$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.

Rethinking Car Finance No Credit Check With Fundo’s Reliable Approach

The demand for car financing is on the rise. Many people are tempted by lenders’ ‘car finance no credit check’ and ‘zero credit check auto financing’ offers, which seem attractive at first glance. However, they may not always be the best choice for everyone.

That’s where Fundo comes in. We offer a responsible alternative to those ‘no credit car financing’ and ‘guaranteed car finance no credit check Australia’ options. We understand that your financial situation is unique and we’re here to work with you, not against you.

At Fundo, we’re dedicated to giving our customers a quick and straightforward funding experience. We know how busy life can be and that’s why we’ve made our services accessible and user-friendly, so you don’t have to resort to car loans with no credit check or no credit check car dealerships.

The Pitfalls of ‘Car Finance No Credit Check’

Understanding ‘No Credit Check’ Car Finance and Its Risks

Auto loans without credit check, or ‘easy car finance options without credit check’, are loans that help you buy a new or used car and are offered without checking the borrower’s credit history. While this might sound appealing to those with less-than-stellar credit scores, it often comes with unfavourable terms.

Typical no credit check car loan lenders might promise easy and quick approval but often hide costs and stringent terms in the fine print. Borrowers may encounter hidden fees and inflexible repayment schedules, which can quickly turn a seemingly affordable loan into a costly financial commitment.

Fundo’s Dedication to Responsible Lending

At Fundo, we strive to ensure that our customers are offered loans that suit their financial situation and capacity to repay. Unlike other online car financing without credit check, we thoroughly assess our applicants’ financial circumstances to ensure they are not taking on more debt than they can handle. Although we may conduct credit checks, rather than solely focusing on past credit scores, we prioritise your current ability to meet repayments on time.

We understand that life is unpredictable and credit scores may not always reflect your current financial stability, which is why you search for terms like ‘car finance no credit check’ and ‘car loan no credit check’ online. For this reason, we welcome applicants with a range of credit histories, from stellar to less-than-perfect to apply.

Our Approach to Lending

Easy and Quick Online Loan Applications

You don’t have to keep wondering how to get a car loan with no credit check. At Fundo, we have designed a straightforward online loan application process. You can apply from anywhere, 24/7, even on your mobile phone. Simply click the ‘Apply Now’ button on our website and follow the steps to fill out the form.

Your application will be processed from Monday to Friday, 9 a.m. to 6 p.m. and Saturdays from 9 a.m. to 5 p.m. Sydney time. If you submit your application and it gets approved during our business hours, there’s a good chance you’ll receive the money on the same day.

If you submit your application towards the end of the workday, no worries. It will be processed the next business day. To expedite your application, please have your regular income details, government benefit information (if applicable), valid ID and bank account details ready.

Transparent Costs and Flexible Repayment Options

With Fundo, you can expect complete transparency. As responsible lenders, we follow all relevant Australian legislation and ensure that the costs associated with our loans are disclosed upon approval, so you don’t have to worry about hidden fees or surprise charges. Furthermore, we offer flexible repayment terms, allowing you to choose the duration that best suits your situation.

Frequently Asked Questions (FAQ)

Who is eligible for car finance with no credit check?

When it comes to ‘car finance no credit check’ options, eligibility criteria may vary depending on the lender or institution providing the financing.

To be eligible for our quick personal loans at Fundo, you must:

  • be at least eighteen years old at the time of your application;
  • be a citizen or tax-paying resident of Australia;
  • earn at least $1,000 per fortnight, including government benefits;
  • demonstrate an ability to meet repayment deadlines; and
  • ensure you won’t place undue financial pressure on yourself by borrowing from Fundo.

What are the benefits of car finance with no credit check?

‘Car finance no credit check’ offers extend the opportunity to those with poor or no credit history to secure a car loan, especially if needed for work or other crucial needs. However, these loans can come with strict repayment schedules and hidden fees, making them tough to pay off.

If you find yourself in need of additional funds for a car down payment or vehicle repairs, consider applying for a quick personal loan from Fundo.

Will I need a cosigner for no credit check car financing?

The requirement for a cosigner in no credit check car financing largely depends on the lender. Generally, a cosigner isn’t needed, but some lenders might ask for a significant down payment or require borrowers to provide security. Instead, stick with Fundo’s personal loans for simple and clear terms and flexible repayment options.

Fundo: A Refreshing Approach to Lending

When unexpected expenses strike, it’s understandable to look for quick solutions. While there are lenders out there that might offer options like a loan with no credit check or same day payday loans, they often come with hidden fees, inflexible repayment terms and a lack of transparency. Fundo offers a refreshingly different approach.

Be wary of ‘loan money no credit check’, ‘emergency cash loans no credit check’, or even ‘quick cash loan no credit check’ and other too-good-to-be-true offers. At Fundo, we believe in honest and straightforward lending. We don’t lure customers with buzzwords like ‘unsecured personal loan no credit check’ or ’quick payday advance’.

Choose Fundo for a lending experience that’s reliable, transparent and tailored to your needs. With Fundo, there’s no jargon, no confusing legal talk and no complications. Just easy and quick online loans. Apply with us today!

Disclaimer: Please note that we do not offer car finance no credit check. 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 informational purposes only and should not be taken as financial advice or recommendations. Any views are subject to change without notice at any time.