Good to Go Loans is a Sydney-based lender that offers small loans between $500 and $5,000, as well as personal lines of credit and car and business finance.
How does Good to Go Loans work?
Good to Go Loans offers cash loans from $500 to $5,000, with repayment terms up to one year for loans under $2,000 and up to two years for loans between $2,001 and $5,000, in line with government regulations.
The application process is completed entirely online – though face-to-face meetings can be set up on request at their NSW office. Applicants need to fill out a short form, after which their information is assessed, including a review of bank statements and other relevant details. If approved, the loan agreement is signed electronically and funds may be transferred as soon as the same day.
In addition to small loans, Good to Go Loans provides:
- Line of credit loans between $500 and $10,000
- Personal loans between $3,000 and $30,000
- Car loans between $3,000 and $30,000
- Business loans of varying amounts, with no stated maximum
These products operate separately from small loans, with different eligibility criteria, repayment terms and fee structures.
Note that Savvy also offers personal loans, car loans and business finance options through its panel of lenders. When comparing through us, you may qualify for larger amounts and more competitive rates.
What are Good to Go Loans' eligibility criteria?
Good to Go Loans’ eligibility criteria are simple. Applicants must:
- Be at least 18 years old
- Be an Australian resident
- Receive a steady income, which can come from full-time, part-time or casual work or Centrelink.
Approval will depend on your ability to repay the loan rather than your credit history, meaning that even with bad credit you could be considered for a small loan.
Good to Go Loans reviews
Good to Go Loans is an Australian Credit Licence holder, which means it can legally offer loan products in Australia. However, holding a licence doesn’t guarantee good service, so it’s important to check a lender’s track record before applying.
In Good to Go Loans’ case, an ASIC investigation in 2017 found the lender offered a loan product that did not comply with the terms of a small amount credit contract (SACC) and required higher repayments over a shorter period, increasing the risk of default. That loan product was subsequently discontinued, and all outstanding loans were written off.
Since then, the lender has received hundreds of positive customer ratings and currently holds a 4.7-star rating on Google Reviews as of February 2026. Recent feedback highlights a quick, easy application process and responsive customer service.
Regardless of reviews, if you choose to proceed, make sure you carefully read and understand the loan agreement so you’re clear on all costs, fees and obligations before signing.
Are there other loan providers like Good to Go Loans?
Many lenders specialise in cash loans. If you’re looking for a small loan up to $5,000 – or sums above this amount – but don’t know where to begin, you can apply through Savvy and be connected with one of our many lending partners in moments.
You might also consider alternatives, such as:
- Pay advance loans: these give you access a portion of your upcoming pay early, with the borrowed amount then deducted once your salary is paid.
- No Interest Loans (NILs): NILs are offered through Good Shepherd and its partners, providing interest-free, fee-free loans up to $5,000 for essential costs like car repairs, medical expenses, rental bonds and buying a vehicle.
- Centrelink advances: if you receive Centrelink payments, you might be able to access part of your future payments as a lump sum.
