$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.

Cash Advance

It’s tough to get a loan when you need it most. Banks take too long to process, and the interest rates can be staggering. You’re stuck in a financial bind, and you don’t know where you can find quick cash advance loans that don’t blindside you with hidden fees.

Fundo loans are fast, easy, and affordable. Our quick loan application process gets you the cash you need in no time, with no hidden fees. Get the cash advance loan you need now with Fundo!

How do cash advance loans work in Australia?

At Fundo, we have a quick and straightforward application process done entirely online from your mobile phone or desktop. Usually, you begin by declaring the amount you want to borrow.

When you apply online, you’re asked to disclose the following general requirements:

  • you must be at least eighteen years old;
  • you must be a permanent resident or citizen of Australia;
  • you must earn at least $500/week in regular income (excluding government benefits);
  • you must show that you can pay on time; and
  • you must not be at risk of financial problems when borrowing from Fundo.

If necessary, we may contact you to ask for additional information or documentation depending on the loan size you are applying for. You will receive the funds in your bank account as soon as possible once approved.

Furthermore, our self-service dashboard lets you manage your cash advance or personal loan, monitor your Fundo Credit Score, and learn more about financial wellness.

Can I get a cash advance loan if I am unemployed?

Unfortunately, in most cases, you will only be approved for a cash advance loan or any other Fundo loan if you are employed. As a responsible lender, we are obligated to only lend money if you make at least $500 per week in regular income, not including government benefits.

Although Fundo frequently approves loans to pensioners, if you solely rely on a pension of $500 per week, you will not be approved for a Fundo loan either.

We regularly service individuals with complex financial situations. Instead of searching for ‘ easy fast loans’ or ‘ quick loans ’ from a less credible website, please contact us to discuss your situation if you need a cash advance load.

At Fundo, we advocate for your financial literacy and help you develop sustainable spending and saving habits through our Fundo Credit Score. By making informed financial decisions, you will increase your Fundo Credit Score.

Our Fundo Credit Score incorporates a fun, game-like credit scoring system. Whenever you repay a loan on time or early, refer Fundo to friends or family, or even leave a review for Fundo, you can boost your Fundo Credit Score. Conversely, your Fundo Credit Score will drop for every missed repayment schedule or failed payment method.

You typically have around 180 days to repay your Fundo loan; however, depending on your circumstances, you may opt to repay the loan in full before the original repayment term is due to end, which would positively impact your Fundo Credit Score.

There are different ways that you can increase your Fundo Credit Score and your chances of getting approved for a Fundo loan today. Learn more about how our scoring system works today.

Is it easier to apply for cash advance loans online?

It can be tricky or time-consuming to get approved at traditional lending services like banks, especially when they have strict credit or financial requirements.

The internet and new technology have, however, made applying for short term loans like cash advance loans and bad credit loans from alternative lenders easier.

We understand that if you’re applying for a cash advance loan, you need cash immediately, so we want to provide it as quickly as possible. If we get your loan application during business hours, we can review it, approve it, and send the money to the account you choose on the same day.

Our goal is to provide you with quick funding and flexible repayment terms, but we also understand that you should be aware of how finances affect you in both the short and long term.

At Fundo, we inform you in advance about the costs of your loan. We don’t hide fees, charge you unnecessary fees, or confuse you with technical jargon. We provide a clear breakdown of all the costs involved in your cash advance loan and the repayment details upfront.

Please feel free to contact us at any time if you have any questions about our short-term loans, loan eligibility, or even advice on which loans are suitable for your situation. You may contact us by phone at 1800 161 391 , by email at, or through our live chat option online.

Isn’t it time to get started? Whether you need fast payday loans or last minute loans, we have a streamlined application process that is tailored to meet your needs. You can even apply with just three clicks if you’re a returning borrower.

Need a teeny, tiny loan? Apply at Fundo today.

Disclaimer: Unless otherwise specified, the opinions expressed in this article are strictly for general informational and entertainment purposes only and should not be taken as investment advice or recommendations. Any commentary views are subject to change without notice at any time.