Small Personal Loans What Makes our Small Loans Cheaper? Our Lower Prices of Course.

Australia’s fairest online small loans. Our tiered fees are tailored to your credit profile. So, unlike our small loan competitors, you can pay less with us.

Calculate your repayments

$3,000
12 Months

What this means for you...

Interest Rate p.a.
23.31%
Comparison Rate p.a.
54.3%
Total Repayment
$4,163.94
All rates & fees

Your minimum weekly repayment*

$80.08

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 23.31% (Comparison Rate of 54.3%). 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.

Low cost

Tiered fees. Lower costs.

Easy

Apply securely online in 6 minutes.

Transparent

No early payout fees or nasty surprises.

Small LoansCheck Out the Fairest Small Personal Loans in Australia.

In a small loan market swamped with lenders promising ‘cheap small loans’ and ‘low interest loans’ we prefer to let our tiered fees and satisfied customers across Australia do the talking.

When you apply online for one of our small personal loans, you can relax knowing you’ve got a fair deal. And, as one of the largest non-bank lenders in Australia, our responsible lending commitment means we always do the right thing by you. We’ll never lend you more than you can afford and, thanks to our tiered small loan fees, our lower prices help minimise the total cost of your loan too.

At Fair Go Finance we’re here for you long term, not just to meet your short-term loan requirements. That’s why we also provide lower rates and loyalty benefits to our returning customers.

Loan Calculator

Rates (APR), fees & features

Loan Amounts

$500 - $2,000

Avg. Term

3 - 12 months

Establishment Fee

$60 - $400

Monthly Fee

$15 - $80

Interest Rate (P/A)

N/A

Comparison Rate

N/A

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.

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.

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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How Can We Help You?

Below you’ll find answers to the most frequently asked Small Loan questions