Short Term Loans
Highly personalised short-term loans with fast and secure approval. Low interest. No early payout fees.
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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.
Smart, Responsible Short Term Loans.
As one of Australia’s largest non-bank personal loan lenders, we pride ourselves on providing loans the right way. Easily. Responsibly. Innovatively.
For short term loans, that means personalising our loans and low interest rates to suit your unique circumstances, ensuring the loan meets your needs and that the repayments are affordable. It also means achieving a fair loan decision by thoroughly evaluating your financial situation.
As a responsible lender, we assess various factors, including credit history and income, to ensure our loans are affordable and tailored to your specific needs.
It means working with you to secure a competitive low interest rate, whether you have a good or less-than-great credit score. It means allowing you to pay your short term loan off early, without being penalised. And it means making it as easy as possible to apply for your loan then repay it. Once approved, your loan will be swiftly transferred to your bank account, ensuring quick access to funds.
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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.
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.
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 Hou?
Below you’ll find answers to the most frequently asked short term loan questions.
Short terms loans are simply quick personal loans that help you cover an unexpected emergency or temporary blip in your finances or cashflow.
Borrow up to $10,000 at a competitive low interest rate.
Choose a secured short-term loan or an unsecured loan.
Enjoy peace of mind. Our loans are structured and personalised, so you know you can pay the loan back quickly at a competitive low interest rate, minimising the cost of your loan.
You can use short-term loans for pretty much anything. Our customers generally use them for things like:
Unexpected bills or expenses (like medical or vet expenses)
Spreading the cost of big-ticket education items (for instance, to pay school fees)
Unforeseen house or car repairs.
Our short term loans are just that – short term. We structure them to be repaid over the course of 3-12 months, giving you the temporary cash boost you need, while minimising your borrowing costs.
And crucially, there are no early payout fees, so you can pay off your short term loan sooner if you like, once again minimising the cost of your loan.
Yes, you can. What’s more, because we personalise our loans and rates, we’re able to offer you highly competitive low interest rates, even if your credit score isn’t what you’d like it to be.
At Fair Go, we do things the right way. That means we’ll work with you to ensure your loan is structured to suit you and your circumstances, so you won’t get caught out.
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.
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.
For ID, you’ll need to provide details of either your:
Driver’s licence or
Medicare card
You’ll also need to use our secure online bank statement service to submit three months of statements.
Our free online bank statement service, provided by illion Open Data Solutions, allows you to share your bank statements with us, quickly and securely.
Quick and easy to use.
No need to fax or email your statements.
We can assess your loan quicker.
Don’t worry, your bank account is completely secure. We’re only able to view your account history (in read-only format). All data is securely handled in accordance with the Privacy Act (1988) (Cth) and our privacy policy and illion Open Data Solutions’ privacy policy. Check out our FAQs for more information about this service.
Yes, and we won’t charge you early payout fees either!
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 usual waiting time to receive your loan application outcome is between 24-48 working hours.