$5000 LOANS
Same day funds up to $5,000
Same day funds up to $5,000
Finder
We approved 320+ loans in the last 24 hours!
Looking to borrow up to $5,000? Need the money quickly? Fundo can help. We offer medium cash loans (as they’re known in the biz) ranging from $2,001 to $5,000 with flexible repayment terms, upfront and clear to understand fees and charges, and easy breezy online applications.
Our application system, the Fundo Dashboard, is available 24/7, day or night. You can apply and have a decision within a few minutes. If approved (and you sign off on your loan agreement) you could have the funds hitting your account within 60 seconds, provided your bank account is PayID enabled. Fundo makes funding simple!
Before you apply, you need to conform to our lending criteria, which is:
That’s it! If that sounds like you and you need funds fast, head over to the Fundo Dashboard and make an application. You’ll get a decision lightning quick!
We provide borrowers with a range of loan options to choose from. People often find themselves needing emergency loans for various reasons, like covering unexpected medical bills, car repairs, or other surprise expenses that come up like kids’ education expenses, such as excursions. The funds can be used as home renovation loans, to finance repairs, renovations, or upgrades. Renters may need to find emergency accommodation and come up with bond or security deposits urgently, necessitating a same day loan.
Some people streamline their finances by using these as debt consolidation loans, which could help them save money by combining their debts into one loan and avoiding paying different lenders multiple interest rates. You can choose flexible repayment options ranging from 9 to 26 weeks. All your fees and charges are shown up front in your loan contract - no hidden nasties!
If you have bad credit - no problem! We help bad credit customers get $5,000 loans - even if they’re on Centrelink benefits. We work with you to get you your urgent funds as much as possible.
No matter the reason, we’re here to help. Apply now and get a decision within minutes - and the $5,000 just as fast!
Absolutely! We truly mean it when we say we can provide you with anywhere from $500 to $5,000 in no time. Applying for a quick cash loan from Fundo is easy! Just use our secure online dashboard, and you can complete the process in just three to five minutes, any time of day or night. If you qualify and meet our requirements, you could get approved in that time frame. Plus, if your bank account supports PayID and you agree to your loan contract, the cash will be in your account in just 60 seconds! Need a quick cash loan in Australia? Look no further than the speedy team at Fundo! For non-PayID enabled accounts, it may take longer - up to 48 hours in some cases. If you’re unsure about PayID (Osko) accounts and want confirmation of deposit processing times, contact your bank or credit union.
Absolutely! At Fundo, we’re all about making sure everyone has the chance to get a little loan, no matter what their credit score looks like. We know that financial challenges can affect anyone, and we're here to lend a hand. We know that financial emergencies can pop up out of nowhere, and we're ready to assist you. We've made our process easy and approachable, ensuring you can get the funds you need, even if your credit history isn't perfect.
Although we can't promise immediate approval for those with bad credit, like recently discharged bankrupts, we've seen many instances where applicants with bad credit have received their funds as soon as possible!
Just like any loan, urgent loans have some risks that you should keep in mind. Keep an eye out for high-interest rates, hidden fees, and the chance of falling into debt if you're unable to repay the loan on time. As of 2025, a medium term loan contract of up to $5,000 has statutory repayment options ranging from 9 to 26 weeks.
To reduce these risks, it's important to borrow only what you can comfortably repay and to choose a reliable and reputable lender like Fundo, which offers clear and easy-to-understand loan terms and conditions. If you have any questions, feel free to give us a call, chat with us live, or drop us an email at hello@fundo.com.au. We’ll help you every step of the way.
We strongly advise not to take out significant credit contracts one after the other, as it can severely impact your credit score and you may be rejected for trying to take on too much debt, too quickly. Fundo is a responsible lender and will only approve an instant loan for customers if we feel they can comfortably pay the loan back without going into hardship. In essence, we want people to be financially better off after they’ve paid the loan in comparison to when they applied for it. This is not only Fundo’s policy, but enforced by government regulation. Talk to a financial adviser or counsellor to discuss what options may be available to you.
Safe
and Secure. 5 min
application²
Kim S.
Ellie P.
Robert D.
Safe
and Secure. 5 min
application²
Safe
and Secure. 5 min
application²
Loan amount from $500 to $2,000
Minimum 5 weeks to maximum 6
months
20% establishment fee and a flat
4% monthly fee4
Loan amount from $2,001 to $5,000
Minimum 9 weeks to maximum 6 months
$400 establishment fee, interest at
47.80% p.a. (comparison rate 63.29% p.a.)5
4 Fees are based on loan principal advanced.
5 Comparison rate is based on an unsecured loan of $2,500 over a term of 6 months with a fortnightly repayment frequency.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
6 The example assumes timely repayment as per the loan agreement, or additional fees and charges may apply.
Safe
and Secure. 5 min
application²Terms and conditions and fees and charges apply. Approval and loan amount are subject to our credit assessment criteria.
¹As soon as you sign your contract, 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 its a public holiday, the funds are usually received by the next business day
²Applying for a loan with Fundo usually takes about 5 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.
Fundo is an Australian direct lender that offers short-term, small loans without any legal jargon or red tape. Our online loans are designed to provide access to a broad range of qualified applicants, including those with less-than-perfect credit.
Finding small loans with flexible repayment terms is now a reality with Fundo - no need to keep searching for 'Debt Consolidation Loans Bad Credit', 'Personal Loan With Fast Approval', or '24 Hours Cash Loans'. Applying for Fundo loans in the future gets more engaging when you pay off your loans in advance penalty-free while also increasing your chances for approval.
Fundo believes that eligible applicants should be able to get closer to the loans they need. If you've been looking for small cash loans through search terms like 'Instant Approval Loans Need Cash Today', 'Payday Loans No Credit Check', or 'Savvy Loans', then you can stop looking now - let us show you how easy it is to apply for a loan with Fundo.
We typically respond within 2 min or sooner.
I'd like to borrow ($500 - $5000)
