$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.

Looking for a cash loan fast approval? Now is as good a time as any.

Today, there are more lenders than just the mainstream or traditional options like banks or pawnshops. Compared to the long waiting times and exhaustive loan requirements that traditional lending facilities demand, there are now direct lenders like Fundo that offer more accessible loan options at half or even less than that for general requirements.

With small, short-term loans ranging from $500 to $2,000, Fundo has joined the lending market for more accessible loan products for a wider range of borrowers. 

That being said, there are some things you’ll want to know about our loans, especially if you’re looking for cash loan fast approval. Let’s talk about it.

How long does it take for online loan applications to be processed?

When it comes to cash loan fast approval, Australia loans online can take anywhere from a few hours to a week at the longest, depending on the lender and the type of fast instant cash loans you’re planning to apply for.

This is because each loan type has its requirements. Most online loans available are what we call personal loans, which are intended for individual expenses.

Of the many myriad loan offerings available in the market, personal fast approval loans typically fall under two categories: secured loans, which require collateral, and unsecured loans, which do not. Online fast instant cash loans usually fall under the latter category, though some personal loans, such as some payday or weekend loans, may fall under the former.

That being said, eligible Fundo loan applications are generally processed within the same business day that we receive them, barring unforeseen circumstances. This makes it possible for us to offer same-day approval and even same-day funds release for eligible applications.

We should emphasise, though, that loan applications sent to us are processed independently by our loan consultants. This is so we can give each application a fair assessment of creditworthiness.

Can I send in a second application as soon as my first one is declined?

Credit reporting agencies like Experian suggest that you wait three to six months before reapplying for a loan with the same lender to give you time to address the issues that led to your application being declined.

Many factors can affect your application’s chances for easy cash loans being approved.

At Fundo, for example, we’re likely to ask you to reapply for a cash loan fast approval when you have a different source of income if your financial situation relies solely on government benefits, such as concessions, allowances, or pensions.

These are among the reasons why we offer our borrowers the Fundo Credit Score. It’s our unique scoring system that aims to engage our borrowers in healthy loan practices while also improving their chances of fast loan approval.

You can increase your Fundo Credit Score by repaying your quick fast loan on time, referring us or our products to your friends and family members, or giving us feedback on your experience borrowing from us. The higher your Fundo Credit Score, the better your application’s chances of getting cash loan fast approval, so we encourage you to take advantage of this feature when you can.

What factors should I focus on to improve my chances of loan approval?

We’ve already mentioned a few of our eligibility requirements for Fundo loan applications. If you’re curious about the key requirements similar to it, then they are the following:

  • You must be at least eighteen years old when you apply.
  • You must be a tax-paying Australian citizen or permanent resident.
  • You must be earning at least $300 a week (excluding any government benefits).
  • You must have a demonstrable plan for repaying your Fundo loan on time.
  • You won’t be under undue financial pressure by taking on a Fundo loan.

Fundo follows the responsible lending laws governing direct lenders on both the federal and state levels. These laws, which also establish industry standards for loan fees and other associated costs, oblige us to exercise discretion when approving an instant cash loan.

This means that if we believe your application for cash loan fast approval may place you in financial hardship if approved, we may ask you to reapply at a later time.

We want to be fair, however. At Fundo, your credit score doesn’t define your application for cash loan fast approval – it’s only a minor factor in our assessment process. We look beyond your credit score and history and consider your complex financial situation and living circumstances, particularly if you have less-than-ideal credit scores.

Fundo believes everyone deserves a fair shot at small, short-term, quick approval loans. With that in mind, if you’re looking to apply with us because you need to borrow money today, our business hours are from Monday to Friday, 9.00 a.m. to 6.00 p.m., and Saturday, 9.00 a.m. to 5.00 p.m.

We suggest sending your applications during these times for better chances of a same-day review of your loan application.

A money fast loan is a great tool for managing your finances if utilised well, and we feel that our borrowers understand this responsibility. Give yourself some credit (in more than one sense of the phrase) and apply for a Fundo loan today.

The opinions expressed in this article are for informational and entertainment purposes only and should not be construed as financial advice or recommendations. Any commentary or stated opinions may change without notice.