$500 - $5000
between $500 - $5000
up to 180 days
20% upfront establishment
fee 4% monthly fee

Small LOAN

Loan amount from $500 to $2000
Minimum 91+ days to Maximum 6 months
20% Establishment Fee and a flat 4% Monthly Fee*


Loan Amount of $1,000 over 20 weeks repayable weekly. $1,000(Principal Amount) + $200(20% Establishment Fee) + $200(fees based on 4% per month over 20 weeks) = $1,400 total repayable in 20 weekly repayments of $70.00.

*The example assumes timely repayment as per the loan agreement, or additional fees and charges may apply.


Loan amount from $2001 to $5000
Minimum 91+ days to Maximum 2 years
$400 Establishment Fee plus interest at 47.8% p.a. (Comparison Rate 66.58% p.a)*


Loan Amount $2500 over 2 years repayable fortnightly. $2,500 (Principal Amount) + $400 (Establishment Fee) + $1553 (Interest) = $4453 total repayable in 52 fortnightly instalments of $85.63

*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.

There are various reasons why people need money quickly. For instance, if you're in a jam, you might need cash for groceries, a car repair, or a medical emergency. The problem is that traditional financial systems, like banks, can be rigid and slow, and loan requirements can be difficult to meet.

That's where Fundo comes in. With straightforward loan requirements and a streamlined process, Fundo is the place to go when you need to apply for a loan fast.

What do I need to prepare for a loan application?

Depending on the lender, you may need to meet different requirements. For some non-traditional lenders, you only need general information and a bank account. While traditional lenders typically require a little more preparation, most lenders will still require a credit check. In most cases, your credit score will determine whether you qualify for a loan.

At Fundo, while we check your credit, it is not the main determining factor for loan approval. We understand that your financial situation can be complex, and your credit score doesn’t necessarily mean you can’t repay your loan on time. That’s why Fundo never denies a loan application without considering other factors at play when you apply for a loan. 

How do I qualify for a Fundo loan?

Whether you’re looking for short term loans or personal loans online, Fundo just needs you to meet a few simple criteria to qualify for a personal loan. For this, you must:

  • be at least eighteen years old;
  • be a citizen or permanent resident of Australia;
  • earn at least $300/week, excluding government benefits;
  • demonstrate an ability to meet repayment deadlines; and
  • not put yourself in a financial bind when you borrow from Fundo.

These requirements are all you need to be eligible for a Fundo loan, and we’ll do our best to assist you in finding a loan that fits your financial situation. 

Do I have to pay for anything when applying for a loan?

Some lenders may require you to pay some fees when you apply for a loan, which you would have to pay on top of your loan amount and interest rate throughout your loan period. While these fees are typically insignificant to your principal loan amount, these can be higher than usual if you have less-than-ideal credit. 

At Fundo, we don’t blindside you with fees hidden under technical or legal jargon. Our fees and other relevant loan details are always listed in a detailed breakdown before you sign anything so you never encounter any surprise expenses when you apply for a loan. We ensure that you can comfortably repay your Fundo loan without putting yourself in financial trouble.

Our interactive self-service dashboard lets you keep track of your loan details and more so that you are always aware of your loan balance and next repayment period. Your Fundo Credit Score can also be tracked here, along with daily tips and advice on financial wellness. 

The Fundo Credit Score helps you gain insight into your finances and develop sound financial habits by incorporating a fun credit scoring system. Your Fundo Credit Score will increase if you make sound financial choices, such as repaying your loan on time or referring Fundo to your friends and family. 

Your Fundo Credit Score will increase for every completed loan, which makes you more likely to be approved when you apply for a loan with us!

Whether you're looking for small loans or quick loans, at Fundo, educating yourself about financial wellness and improving your chances of future Fundo loans will help you receive a more rewarding loan experience.

Is it more affordable to apply for loans online?

While the cost of online loans may vary from traditional loans, answers will vary depending on the lender you ask. While traditional loans usually have lower interest rates, they have stricter requirements and require more time and effort. On the other hand, non-traditional lenders offer more lenient and flexible loan options at typically higher interest rates and may have upfront fees. 

However, Fundo makes applying for a loan online easier and more convenient than ever, and we save you a lot of time and effort. Instead of waiting in long lines or spending hours travelling, you can spend that time learning more about financial wellness on Fundo’s self-service dashboard. 

Instead of searching online for ‘payday loans no credit check’, and settling for risky alternatives when you apply for a loan, choose the loan that suits your financial situation at Fundo. 

Feel free to contact us any time if you want more information about our small personal loans, loan eligibility and requirements, or advice on which loans would suit you. You can reach us by phone at (02) 9066 9660, by email at, or by live chat. 

When you need a small cash advance loan, we offer a variety of options with a fast and easy application process. Whether you're new to borrowing or an experienced borrower, we make it easy to get a loan.

Need a teeny tiny loan? Apply for a loan at Fundo today!

Disclaimer: Please note that all opinions expressed in this article are strictly for informational and entertainment purposes and should not be construed as financial advice. All commentary views are subject to change without notice at any time.