Small Loans
At Fair Wealth Australia, we understand that managing everyday expenses is tough, especially when the cost of living keeps climbing. That's why we offer small loans of up to $3,000 with fair terms tailored to your situation. Our tailored rate approach allows you to get some of the lowest fees in Australia, helping you access the funds you need without added financial pressure. As a non-profit organisation and a regulated credit provider, our mission is to provide accessible, ethical lending, not to profit from your financial stress.
Borrow up to $3,000 interest-free with repayments tailored to your situation.
We offer competitive, personalised rates based on your financial situation. As a non-profit, we can keep our fees fair, just enough to keep us running, never to take advantage.
We look at more than just your credit score.
Your credit score is just one part of the story that’s why a real person reviews every application, looking at your whole situation, not just the numbers.
No hidden fees or nasty surprises.
You'll always know exactly what you're paying. All fees and charges will be clearly disclosed in your loan contract before you sign. There are no early payout fees or unnecessary charges just honest lending designed to help you get ahead.
Fast, friendly, and fully online.
It usually takes around 10 minutes to apply. If your application is approved and finalised before 4 PM on a business day, you may receive the funds on the same day. You can apply online, over the phone, by mail, or in person whatever works best for you. Got questions? Our friendly, Australian-based team is here to help.
When you apply for a loan with us, you're talking to real people who care. Whether you're a member or a family friend, you'll always get personalised, respectful service just as it should be.
Features
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Loans up to $3,000
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Tailored rates:
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Establishment fee: 12–20% (max $400)
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Account-keeping fee: 2–4%
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Interest-free
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Flexible loan terms up to 12 months
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No automatic declines every application is personally reviewed
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All credit scores are considered
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Same-day payments are possible if approved and processed before 4 PM on weekdays - subject to your bank's processing times
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No early payout fees save on account-keeping fees if you repay early
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Payroll deduction is available for the railway industry
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100% Australian-based support team
01
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.
02
Sign the Contract
If approved, we'll send your contract. Review it, sign it, and return it to us.
03
Receive your Funds
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.
Things to know
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You must be employed to qualify
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Fund availability depends on your bank's processing times
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Fair Wealth Australia remains committed to meeting our obligations under ASIC’s Responsible Lending regulations, as outlined in Regulatory Guide 209.
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Fair Wealth Australia is a registered credit provider and complies with the National Consumer Credit Protection Act 2009 (NCCP), including responsible lending obligations.
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Taking on credit may affect your credit rating and ability to access credit in future. Always consider whether this loan is right for you.
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For more information about borrowing and managing debt, visit www.moneysmart.gov.au.
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.
Frequently Asked Questions
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