$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 it comes to financial services, it can be hard to find the right provider that meets your needs. You want a lender that is reliable and trustworthy, but you don’t know where to start looking or who to trust.

Fundo makes it easy for people searching up terms like ‘cash advance no credit Australia’ or ‘cash loans no credit check fast approval’ to find what they're looking for, which is short-term loans with minimal lending criteria, easy application processes, and quick approval processes. 

What are the easiest loans to get with bad credit?

One of the easiest loans to get if you’re someone with a low credit score is a loan at Fundo. Our loans range from $500 to $2000 with repayment terms of up to 180 days.

At Fundo, we pride ourselves on being responsible yet understanding lenders. As such, we conduct credit checks, but we believe that your credit score shouldn't be a major factor that determines your eligibility for a loan. What we focus on is a borrower’s demonstrated ability to meet their repayment deadlines.

A few other prerequisites for our applicants are that they must:

  • be over eighteen years old;
  • earn at least $300 per week in regular income, excluding government benefits;
  • demonstrate an ability to meet repayment deadlines;
  • must be an Australian citizen or resident; and
  • not place an unnecessary financial strain on yourself by taking a loan from Fundo.

Once you’re certain you meet all our eligibility criteria, you may apply for a loan with us online instead of searching up ‘cash advance no credit Australia’ and going with lenders who don’t suit your individual needs. 

Simply visit our homepage, click on the ‘Apply Now’ button, and follow the prompts. If you get your loans approved, we'll send you an agreement and work to get the funds into your account as soon as possible, often on the same day. 

Our online form is available 24/7 for your convenience, and we approve applications from Monday to Saturday so you can get your funds as soon as possible. 

Can you get a personal loan with no credit score?

It is possible to get a personal loan with no credit score in Australia but it isn’t always easy. Most lenders will require some kind of credit score to assess whether you are a reliable borrower and can repay the loan. However, there are some lenders who specialise in providing small personal loans to people regardless of their credit score like Fundo – essentially people looking up terms like ‘cash advance no credit Australia’ online. 

At Fundo, we've taken it upon ourselves to make borrowing easier for Australians and developed our own credit scoring system, known as the Fundo Credit Score. The higher your Fundo score, the higher your chances of being approved for one of our fast loans. And as a special bonus, we offer discounts and benefits for those with improved Fundo Credit Scores.

At Fundo, we want to make it easy for you to manage your online loan and stay on top of your financial obligations. That's why we offer a personalised account dashboard that gives you complete control over your account. With your dashboard, you can view and update your account, make or reschedule repayments, and easily keep track of your loan information, including balance, duration, and payment dates. You can also earn points and check your Fundo Credit Score through it.

How do I improve my current credit score?

Improving your credit score in Australia requires time and effort, but it's worth it in the long run and much better than having to type up ‘cash advance no credit Australia’ or ‘small cash loans no credit check’ in your search bar. Paying bills on time, checking your credit report regularly, limiting credit applications, reducing debt, keeping old accounts open, and considering credit monitoring services are all ways you can improve your credit score.

Improving your Fundo Credit Score, on the other hand, is made incredibly easy thanks to our system that rewards you for paying your online loan early or on time, as well as for sharing feedback and referring friends to Fundo. Wouldn’t it be nice to help your friends out so they also don’t have to look up ‘cash advance no credit Australia’ online anymore?

At Fundo, we understand that unforeseen circumstances may sometimes arise that affect your ability to repay your loan on time. That's why we offer flexible payment options and are open to discussing alternative plans with you over the phone or by email.

If you need to change your payment plan, simply speak to one of our friendly consultants to see what options may be available to you. In most cases, we will need forty-eight hours' notice to change payment dates on your loan account.

If you're unable to make a payment on time, you may be subject to late payment fees and other relevant charges, as outlined in your loan contract. However, we are willing to work with you to find a solution. Simply speak to one of our consultants to see what options may be available to you.

We also encourage our users to pay off their loans as soon as possible. Paying off your loan before its due date not only helps you avoid monthly account fees but also leaves a positive mark on any future loan applications. So if you have the means to pay off your personal loan early, consider doing so.

With a high Fundo Credit Score, you’ll probably no longer need to look up terms like ‘cash advance no credit Australia’ ‘easy loans no credit check Australia’ or even ‘instant no credit check loans’ anymore, as you’ll know you have a higher chance of approval.

Know that you’re in reliable hands with Fundo

At Fundo, we understand that when you need cash fast, you don't have time for complicated forms or long approval processes. That's why we offer quick loans online with a no-fuss application and approval process, as well as the convenience of same day loans

If you're in need of a quick online loan in Australia, don't hesitate to apply with Fundo. Our team is always here to help you with your funding needs and help you find what you’re looking for so you can stop searching up ‘cash advance no credit Australia’, ‘ no credit check fast loans’, and ‘short term loans Australia no credit checks’ online.

Apply for a loan with Fundo today!

Disclaimer: The opinions expressed in this article are strictly for informational and entertainment purposes, and are not financial advice. Commentary views are subject to change without notice.