What will my interest rate be?

We look at a number of different lenders to assess your tailored situation, the interest rate with different lenders varies based on a number of factors, such as credit score and financial history. To find out what your rate will be, get in touch and we can provide you with a quote. It is quick to fill out the form to find out your rate and is completely obligation free.

What are your fees to use one of your personal loan brokers?

For our members we waive the introduction fee up to $900. So, the only fees you will pay are to the specific lender for the loan you choose. We do not charge anything on top to find you the loan.

How much can I borrow?

Our brokers can find personal loans for you from $5,000 to a maximum of $80,000, for either 3, 5 or 7 years. It should be noted however, the maximum amount will depend on a number of factors including your credit history.

Anyone who is over 18 years old and a citizen or permanent resident, currently living in Australia, who is employed and earns at least $20,000 per year (the majority of your income cannot be from Government benefits) can apply.

Does getting a quote or talking to a broker affect my credit score?

When you get a rate estimate from us we access your credit file in a way that is not visible to other credit providers and does not affect your credit score. When you do decide to submit a full loan application to a particular lender. They will do what is called a 'full credit enquiry' which other credit providers can see and which might affect your score.

Personal Loans

Membership Information

Get a personal loan to get away, renovate, or consolidate debts.

Start something great, whether it’s your dream holiday, a home refresh, or just simplifying your finances by consolidating debt we’ve got you covered. At Fair Wealth Australia, personal loans are arranged for you, not the banks.

We don’t lend this money ourselves instead, we act as a broker, working with trusted partners to find the right loan for you. That means no awkward meetings with banks, no endless searching, and no stress.

You may be eligible to borrow between $5,000 and $80,000, with loan terms of 3, 5, or 7 years, subject to lender assessment and approval.

Get a Personal Loan Rate Quote

Features

Loan amounts: $5,000 to $80,000
Flexible terms: Choose 3, 5, or 7 years
Credit scores from 300+ considered
Secured or unsecured options
100% online or in-person, your choice
100% Australian-based support team

Apply Now

Things you should know

You must be employed to qualify
Fund availability depends on your bank's processing times
We’ll always walk you through your options and there’s never any pressure to go ahead unless it feels right for you.
Fair Wealth Australia acts as a credit assistance provider under Australian Credit Licence.
We work with lenders who follow ASIC’s responsible lending obligations, ensuring loans are only offered when they are suitable and affordable for your situation.
All loans are subject to lender approval, eligibility criteria, and responsible lending checks. Interest rates, fees, and terms vary by lender and your individual circumstances. We'll always give you a clear breakdown before you proceed.
Applying for a loan may involve a credit check by the lender, which could be recorded on your credit file.
Want help? Book a chat with one of our specialists no strings attached!
For free guidance on managing debt, visit www.moneysmart.gov.au.

Our Process

1

Get a Quoted Rate

Complete the form to get a quoted rate by providing some quick details online. This will help us identify the lenders best suited for your situation, and secure an estimated rate for your personal circumstance.

2

Review the Quoted Rate

If you like the look of your quoted rate, let us know you’d like to proceed. No obligation!

3

Apply

We will send you a link to complete the rest of your personal loan application. This will ask for greater detail including bank statements to confirm your income and other standard details to help facilitate approval. This is nothing to be concerned about and we can help you with this application.

4

Sign the Documents

Should your personal loan be approved, then we will ensure you have reviewed and understood your credit contract, to then sign and return the document to us for processing.

5

Receive the Money

When the signed documents have been received the money will be deposited into your nominated bank account.

Talk to a lending specialist.

Book a time that suits you to chat to one of our lending specialists so we can answer your questions and understand exactly what you need.

Make an Online Enquiry

Request a quote online.

Or jump straight in and complete the online application form with the aim of fast pre-approval so you can start shopping around with confidence. We'll contact you if we need more information.

Get a Personal Loan Rate Quote