$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.

When we’re faced with an immediate expense, we might end up searching online for ‘cash advance apps Australia’, thinking those are our only options for fast funding. 

We do not take loans lightly – but when the need arises, we want to turn to a lender who we believe has our best interests at heart and meets our needs. It can be disheartening, however, to apply for a loan when you’re faced with long turnaround times or extensive paperwork.

Fundo agrees wholeheartedly with the sentiment. It’s why we’ve taken steps to make our process a smooth experience for our borrowers by offering fully online applications, among many other features. With online applications, you can apply for a loan at any time of day or night from any mobile device of your choosing.

Instead of looking up ‘cash advance apps Australia’ in hopes of getting closer to funding, here is some information you’ll want to know.

How do cash advance apps compare with loans from banks?

Online loans and cash advance apps Australia-wide typically have streamlined and innovative processes compared to loans from banks. While Fundo is not a cash advance app, we offer some advantages as an online lender.

To start, as with other lenders, Fundo has eligibility criteria for borrowers. On the other hand, these criteria are minimal compared to mainstream lenders. You can reference them below:

  • You have to be at least eighteen to apply for a Fundo loan.
  • You’re an Australian citizen or a permanent resident.
  • You earn at least $300 a week, not counting any government benefits.
  • You have a clear and demonstrable plan for completing your Fundo loan on time.
  • Our loans won’t put you under undue financial stress or hardship.

To be clear, meeting these requirements does not guarantee your loan instant approval. However, it does improve your chances of being considered for cash loans online, as these are among the key factors we look into when reviewing applications.

If you’re interested in knowing more about your chances of loan approval, you can also look at your Fundo Credit Score.

The Fundo Credit Score is our unique scoring system that offers current borrowers the opportunity to improve their chances of getting future Fundo loans approved by repaying current loans on time or earlier. They can also improve their score by referring us to friends or family, using Fundo as their sole loan provider, or leaving reviews on our products and services.

Do loan offers differ depending on the payday app I choose?

Your loan offers could vary depending on which loans places or loan apps Australia you turn to. For example, some lenders specialise in same day cash advances, while other cash advance apps Australia-wide focus more on offering weekend loans.

At Fundo, our focus is on small, short-term loans that are accessible to a wide range of approved borrowers. This includes borrowers with less-than-ideal credit scores as well as those with part-time employment.

We believe in fair lending, and we think that everyone deserves a chance to borrow loans if they can demonstrate healthy repayment habits despite their credit scores.

That being said, we do perform credit checks at Fundo. Don’t worry, however – this is just one part of the process, and we consider the complex financial situations of our borrowers when we review their applications. 

What should I look for in legit pay advance apps in Australia?

When it comes to ‘cash advance apps Australia’, we want to make sure that we’re sending our personal and financial information to a legitimate lender. There are several tips you could use to verify the legitimacy of your chosen payday app or online lender. 

Here are a few of them.

Search for reviews online.

If the online lender or instant cash app has been around for some time, chances are high that it’s been reviewed by previous or current borrowers on review websites like Fundo, for example, has won awards on for offering highly rated short-term loans in Australia. 

Speak with their customer service.

It never hurts to speak with the people behind online loans or cash advance apps Australia has to offer, whether it’s through chat messages, emails, or phone calls. A sign of a good lender is having a responsive customer service team like the one we have here at Fundo.

Whether it’s our customer support or loan consultants you wish to speak with, our teams are more than happy to hear from you. We do keep business hours, though – for reference, our hours of operation are Mondays through Fridays, 9.00 a.m. to 6.00 p.m., and Saturdays, 9.00 a.m. to 5.00 p.m.

Look them up on the ASIC registers.

The Australian Securities & Investments Commission (ASIC) is responsible for regulating companies and financial services and enforcing laws to protect Australian consumers. They also have various business registers that are publicly accessible online.

For our part, Fundo is searchable on the registers under the name ‘Fundo Loans Pty Ltd’. This information is also available on our Terms and Conditions pages.

Fundo has always endeavoured to make loans more engaging and interactive. If you’re looking to borrow online loan cash or for products related to quick approval loans, then give us a chance and see how we fit your requirements. No need to keep searching for ‘cash advance apps Australia’ online!

Apply for a small, short-term loan with us today!

Disclaimer: All opinions in this article are strictly for informational and entertainment purposes only and should not be construed as financial advice or recommendations. We reserve the right to change any stated opinions or views without notice.