Online Loans

An online loan is a type of personal loan that you can apply for and manage entirely online. This means you can complete the entire process from the comfort of your home, without needing to visit a physical branch. Online loans are designed to be faster and more convenient than traditional loans, with many lenders offering same-day or next-day funding. At Fair Go Finance, we provide a variety of online loans, including personal loans, cash loans, and payday loans, all of which can be applied for and managed online. Whether you need a small cash loan for an emergency or a larger personal loan for a significant expense, our online loan options are here to help.

Smart and savvy customers from across Australia come to us for online loans to cover or spread the costs of all sorts of purchases, investments and unexpected bills.

From car loans to medical loans to loans for school fees. From wedding loans to debt consolidation loans to online loans for cosmetic surgery. Whatever the reason for your loan, we’ll ensure you get a fair go, even if you have a less than ideal credit history and need a bad credit loan.

Find out more about our small fixed fee loans ($500-$2,000), our medium personal loans ($2,000-$5,000) our large personal loans ($5,000-$10,000) and our car loans ($5,000 – $20,000).

1. 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.

2. 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.

3. 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.

4. 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.

Our smart online loan application process means you can apply for our entire range of loans from anywhere in Australia. It’s quick, easy and secure – and we mean bank-secure – saving you time and stress, with a paper-less application that makes printing, scanning and signing a thing of the past.

Depending on how much you’re able to borrow, you can repay your loan over the course of anything from three months to three years. We aim to give you as much flexibility as possible, as well as highly personalised and competitive rates, so you can minimise your borrowing costs, without putting yourself or your budget under unnecessary pressure.

Learn more about our small fixed fee loans, our medium personal loans and our large personal loans. Call our team on 1300 324 746 or contact us via live chat for more information about our online lending requirements.

Taking out a big personal loan doesn’t have to be a big hassle. See for yourself. Apply for your large personal loan online.

And crucially, there are no early pay out fees, so you can pay off your short term loan sooner if you like, once again minimising the cost of your loan.

All of our small, medium and large online personal loans have fixed rates, so your repayments will never change. This makes it easier to plan and manage your budget, ensuring you don’t put yourself under needless financial stress.

That’s what it’s all about for us. As Australia’s largest non-bank online lending company, we work hard and smart to ensure you get a fair go. We’ll never lend you more than you can afford to repay and we’ll do everything we can to minimise your borrowing costs, so you can get on with life, without risking your long-term financial wellbeing.

We’ve become one of Australia’s largest non-bank online lending companies by thinking innovatively and making the online loan application process fast, easy and secure for our customers across the country. But it goes beyond our proprietary online application.

If your application is approved, which usually happens the same day you submit your application, you can agree to our loan offer via SMS. No printing, signing or scanning.

And as part of our online application process, you will access our free and secure bank statement service. Provided by illion Open Data Solutions, the service means we can securely access your recent bank statements (necessary to progress your application) online, keeping your application moving and your personal details safe at all times.

We even make repaying your loan simple, with direct debits arranged for your nominated payday. We’ll send you a reminder when your first debit’s due. And remember, if you think you’ll struggle to make your next repayment, we’re just a call, email, live chat or Facebook message away.

How much you are eligible to apply for will depend on your current financial circumstances and requirements. As a Responsible Lender we want to make sure your loan is affordable for you, so we will always need to complete your assessment first before we can provide you with the loan amount you’re eligible for. Loans for bad credit are available to cater to diverse financial situations and urgent needs.

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.