Looking for an unsecured personal loan?

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.

We offer both secured personal loans and unsecured personal loans. It really depends on your personal circumstances which option is right for you. For instance, if you have a less-than-ideal credit history, it may be that you need to take out a secured loan. An unsecured personal loan, on the other hand, does not require collateral but may come with higher interest rates and specific eligibility criteria.

If you’re worried that your credit score may prevent you from taking out a personal loan, don’t worry. We help lots of people with poor credit ratings get the loans they need and get their credit history back on track. Find out more about our bad credit loans.

If you’re at least 18 years of age, a permanent Australian resident and in regular paid employment, then you’re eligible to apply for an unsecured loan.

Depending on your income and financial obligations, you can borrow up to $10,000 – we’ll personalise your loan’s rates and terms to maximise your borrowing power and minimise your borrowing costs, ensuring you never take on more than you can afford.

Worried your bad credit history will cause problems? We’re here to help you find a way forward. We often help customers with bad credit scores get the loans they need and get their bad credit rating back on track. Call our friendly team on 1300 324 746 or contact us via live chat to find out more about our bad credit loans.

It depends. It may be that a secured loan is a better option, enabling you to get the cash you need to get on with life and helping you turn your bad credit score around.

Either way, don’t let your bad credit history stop you from applying for an unsecured loan. Contact our friendly team on 1300 324 746 or via live chat and we’ll be able to advise you on the best way to get the cash you need. Alternatively, learn more about our bad credit loans.

We can’t promise instant approval, but it’s super fast.

Using our free and secure bank statement service to fast track everything, you can complete your application and get a decision in minutes. Then, our team may contact you to complete your application assessment. Assuming you’re formally approved, we can transfer your funds directly to your account, usually overnight.

See how fast and easy it is for yourself. Apply for your unsecured loan and get an almost instant provisional decision.

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.

Secured loans generally enable you to secure better interest rates or repayment terms because the asset you’re using as collateral (say, the car you’re buying and using as security) can be used to pay off your loan if you default (fail to make your repayments).

If you’re unsure whether a secured loan or an unsecured loan is right for you, contact our team on 1300 324 746 or via live chat. We’re here to help you get the cash you need and minimise your borrowing costs. That’s what it’s all about for us – helping you get a fair deal and get ahead.

At Fair Go, we’re here to ensure you get a fair deal on your personal loan. That’s what our responsible lending commitment is all about. It’s there to give you peace of mind knowing that, as one of Australia’s largest non-bank personal loan providers, we’ll always do the right thing by you.

That’s why we personalise our rates and terms of our personal loans, ensuring we minimise your borrowing costs. It’s why we offer a range of repayment terms (three months to three years), so you don’t put yourself or your household budget under unnecessary stress.

It’s also why we provide fixed interest unsecured loans, so you know what you’re committing to upfront, making it easier to budget for the future. And we never charge early payout fees – if you can pay off your loan sooner rather than later, you can save yourself some money.

Our unsecured loans are personal loans ranging from $500 to $10,000 that don’t require any security or collateral (for instance, a car or another asset) like secured loans. Our online application system makes getting an unsecured loan quick and easy, with an almost instant conditional decision.

Assuming you’re formally approved for an unsecured loan, you can use your cash for pretty much anything, from covering or spreading the cost of unexpected bills, to paying for a family holiday.

Got a bad credit history? Don’t worry, we help lots of people with bad credit scores get the personal loans they need. It may be that a secured loan is a better option for you. Find out more about our bad credit loans or contact our friendly team on 1300 324 746 or via live chat.

An unsecured personal loan can be used on whatever you like! Whether that be household bills, new car tyres, school fees or more, you can spend the money on any personal need you may have.

A secured car loan uses an asset, like a car, as security for the loan. An unsecured car loan has no asset used as security against the loan, increasing the risk for the lender.

If you default on your payments with a secured loan and the situation is escalated, the car can be repossessed to repay the loan. With an unsecured loan, if the loan goes into default, there is nothing that can be repossessed to repay the loan.

Here at Fair Go Finance, if you apply for a car loan of $5,000 or more, it will be classed as a secured loan and your vehicle will be used as security.