the better your credit rating, the better the interest rate you can be eligible for. We won’t be able to confirm what interest rate you may be eligible for until your assessment is complete, however you can see the range of our interest rates for our personal loans here.
The usual waiting time to receive your loan application outcome is between 24-48 working hours.
If you need a cash loan fast – really fast – then call us on 1300 324 746 or talk to our team in Australia via live chat. We’ll help you fast-track your cash loan application the same day.
Apply online in less than 6 minutes. Our clever online application form is quick and easy to complete – apply from anywhere in Australia, anytime day or night.
A little human touch may come into play. If your application isn’t given an immediate outcome, a friendly credit consultant will be in touch to confirm what they need clarified, or if there’s a different amount or product they can offer you.
Get approved: If you’re offered a loan and you’d like to proceed, simply accept by electronically signing in the contract using an SMS code sent to your mobile phone.
Receive your funds within minutes: We use Real-Time Funding to instantly transfer the funds to your account.
Start your online application and see for yourself. And remember, if you run into any problems with our online application or have any questions about the approval process for our personal loans, we’re here to help. Call our team on 1300 324 746 or contact us online via live chat.
Repaying our loans is just as easy as our online application and approval process.
Once your loan application receives formal approval, we’ll discuss the best way to set up your direct debit payments with you, so you can nominate your payday. You’ll receive a reminder before your first debit is due and if, down the track, you’re worried you’ll have trouble making your next repayment, our team is right here in Australia to help.
You can call us on 1300 324 746 or contact us online via live chat.
Anything. You can apply online in minutes for anything from $5,000 to $10,000, which you can use however you want. Our customers across Australia use our large personal loans for a host of purposes, including:
Whatever you need, we’ve made our loans as easy and affordable as we can, so you can get on with life. No unnecessary paperwork. No nagging doubts over whether you can afford a big loan – we’ve got your back and will only ever approve a loan if it’s in your best interests.
Whatever you want. We’re here to help you get the money you need to get on with life – quickly, easily and responsibly. Our customers across Australia come back to us time and again for low interest medium loans to cover or spread the cost of all sorts of things, such as:
Clothes or school uniforms
Whether you need a $3,000 loan to make some home repairs or improvements, or a $5,000 personal loan to spread the cost of a once-in-a-lifetime holiday, we’re here to structure your loan to suit you. Low interest. Highly personalised. All online. No unnecessary delays.
Anything. You can take out a loan of up to $2,000 to cover one of those emergencies that come out of left-field, or to spread the cost of a must-have purchase. Our customers across Australia use our small loans for a host of reasons, including:
Urgent house or car repairs
Securing a limited-time offer, for instance, on a holiday deal
Buying or replacing clothes or school uniforms
Covering dental expenses or medical bills
Whatever you need your small loan for, we’ll personalise our fees to minimise the cost of your loan. That’s pretty unusual among small loan providers in Australia.
Pretty much anything. Our personal loans are quick and easy online loans for anything from $500 to $10,000 that you can use to cover or spread the cost of unexpected bills, regular expenses, everyday purchases and must-have treats. Some loans may have an early repayment fee if repaid ahead of schedule.
Our personal loans include, but aren’t limited to:
Cash loans: Take out a quick, online loan when you need cash fast.
Car loans: Buy a used car, borrow part of the cost of a new car or pay for car repairs.
Holiday loans: Spread the cost of your next holiday or upgrade your travel plans.
Education loans: Spread the cost of school fees or pay for new uniforms.
Medical loans: Deal with unexpected medical or dental bills or elective surgery.
Vet loans: Ensure your pet gets the care and treatment they need when they need it.
Bond loans: Cover the cost of the bond on your new home or your moving expenses.
Cosmetic surgery loans: Get the cosmetic treatment you want.
Debt consolidation loans: Bring your debts together with one easy-to-manage loan.
We provide quick and easy loans for pretty much everything – we’re here to help you get the cash you need to get on with life, without putting yourself or your household budget under unnecessary pressure. It’s all part of our responsible lending commitment.
At Fair Go Finance we understand your situation is unique to you, and every person is different.
That’s why we’ve made sure our approach to lending takes into account a number of important details, because you are far more than just a score calculated by a credit bureau.
We believe our way is the fairest and best way, because we make sure we’ve considered and understood your whole situation, allowing us to approve responsible loans knowing they can genuinely help you to go forward.
When you’re comparing personal loans and loan providers, there are five key questions you need to ask:
Is the lender a responsible personal loan provider?
Is the website and online application process secure?
Are the personal loan terms and costs transparent?
Does the lender have a good online reputation?
Is it easy to contact the lender and do they answer queries fast?
At Fair Go, we can answer yes to all of these questions.
As a responsible lender, with a firmly established responsible lending commitment, we always act in your best interests. We’re here to give you quick, easy, online access to the personal finance you want, but we’ll never jeopardise your long-term financial well-being.
We’ll always work to minimise your borrowing costs. We’ll never lend you more than you can afford. We’ll always keep your personal details safe – our website and online application have bank-grade security. And we’ll always be upfront about our fixed loan costs, so you can plan and budget without worrying about unexpected fees and costs.
Our interest rates and establishment fees for personal loans are calculated using risk-based pricing. We’re proud to offer our customers interest rates based on their credit rating. The better your score, the lower your rate. This fair approach saves our customers hundreds over the life of their loan.