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Working Woman

Small Loans

Quick cash for when you or your family and friends need it most. 

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

However, we know that sometimes surprises can occur, or you can get behind in your bills, or you need some cash to make a much-needed purchase. That's when you can have us help you secure a Small Loan between $300 and $3,000. When times get tough, our members can always turn to us.
Stacks of Coins

Up to $3,000 same day in some circumstances.​


We're here to help our members and their friends or family, when times get tough by arranging small loans up to $3,000. 


  • You can apply online or in person  

  • 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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