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5 Tips To Help You Find A Bad Credit Loan
If you need a loan but have experienced bad credit, here’s some tips and helpful info to give you the best chance to be approved.
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Learn about the loans we provide.
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Key Information
Fair Go Finance is licensed to provide loans and leases under the National Consumer Credit Protection Act 2009 (NCCP Act). The NCCP Act regulates the activity of lending, leasing and finance broking.
Internal Complaints Officer contact details
Paul Walshe, 1300 324746
External Dispute Resolution Scheme contact details
Australian Financial Complaints Authority (AFCA) T: 1800 931 678 E: info@afca.org.au W: www.afca.org.au (Member ID: 36979)
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Why we ask for your Information
Under the NCCP Act, we’re obliged to ensure that any loan, lease or principal increase to a loan we arrange for you is not unsuitable for you.
To determine this, we will ask you some questions. The law requires us to:
Make reasonable inquiries about your requirements and objectives.
Make reasonable inquiries about your financial situation.
Take reasonable steps to verify that financial situation.
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How we Assess your Application
We may decide that credit is unsuitable if – at the time of the assessment – it seems likely that it doesn’t meet your requirements and objectives. Or if it’s likely that you couldn’t pay or could only pay with substantial hardship.
For these reasons, we might ask you for a lot of personal information. It’s vital that the information you give is accurate.
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Accessing your Credit Assessment
You can request a copy of the credit assessment of your application within seven years of the date of the loan contract, lease contract or principal increase. But we’re only required to supply it if a loan or lease contract is entered, or the credit limit is increased.
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Our Internal Dispute Resolution Scheme
We’re continually improving our customer service and take complaints seriously. If you have a complaint, you can let us know by:
Calling our Complaints Officer on 1300 FAIRGO or speaking to any of our representatives
Emailing us at complaints@fairgofinance.com.au
Write to us at PO Box Z5302, PERTH ST Georges Tce Post Shop, 66 ST Georges Terrace, PERTH WA 6000
We aim to resolve complaints quickly, so you feel satisfied and they don’t escalate further.
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Our External Dispute Resolution Scheme
If we’re not able to reach an agreement on your complaint, you can refer it to an ASIC Approved External Dispute Resolution (EDR) Scheme, listed above.
External dispute resolution is a free service, giving you independent help to resolve complaints. To learn more about our dispute resolution process or details of our privacy policy, get in touch.
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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.
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.
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