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Loan up to $3,000 and get a tailored rate

Staying on top of your everyday expenses is a sure way to maintain a healthy mind.

As a non-profit organisation, our aim is to keep the costs of borrowing low when the cost of living is so high. That way we can help you when you need it most with a small loan. 

Our tailored rate approach allows you to get some of the lowest fees in Australia. 

Our Establishment fee ranges between 12-20% (maximum of $400) and our account-keeping fee is between 2-4%. 
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Non-profit small loan provider

We're one of the few non-profit lenders in Australia and we are here to help by keeping our repayments and fee structure fair and manageable. Apply today for your tailored rate.


  • Tailored rates for establishment and account keeping fees 

  • We are a not-for-profit and reflect that in our price best we can

  • Flexible terms up to 12 months 

  • No automatic declines. Our team reviews every application

  • All credit scores considered 

  • Same day payment if before 4pm on weekdays.

  • Payout early with no additional fees. Also, save on the monthly account keeping fee if paid out early 

  • Payroll deductions available for the railway industry 

  • Australian located business so you’ll always speak to a local team member. 

Things you should know 

  • Our priority is responsible lending so we will not give you a loan you cannot afford. 

  • We are unable to approve your loan if you are unemployed 

  • Availability of funds is subject to your bank’s clearance times 

Talk to us​

If you need assistance, feel free to click the button below to complete an enquiry form, or give us a call on 02 9633 1670 to have a chat. You can always then book an appointment in our office too. Whatever works best for you. 

Apply online now

The online application only takes about 10 minutes if you have your documents ready. Check out the FAQs below to see what documents are required.  We aim to to get you fast approval so you can get the cash you need as soon as possible. We'll contact you if we need more information.

Why members (and their friends and family) get a fast small loan from Fair Wealth Australia. 

Low Fees
The Small Loans we source for members charge only half or so of what typical 'pay-day' lenders charge. This is because, as a not-for-profit, our membership model is not profit driven, and that translates directly into lower costs for members.

Australian Based Team
We have an experienced, Australian based team. At every step of the way, you’ll talk to a real person from as one of our lending specialists who are here to help you or your family member or associate as they seek out a great loan.

Support the membership
Taking a loan from Fair Wealth Australia puts money back into the organisation rather having it go to a commercial lending business of which you have no real affiliation. That money can then help other members with grants, counselling, donations and more.

Get fast answers
For both our home and car loans, you can find out if you pre-qualify in just minutes. The application process is simple, online, plus we’re here to help at each step of the way..

Our process is simple for members, and their friends and famly. 

Step 1 - Apply Online
Complete our online loan application making sure to a attach the required documents. You may need to speak to one of Small Loan specialists should you need assistance.

Step 2 - Sign the documents
Review the contract and sign should you approve

If your loan has been approved, review your credit contract, sign and return the document.


Step 3 - Receive the money
Advise us of your account so we can send the money
Accept our direct debit request or payroll deduction form to set up payments so we can transfer the funds into your account on the same day.

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