$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.

Need Cash Before Payday? Fundo It Instead!

We get it: sometimes you need cash before payday rolls around. To some, that might mean taking out a payday advance and bracing every time a payday comes. However, if you consider our personal loans at Fundo instead, your repayments can be flexible and our range of exclusive benefits can even make everything convenient.

Join us as we discuss what to be wary of when looking up payday cash advance options and how personal loans can be an alternative.

Payday or mayday?

Cherishing moments through financing

Don’t just think about emergency funds when securing cash before payday comes. Life is about cherished moments and sometimes they come with a price tag. Whether it’s a romantic wedding, a memory-packed holiday or an unforgettable birthday bash, finding the right kind of financing can transform your dreams and desires into reality.

After all, some people may not want to break their savings or disrupt their weekly budget and borrowing can help them enjoy life without thinking about those factors.

Same wants, modern procedures

Today’s digital landscape hasn’t really changed what we want; it’s just reshaped how we get it. Before, if you wanted to get cash before payday arrived, you would have to go to a bank. However, borrowers can now find options online, whether it’s a personal loan or a cash payday advance. Just remember to be discerning; not every shiny offer is golden.

Behind cash and payday advances

Sure, they may be quick and convenient on paper, but what do they really entail?

They’re a credit product with repayments that are often tied to your payday. When that date sneaks up, the strict repayment methods may make it difficult to manage your loan, not to mention that possible hidden fees could add to this as well.

As such, it’s important to find a flexible, accessible and responsible lending option. If that’s what you’re after, consider our personal loans at Fundo instead of cash advances or payday loans online.

Frequently Asked Questions (FAQ)

Will a cash advance affect my credit score?

Just like most forms of financing, a cash advance can appear on your credit report. It’s important to note that if you’re someone who wants cash before payday rolls around, too many applications in a short period of time can negatively influence your credit score.

In addition, cash advances and other similar options like payday loans or certain same day loans may have hidden fees and strict repayment methods compared to personal loans. This could make it more difficult to handle repayments and subsequently maintain your credit score.

If you opt for our personal loans at Fundo instead of a cash advance, not only can you get flexible, tailored repayment options, but you can also experience our exclusive Fundo Credit Score system as an added benefit.

The Fundo Credit Score is different from the credit score you get from credit reporting agencies. You can make repayments on time or in advance to increase your Fundo Credit Score. This way, if you’ve built up a favourable Fundo Credit Score, you’ll have a better chance of being approved for a future Fundo loan.

What documents do I need to apply for a cash advance?

As someone who wants to get cash before payday comes around, keep in mind that most reliable payday advance lenders typically have varying document requirements.

Generally, you’d need proof of income like a bank statement or pay advice, account details and a valid photo ID. Depending on the lender, you could submit these eligibility requirements online or physically at one of their locations.

However, if you choose Fundo’s personal loans rather than a cash advance, you can rest assured that the whole process is done online, from the application all the way to potential repayments should you get approved.

This way, you can get a chance to end your search for terms like ‘payday advance borrow money’ or perhaps even ‘payday advance no credit check’ online and opt for our personal loans instead.

To be eligible, simply ensure and present documents showing that you are:

  • at least eighteen or above during application;
  • a tax-paying resident or citizen in Australia;
  • making a steady minimum income of $1,000 fortnightly (government benefits included);
  • able to showcase your capability to follow repayment deadlines; and
  • not going to be placed under undue financial pressure after borrowing at Fundo.

How do I choose a reputable lender?

Since you’re keen on getting cash before payday comes along, choose a reputable lender by doing some research. This involves looking up customer reviews and experiences, ensuring that they have the right licence and, last but not least, thoroughly reading through their offer’s terms and conditions.

However, if you go for Fundo’s personal loan option instead of a quick cash advance or payday cash option, you can have an easy time assessing what we have to offer, since everything is transparent with us. From fees to repayment durations, we make it a point to provide you with pertinent information before you give us the thumbs up.

What’s more, you can effortlessly navigate through our platform to see what our customers have to say about our personal loans and even reference our Australian Credit Licence (491418) if you need to.

Looking for cash before payday hits? Forget about early wage access from a payday advance or other wage advance options. Consider Fundo instead!

Fast forward with Fundo

We at Fundo believe that obtaining a personal loan shouldn’t be a lengthy or complicated affair. No one wants to deal with intricate forms, exhaustive approval procedures and, of course, endless waits. What you need is quick online financing and that’s exactly what we specialise in.

Apply for our personal loans instead of payday advance loans and enjoy your dream purchases without having to put up with complications!

Disclaimer: Please note that we may be able to offer cash before payday comes, but we don’t offer payday loans or repayments tied to your next pay receipt. Here at Fundo, we can offer personal loans and may be able to provide you with financing if you’re eligible – just like the thousands of Australians we’ve already helped.

Unless specifically stated otherwise, the opinions and views contained in this Fundo article are only intended for general informational purposes. As such, they should not be seen as personalised financial advice and recommendations of any kind. Furthermore, any views here are subject to change at any time without prior notice.