$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.

Fundo or Before Payday Loans: Which Is Right for You?

Are you feeling the pinch before payday? It’s easy to be drawn towards ‘before payday loans’ in a cash crunch. But is it the only option?

In this comprehensive guide, we’ll compare before payday loans and Fundo Loans so you can make an informed decision. At Fundo, we’re not a payday lender; we’re the loan provider you can count on, transforming complex procedures into straightforward experiences.

Continue reading and learn how our efficient, stress-free loans are designed for your financial well-being.

What are the typical reasons someone might consider getting a payday loan?

Quick cash

Picture this: your wallet’s thinning out, and payday seems ages away. Some turn to payday advance options, attracted by the promise of swift cash that terms like ‘before payday loans’ are often associated with.

But it’s not always a speedy trip down payday lane. Remember, your journey might be swifter or slower, depending on a variety of factors, like your employer’s wage advance loans policies and the specific provider’s approval process.

So instead of taking the risk with different Aussie payday loans, why not turn to a lender that offers quick loans instead?

While we don’t offer ‘before payday loans’ at Fundo, we can help you secure a short-term loan in a jiffy, cutting out the waiting game. Apply during our business hours, and your loan application can be reviewed promptly. Once approved, funds are whisked into your bank account within a few hours or, in most instances, the same day.

Easy eligibility

You might be thinking, ‘Well, payday lenders Australia-wide don’t have a maze-like eligibility process’. True, they might not ask you to dance through fire hoops, but it’s not the same story everywhere. Some lenders may require specific bank accounts or a squeaky-clean credit history.

But check this out: Fundo keeps it simple and friendly. We don’t provide payday lending services, but our quick loans are available for those who can meet the following requirements:

  • eighteen years and older;
  • Australian citizens or tax-paying residents;
  • earning at least $1,000 every fortnight (including government benefits);
  • can demonstrate an ability to meet repayment deadlines; and
  • will not place undue financial pressure on themselves by borrowing from Fundo.

Security for the loan

No one wants to risk their assets, right? That’s why many Aussies are looking up terms like ‘before payday loans’ online, hoping they can access their next payday loan without offering security.

If you’re thinking the same way, you should try Fundo instead. Our award-winning loans, which are different from payday loans, don’t require you to offer up assets like your prized car or family home, resulting in a smoother, stress-free application process.

Credit score flexibility

You’ve probably heard whispers about no credit check pay loans. They might seem tempting if your credit history has a few blemishes and you need a payday loan today.

Before you sign up for a payday loan now, remember that responsible lending isn’t about turning a blind eye. It’s about making sure you can comfortably repay your loans. While payday cash advance services like ‘before payday loans’ aren’t part of our solutions, what we offer is a responsible borrowing experience you can’t easily get anywhere else.

At Fundo, we may check your credit score. But don’t worry, because it plays a small part in our decision-making process. We take a holistic view of your financial situation, so even if your credit score is far from perfect, your current ability to meet repayments is what really seals the deal.

Getting a payday loan: is it worth it?

What factors determine the amount of money I can borrow with a payday loan?

Well, it’s a bit like putting together a puzzle. It’s not just about your income or money before payday but also factors like your borrowing history and your employer’s criteria.

If you’re looking for small or medium loans, Fundo can help. Instead of offering ‘before payday loans online’, we offer loans that can be used to consolidate debt, pay for holidays, cover wedding expenses, and more.

Can I apply for a payday loan online, or do I need to visit a physical location?

Some lenders can offer you an online payday loan, but others require face-to-face interaction. If it’s a wage advance from your employer, you might need to pop by your HR or Finance Department.

But are ‘before payday loans’ really worth the energy? Why not try the convenience of Fundo Loans instead? With us, you can apply from the comfort of your own home or wherever you are. Just a few clicks on your smart device and you’re on your way – no paperwork, no lines, just pure convenience.

Frequently Asked Questions (FAQ)

Are there hidden fees in Fundo loans?

No, transparency and fairness drive us at Fundo. All charges are disclosed when your application is approved, ensuring a surprise-free loan experience.

What’s the best time to send my Fundo loan application?

The best time to send your loan application is during our office hours, which are from 9.00 a.m. to 6.00 p.m., Monday to Friday, or 9.00 a.m. to 5.00 p.m. on Saturdays, Sydney time. If we receive your application before the end of the business day, we can promptly review it, and if everything goes well, you could get your cash on the same day.

If you didn’t manage to submit your application during our office hours, no worries! Our platform is open 24/7, and we can quickly review your application on the next business day instead.

Can I apply for multiple Fundo loans at the same time?

One step at a time, mate! At Fundo, we currently do not allow multiple active loans, keeping your financial well-being in check.

Embracing financial ease with Fundo

In the whirlwind of life’s surprises, Fundo stands as your quick online loan expert in Australia. We empathise with your urgent need for cash, and we’ve streamlined our application and approval processes to serve you swiftly, so you can forget about the typically strict requirements of traditional banks and the lack of flexibility of before payday loans!

We offer small and medium loans with no hidden fees, no confusing legal talk and absolutely no complications – that’s our promise. We’re committed to turning the intricacies of small and medium loans into a no-fuss, comfortable experience.

Ditch the search for terms like ‘before payday loans’ and apply for a Fundo loan today!

Disclaimer: Please note that we do not offer before payday loans. At Fundo, we provide personal loans and may be able to help you, like the thousands of Australians we have already helped.

Unless otherwise specified, the opinions expressed in this article are strictly for general informationalpurposes only and should not be taken as financial advice or recommendations. Any views are subject to change without notice at any time.