Fair Go Finance – review 2026
Pros
- Considers applicants with significant credit impairments
- Focuses on current repayment capacity rather than credit history alone
- Same-day funding available
- Operating since 2006 with established track record
- ASIC-licensed with responsible lending obligations
Cons
- Rates among the highest in the personal loan market
- Maximum AUD 10,000 limits use for larger expenses
- Short maximum term of 36 months
- Total credit cost can be very high for longer terms
- Not a suitable long-term debt solution
Fair Go Finance Review
Fair Go Finance has operated in the Australian subprime personal loan market since 2006. It focuses on borrowers who have experienced financial hardship, late payments or defaults and are rebuilding their credit. Loans range from AUD 500 to AUD 10,000 with terms from 12 to 36 months.
The lender assesses applicants primarily on their current income, expenses and ability to repay rather than relying solely on historical credit scores. This approach is consistent with the responsible lending obligations under the National Consumer Credit Protection Act 2009 but allows greater flexibility in credit history assessment.
Requirements
- Australian citizen or permanent resident
- Minimum age 18 years
- Regular income of at least AUD 400 per week
- 100 points of ID required
- Active Australian bank account held for at least 90 days
Information in this review is based on publicly available sources and is for informational purposes only. Finatino.com is not a financial product broker. Before signing any contract, we recommend reading the provider's terms and conditions.