Loans for Fair Credit Sydney - Looking for an instant loan in Sydney?
If you're in Sydney and need fast access to cash but have fair credit, Fair Go Finance is here to help. Our instant loans are designed for borrowers with fair credit, offering a quick, transparent process to get the funds you need without the stress of hidden fees or lengthy paperwork.
Calculate your repayments
What this means for you...
- Interest Rate p.a.
- 29.9%
- Comparison Rate p.a.
- 41.64%
- Total Repayment
- $4,212.51
Your 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
Disclaimer
*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.
How it works – quick simple and online
We’ve simplified the process to make sure you can access funds quickly, even if your credit isn't perfect.
Complete Our Online Application
It takes just a few minutes. Avoid paperwork by applying entirely online through our secure platform.
Quick Approval
Our decision engine reviews your application and gives you a response in minutes.
Cash in Your Account
Once approved, your money can be deposited into your account within 15 minutes.
Loans for Fair CreditWho Can Apply for a Loan in Sydney?
At Fair Go Finance, we provide personal loans to residents of Sydney from a variety of financial backgrounds, including those who don’t have the best credit.
To qualify, you simply need to meet the following criteria:
Be at least 18 years old
Be an Australian resident
Have a regular source of income (from employment or government benefits)
Provide valid ID and bank account details
Even if your credit score is low, we’ll focus on your current financial situation, so you may still be eligible for a personal loan.
Why Choose Fair Go Finance for Personal Loans in Sydney
Quick Approval: Get approved in as little as 30 minutes.
Same-Day Cash: Receive funds within minutes of approval.
Flexible Loan Options: Borrow amounts ranging from $500 to $10,000.
No Hidden Fees: Transparent terms with no surprises.
Available Across Sydney: Whether you're in the CBD or suburbs, our online application makes it easy to get the cash you need fast.
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.
Examples
$1,350 | $3,600 | $6,900 | |
Average Term | 8 months` | 13 months | 18 months |
Average repayment per week | $48 | $90 | $119 |
Establishment Fee | $265 | $627 | $595 |
Monthly Fee | $50 | $11 | $14 |
Interest Rate Per Annum (APR) | N/A | 27.49% | 21.90% |
Comparison Rate | N/A | 60.61% * | 28.87% ** |
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.
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.
Personal Loans for Fair Credit SydneyWhat Can You Use a Loan For?
Our loans for fair credit in Sydney can be used for a variety of purposes, such as:
Emergency car repairs
Medical bills
Home repairs
Debt consolidation
Unplanned travel
Anything you need
How We Help You Build Credit
How We Help You Build Credit
At Fair Go Finance, we don’t just offer loans – we want to help you improve your financial future. If you’re worried about your credit score, we’re here to help you get back on track.
What’s in a Credit Score?
Your credit score is a number that shows lenders how you handle money. It’s based on things like:
Your credit history (have you paid your bills on time?)
If you’ve ever missed payments on loans or credit cards.
Your personal details like your name, address, and date of birth.
If you’ve never borrowed money before, you might not have a credit score, which can make it harder to get a loan. But that’s where we come in!
How Fair Go Finance Helps Your Credit
When you borrow from us and make your repayments on time, we report this good behaviour to credit bureaus. This can help improve your credit score over time, making it easier for you to get loans in the future. Start small, repay on time, and you’ll be on your way to better credit health.
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.
How can we help you?
Below you’ll find answers to the most frequently asked personal loan questions