1 Hour Cash Loans
Same day funds up to $5,000
Same day funds up to $5,000
It’s an uncomfortable feeling getting a call hearing a loved one overseas is in trouble or you get a bill that needs paying immediately to get on with your life. These can strike from anywhere without any warning. Luckily, Fundo is on your side to provide one hour direct cash loans - or quicker - ranging from $500 to $5,000! For some approved customers, you’ll get the cash in under an hour - sometimes sixty seconds or less!
Fundo takes the running around and stress that can come with trying to secure cash fast - especially when other things are on your mind. You can apply for a 1 hour cash loan using our simple, secure Fundo dashboard - three clicks and you could be on your way to having cash funded to your account within minutes! It’s why thousands of Australians keep turning back to Fundo for quick cash loans.
Yes! You don't have to wait long to apply for or get approved for a short-term loan from Fundo. It's easy and quick to do everything online. All you need to apply is to be an Australian citizen or permanent resident, at least eighteen years old, and have a steady source of income from work (or government benefits - more on that later). You can get your answer and your money in under an hour if you’re approved.
Have you used Fundo before? The process is even easier and faster if you've already applied for one of our loans. With just three clicks, our 3-Click Apply method lets people who are already looking for a cash loan apply for new loans and get funded within an hour - or even seconds. You could get instant approval if you have an exemplary Fundo credit score.
If you need instant approval and the cash today, you can always turn to Fundo.
A 1 hour cash loan works in the same way as any of our small loans or payday loans. You apply for the loan using the Fundo dashboard and answer a series of questions about your ID, income and expenses, and why you need the loan.
We’ll then make a decision on whether you are eligible for a loan. If so, you’ll be given a loan agreement. Once you’ve read the terms and conditions carefully and agree, we’ll deposit the cash into your nominated bank account within the hour! You can even have the cash within 60 seconds!
Yes - if you are approved and have a PayID or Osko (also known as New Payments Platform) bank account, you can have the cash transferred to your account within 60 seconds, Monday to Sunday, at any time of day or night. NPP or PayID eliminates the wait time for bank transfers (this usually happens overnight at the earliest, or within three to five business days) so you can get the cash in a flash!
Fundo uses its own scoring method to determine whether borrowers are a good match for 1 hour cash loans. Fundo Credit Scoring has been put in place to reward our borrowers for keeping up good money habits. If you want to borrow money again, your chances of getting it accepted will go up if your score is higher.
You can see your own Fundo credit score on our self-service screen, and you can improve your score by paying on time, leaving reviews, and telling your friends about us. You can even get rewards when your friends successfully return their loans! It’s our way of making funding Fun!
Yes - we can help people on Centrelink or government benefits such as the Veterans’ payment or NDIS get a 1 hour cash loan. You may have to be above a certain income threshold to gain instant approval. We’ll do everything within our power to help you get approved - our job is to make your financial situation better, not worse. That’s why we have certain restrictions in place to protect vulnerable customers. If you have any specific questions before you apply, call us, email us, or use the live chat below.
We work hard to present everything in your loan agreement in plain English - but we also understand that some applicants come from Culturally and Linguistically Diverse (CALD) backgrounds. Don’t accept an agreement you do not fully understand, even if it is from your friends at Fundo!
If you need help, email us at hello@fundo.com.au or call us on 1800 161 391 between 9am - 6pm Monday to Friday, 9am-5pm on Saturdays or 9am-1pm on Sundays (AEST.) You can also use the live chat function during our business hours.
Fundo gives everyone a second chance to get a small cash loan, even if their credit score isn't great. You can get emergency funds quickly from us even if you have bad credit. We help a lot of people who need emergency funds to help themselves, their family, or loved ones. However, approval may take a bit more time, especially if it’s your first application. We can’t guarantee that you’ll be approved and have the cash in an hour if you have bad credit, but many bad credit applicants have had their cash deposited quickly, so they can pay what needs to be paid and move on with life!
Safe
and Secure. 3 min
application²
Kim S.
Ellie P.
Robert D.
Safe
and Secure. 3 min
application²
Increase your Fundo Credit Score to boost your chance of getting approved on your next loan.
Safe
and Secure. 3 min
application²
Loan amount from $500 to $2000
Minimum 91+ days to maximum 6
months
20% establishment fee and a flat
4% monthly fee4
Loan amount from $2001 to $5000
Minimum 91+ days to maximum 2 years
$400 establishment fee, interest at
47.80% p.a. (comparison rate 66.58% p.a.)5
4 Fees are based on loan principal advanced.
5 The comparison rate is specific to a $2,500 loan over a two-year term with a $400 establishment fee and fortnightly repayments. Any deviation in loan amount, term, or additional fees and charges can result in a different comparison rate, and the given comparison rate only applies to the presented example.
6 The example assumes timely repayment as per the loan agreement, or additional fees and charges may apply.
Safe
and Secure. 3 min
application²¹As soon as you sign your contract and if all other requirements have been met, we instantly send the funds to your nominated bank account. If your bank works with the New Payments Platform (NPP), most customers see funds in their account within 60 seconds. If your bank is not NPP enabled, or it is a weekend or a public holiday, the funds are usually received by the next business day. Fundo cannot guarantee that loan funds will be received within 60 seconds
²Applying for a loan with Fundo usually takes about 3 minutes. However, this time can change based on a few things, such as your typing speed, the device you're using, and whether you have all the necessary information ready to go.
³As the approval process is influenced by various external factors, we can't guarantee that you'll receive a decision on the same day. However, most of our customers do receive a same-day response to their application with Fundo, if they submit their loan application and all the requested supporting information by 4pm Sydney time during a regular business day.
We typically respond within 2 min or sooner.
I'd like to borrow ($500 - $5000)
