- Home
- Payday Lenders
- Good to Go Loans Reviews
Apply now and have an approval decision within minutes
Associated fees:
20% establishment fee
4% monthly fee
Example Loan Cost:
Borrow $1,000 → Repay $1,560 over 6 months
Borrow $2,000 → Repay $3,120 over 12 months
Best For:
✔ Unexpected expenses (medical bills, urgent repairs, utility bills)
✔ Borrowers needing quick access to small loans
Associated fees:
$400 establishment fee
48% annual interest rate (APR)
Example Loan Cost:
Borrow $3,000 → Repay $5,200 over 18 months
Borrow $5,000 → Repay $7,900 over 24 months
Best For:
✔ Debt consolidation, home renovations, car repairs
Associated fees:
Interest rate varies based on security and borrower profile (starting from ~10% p.a.)
Best For:
✔ Borrowers needing large loans for business, home improvements, or big purchases
✔ Most loans are approved within hours.
✔ Funds are transferred same day for approved applicants before 2 PM AEST.
✔ Secured loans may take longer due to additional verification.
All the information included here on Friendly Finance are accurate and in line with the data provided on Good to Go Loan’s website as of February 2025.
About Good to Go Loans
📌 Founded: 2005
📌 Headquarters: Melbourne, Victoria, Australia
📌 Credit Licence: Australian Credit Licence (ACL) 390620
📌 Regulated by: Australian Securities and Investments Commission (ASIC)
📌 Main Services:
✔ Small Personal Loans (Payday Loans)
✔ Medium & Large Personal Loans
✔ Bad Credit Loans
✔ Car Loans & Secured Loans
About Good to Go Loans
Good to Go Loans is an Australian non-bank lender offering short-term personal loans, bad credit loans, and secured car loans to borrowers needing fast approvals and same-day payouts. They cater to a wide range of customers, including Centrelink recipients, self-employed individuals, and borrowers with bad credit.
Unlike traditional banks, Good to Go Loans considers applicants who may have been rejected elsewhere due to poor credit history. Their lending model provides quick access to financing with flexible repayment terms, although fees and interest rates can be high.
Good to Go Loans: Eligibility Requirements
The application process for Good to Go Loans is done through the company’s website or you can also easily apply for a loan using this form. To process your loan application, you need to pass Cash Stop's eligibility requirements:
- Residency: You need to be an Australian citizen or a permanent resident of Australia.
- Age: You must be at least 18 years old to apply for a loan.
- Income: Good to Go Loans require applicants to have a regular and stable source of income. This can be from employment, self-employment, government benefits, Centrelink payments, or other forms of income.
- Bank Statements: Applicants will need to provide their bank statements to assess their income and spending habits.
- Affordability: The loan amount requested should be affordable for you to repay comfortably.
- Credit History: While Good to Go Loans provides loans for people with bad credit, they will still consider your credit history as part of the application process.
- Debt Obligations: The lender will assess your existing financial commitments to ensure the loan will not put you in financial hardship.
- Valid Contact Information: You should have a valid email address and contact number for communication purposes.
Meeting these eligibility criteria does not guarantee loan approval, but it indicates that you meet the minimum requirements to be considered for a loan with Good to Go Loans. It’s essential to provide accurate information during the application process to increase your chances of approval.
Fast Approval Process: Good to Go Loans may offer a quick and straightforward application process, with approvals often provided within a short timeframe.
Flexible Loan Options: They might offer various loan types and borrowing options, catering to different financial needs and situations.
Bad Credit Consideration: Good to Go Loans could be more lenient towards individuals with less-than-perfect credit scores, providing opportunities for those with bad credit histories.
Small to Medium Loan Amounts: They may specialise in offering smaller to medium-sized loan amounts, suitable for short-term financial requirements.
Repayment Terms: Good to Go Loans might provide flexible repayment terms, allowing borrowers to choose a suitable repayment schedule.
Online Application: Applicants could have the convenience of applying for loans online, making the process more accessible and efficient.
Personalised Service: They might offer personalised customer service, assisting borrowers in finding the right loan option for their needs.
No Hidden Fees: Good to Go Loans may pride themselves on transparency, ensuring all fees are disclosed upfront to avoid surprises later.
The Company: Good to Go Loans
There are some positives and negatives for prospective borrowers to consider before using Good to Go Loans as an online lender. As part of the reviewing process for this page, customer feedback and common questions answered on the company website were considered for the overall assessment.
Positives
- Quick and Easy Application Process
- Acceptance of Bad Credit
- Responsive Customer Service
- Transparent fees
Negatives
- High-Interest Rates
- Strict Repayment Terms
- Limited Loan Options
