Frequently Asked Questions


How can I contact you?

Phone: 0800 227 484
Fax: 0800 001 477
Email Address:
Postal Address: PO Box 11187, Ellerslie, Auckland 1542

What are your Opening/Processing Hours?

We are open during standard business hours:

Monday:         8.30am – 5.30pm
Tuesday:         8.30am – 5.30pm
Wednesday:   8.30am – 5.30pm
Thursday:       8.30am – 5.30pm
Friday:            8.30am – 5.30pm

Unfortunately, we do not operate on Public Holidays.

All supporting documents must be received no later than 4.00pm in order for us to process your application on the same day.

If you apply for a loan over the weekend, your application will be reviewed on the following business day.


How do I qualify?

To pre-qualify, you need to meet at least the below criteria:

-You need to be at least 18 years old and a NZ citizen or resident currently living in New Zealand;
-You need to have been permanently employed with the same employer for at least 3 months and you need to be earning at least $350 a week (after tax) excluding government benefits;
-Your pay needs to be credited on a regular basis into your own NZ bank account that has been open for at least 3 months;
-You are not currently Bankrupt, under a No Asset Procedure or Summary Instalment Order;
-You have access to the Internet and a mobile phone.

Please note this is a guide only – in certain circumstances we may not be able to offer you a loan.

Can I apply if I am unemployed?

You need to have been permanently employed for at least 3 months and earning at least $350 a week (after tax) excluding government benefits.
We can only lend money to working New Zealanders who could repay the loan without experiencing financial difficulties.
You wouldn’t qualify for a cash loan with us if you are:

-Under ACC
-A Beneficiary
-A Disability Beneficiary
-A Pensioner
-A Student

Can I apply if I am self-employed / working part-time?

As long as you receive a regular income of more than $350 a week (after tax) excluding government benefits, that is directly deposited into your NZ bank account, you may still be approved. However, we review these on a case-by-case basis and are at our discretion.

Can I apply if I am a beneficiary?

Provided you have a regular full time paid job in addition to your benefit and your salary/wages is your main source of income, you may still qualify for a loan – however, we are unable to help if you are on a benefit only. We are mindful of ensuring any loan will be able to be repaid without causing undue hardship.

How many loans can I have at any given time?

We will only approve one loan at a time.

How much can I borrow?

You can apply for as little as $5,000 to a maximum amount of $100,000.

Please note that the maximum amount is partially based on your income after expenses. As a responsible lender, we will only lend up to a percentage of your regular income - partially based on how much you earn and how much you have left after expenses. This loan affordability check will form part of your online application process.

Can I apply for a cash loan over the phone?

Unfortunately, not. We require that all loan applications be submitted online, via this website. The online application ensures accurate information is relayed to us, which allows for speedy processing of your loan application. Please contact us if you are having issues on our website, we will be happy to assist you.

What if I am paid with cash?

Your pay must be deposited directly into your own NZ bank account.

I have bad credit history - can I still apply?

If you have had issues with your credit in the past – such as defaults, judgements and collections – you may still be approved for a loan as we mainly look at your current ability to repay it.
We can normally assist if we know the circumstances, in most cases we could still help or we may require additional security. If you do not have the security required we may need to add a guarantor to the loan. The guarantor will be responsible for the loan if you do not pay.

However, your application will be declined if you are currently bankrupt or have come off bankruptcy or SIO within the last 6 months.

Can I use a joint bank account?

You can use a joint bank account, as long as your name is on it and we can clearly see your wages / salary being paid to that account and you confirm it is a one signature signing account.

When can applications be made?

An application can be made online by you at any time, 24/7. You do not have to wait for anything to apply for a loan with us. However, we will only be able to process your application during standard business hours.

How long is my loan application valid for?

An online application submitted through our website stays valid for 5 working days.
If we do not receive all required documents by the morning of the fifth working day, then your application will be cancelled. 

We make several contact attempts via phone call, email and text during the 5 working days your application is valid to follow up on any missing documentation we require to process the loan.

How long will it take for me to get the money?

At this stage, we can only offer one payment type:

Overnight Payment: (Standard and Free of charge)


How do I apply?

The whole application process is done online. This means you will need to have internet access, your own mobile phone and your own NZ bank account number to apply.

Once you have decided what term, amount and number of repayments you would like, click the Apply Now and fill out our online application form.
If you have filled this out you will then receive a call from one of our helpful staff outlining the short set of documents we require to process your application.

Supporting documents include; latest 90-180 days of bank statements, a valid photo ID, selfie and recent proof of address to process your application.

Once our lending team have received your documents, they will process your application and will provide you with an outcome shortly thereafter.

Do you do credit checks?

Yes, for loans of this size and duration we do need to do a credit check to assess and ensure the affordability of your repayments. However, this is only a part of our loan application review process and is not the only information we consider.

Do you contact my employer or payroll department?

Yes, as responsible lenders and to ensure you can afford our loans we may call your employer to verify any information provided during your application process.

We normally only do an anonymous call to your employer during the application stage, but we reserve the right to do a full employer check. This may include contacting your payroll to request any information which may help speed up the processing of your loan application. 

Should you default on your loan, your referees and employer may be contacted, but usually only if we can't contact you or make a suitable repayment arrangement.

What paperwork do you need?

You can fax or scan and email the following to us:

-Latest 90-180 days of bank statements
-Valid Photo ID (Passport, NZ Driver's Licence or Firearm’s Licence)
-A selfie of you holding your Photo ID
-Proof of address (less than 3 months old)
-Any other document we may request to be able to validate the information provided by you

Why do you need all that information on the application form?

We need basic information from you to confirm details, and administer the loan responsibly. 

The most important information we require is:

-Your income details: So we can ensure you are only borrowing an amount you can afford to repay!
-Pay cycle and the date of your next pay: This allows us to set up your direct debits correctly.
-Your physical home address: To confirm your residence in New Zealand.
-Employment status: To help us confirm your eligibility, as without a job we cannot lend to you!

How long does it take to get approved?

We strive to review all loan applications within 1 hour of getting all the required paperwork from you (8.30am – 4.30pm, business days only).
Any delays in getting your paperwork to us will delay the processing time.

How long will it take to receive my loan?

If your loan application has been given final approval, the money will be transferred into your bank account overnight (Monday to Friday excluding public holidays).

I applied for the wrong amount/dates - what do I need to do to change it?

If you have changed your mind on the amount that you require, you will need to contact us as soon as possible within the 5 working day period your application has been open. However, if the amount you are requesting is more than your personal application limit or more than we can fund then your application may be brokered out to one of our external lenders.

How can I get my paperwork to you?

You can scan or take photos of the documents with your smart phone and email them to us, upload them using our online upload facility or fax them to us.


What if I want to cancel my loan?

You have a cancellation period of 9 working days after you you have received your disclosure documents. You must notify us in writing and return to us any advance and property received by you under the contract. Please read the section "RIGHT TO CANCEL" in your contract for your full rights and obligations if you want to cancel your loan. 

How do I repay my loan?

It’s easy - we set up an automatic direct debits for your convenience, to make deductions from your bank account when you get paid. 
You have to ensure the required cash is available in your bank account as agreed. The total due will then be deducted from your bank account automatically on the repayment date(s). The dates are typically aligned with your payday. All payment dates will be clearly stipulated in your loan agreement.

Can I repay the loan early?

Because we are a responsible lender, we encourage you to repay your loan as soon as possible. As interest is calculated daily, it is usually in your best interest to make repayments as funds become available to you. We will set up an automatic direct debit on your bank account to match your pay date. Early repayment can be made at any time. See our cost of borrowing on what the early repayment fee will cost . Feel free to contact us to arrange an early repayment.

What if I am unable to make a repayment on a due date?

You will have to contact us as soon as possible (at least 24 hours before the due date) and we will see what we can do to help – adjustments are looked at on a case-by-case basis. We must be notified at least 24 hours before the day that your direct debit is due; otherwise we cannot guarantee that the payments can be amended.
There is a small fee for this as set out in your loan contract. Please note: We cannot do adjustments on first loans and are unable to do more than one adjustment on Monthly paid clients.

What happens if I default?

Fees will apply for defaults (missed or failed payments) and will be added to your existing loan balance. You can find information on these fees in your loan contract or on our cost of borrowing page. 
If you contact us early to arrange a make-up payment, we may be able to waive some of the default fees and interest.


Is security required for these loans?

Yes, our loans are secured which means we require security to set your loan against. We can either accept motor vehicles or property as security. If you do not personally own security, we can add a guarantor to the loan if they have suitable security and they are happy for us to use it.

What is the cost of your insurance?

The cost of the above policies vary depending on the size of your loan, the year and mileage of your vehicle and your driving history. Please contact us today for a quote.


Is FairGo Car Loans a responsible lender?

FairGo Car Loans is an honest online lender committed to responsible lending. We are a NZ government registered lender and our registration number is FSP298566. We check every loan application against a set of strict responsible lending criteria to ensure the affordability and suitability of the loan.

I can't open my documents

You may need a PDF Reader installed on your computer - you can download it for free from

Is your online Bank Verification tool safe and secure to use?

We provide a 256-bit bank level encryption of data, creating a ‘read only’ service – this means we cannot make any changes or transactions on your accounts. Once the data has been loaded, the connection to the bank is closed immediately.

We have also had our service independently tested by an industry leading security service.

We do everything we can to ensure that only the best level of security is safeguarding your important information.

What do I do if I have repayment difficulties?

You should contact us as soon as you can; as default fees and/or default interest will apply for missed or failed payments. 

I have a complaint

We strive to provide a quality service to all of our customers. However on occasions things don’t always go smoothly, but don’t worry we will endeavour to put things right.

As a responsible lender, we are a member of an independent dispute resolution scheme operated by Financial Services Complaints Limited (“FSCL”) and approved by the Ministry of Consumer Affairs. 

Please click here to contact us for information on our complaints process and details on our independent dispute resolution scheme.

I wish to make an Unforeseen Financial Hardship application

You are eligible to apply for unforeseen substantial financial hardship if:

1. You have not been in default for more than 2 months; and
2. You have not missed 4 or more payments; and
3. You have not previously applied for hardship in the last 4 months (unless your current application is due to materially different reasons than the last application); and
4. The cause of your financial hardship was NOT reasonably foreseeable to you at the time you took out the loan.

Please click here to contact us to request our financial hardship application form and guide.

Once submitted, you should receive our PDF application and guide within 48 hours.