$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.

If you’re in search of ‘cash loan instant approval’, you may be in need of a quick, small loan. However, it may seem like there are several obstacles in your way, like heaps of paperwork and financial information, before you can even be considered for an application. Some physical lenders require some form of collateral for their loans – collateral that you may not have access to or are not in the financial position to offer.

If you’re looking for ‘small loans fast approval’ for a simple one-time expense, this type of situation doesn’t seem fair.

We at Fundo agree – especially when you only require a reasonably small loan amount. Whether it’s to get an upgraded mobile device for school or work or to cover home or car repairs, we all need some financial help from time to time.

Fundo offers more accessible loans compared to most mainstream lenders, with lower or less complicated borrower requirements. With loan offers ranging from $500 to $2,000, our borrowers get fast and easy access to loans, with approval during the same day possible, so no longer have to search through results for ‘cash loan instant approval’.

Before we jump into applying for a loan, however, let’s talk about some basics regarding eligibility requirements for Fundo loans.

Does my job affect the results of my loan application?

At Fundo, your job or employment type shouldn’t affect your ability to apply for a loan. This is because instead of an employment type requirement, Fundo has a minimum income requirement instead.

We have minimal eligibility requirements for our applications, which are the following:

  • You’re at least eighteen years old when you apply.
  • You’re an Australian citizen or permanent resident.
  • You’re earning at least $300 a week, not counting any government benefits.
  • You have a clear and demonstrable plan for completing your Fundo loan on time.
  • You won’t be under undue financial pressure by taking on a loan with us.

These are the key requirements we look for in loan applications, so those looking for ‘cash loan instant approval’ may have an easier time applying for a small loan. While meeting all of them does not automatically guarantee your instant or fast loan approval, it will give your application a better chance of getting approved for a clear cash loan.

In the same vein, we encourage our borrowers to have a separate income source when applying for our loans. This is because Fundo follows the responsible lending laws established by both federal and state governments. We may have to ask you to reapply at a later time if you rely solely on government benefits or allowances for your finances.

Don’t worry, though – we always endeavour to give all borrowers a fair chance and take into consideration your complex financial situations when reviewing applications.

Do I have a higher chance of getting my loan approved with a referral?

At Fundo, the answer is yes. While we don’t offer instant online loans, we do offer better chances at online quick cash loans compared to more traditional lenders. This is possible through our Fundo Credit Score.

The Fundo Credit Score is a scoring system that’s separate from your credit score from agencies like Equifax, Experian, or illion. It’s unique to your account, and the higher your Fundo score is, the better your application’s chances of getting approved when you next apply for a new loan.

Among the many ways to improve your Fundo Credit Score is through referral – you can earn points by referring a friend to Fundo and their loan application gets approved. 

You can also increase your Fundo Credit Score by repaying your loans on time or even earlier. Because Fundo doesn’t penalise early repayments, you can easily clear out your current loan, earn more Fundo points for possible future loan approval, and lessen your monthly account fees in one go.

Other methods of increasing your Fundo score include signing up for an account with us and leaving us a review regarding your experience with our loan products. This is our way of giving back to our regular borrowers, as well as giving them better chances at fast small loans they may not otherwise have access to through mainstream lending.

So if you need to borrow money quick, stop searching for ‘cash loan instant approval’ – Fundo’s loans aren’t just more accessible, but they’re more engaging as well.

What type of ID is best used for loan applications?

Generally speaking, government-issued IDs are best for applications for cash loans online, as they can be more readily verified. At Fundo, for example, we accept passports, driver’s licence cards, and Medicare cards as proof of identity. 

We may also enquire about your credit score, but don’t worry – your credit score isn’t the defining factor for your loan application with us. Rather, it’s just one of many, as we take into account your financial situation and other factors when reviewing your application for a short-term loan.

Our loan consultants review each application independently of one another to ensure that each one gets a fair chance. This does mean that while we offer same-day approval and fund release for eligible applications, our team of loan consultants also maintains business hours to process applications.

For example, if you submit your application close to the end of the business day, we will get to it the following business day. Similarly, if you apply during the early hours of the morning, our team is likely to process it once business hours begin.

To that end, our business hours are from Mondays to Fridays, 9.00 a.m. to 6.00 p.m., and Saturdays, 9.00 a.m. to 5.00 p.m. If you plan to apply at Fundo to loan money fast, this information may be highly useful to keep in mind.

We at Fundo are committed to providing accessible loans to a wider range of borrowers in a new and more fun way, with cash loan instant approval possible on the same day for eligible applications.

So if you need cash today, stop looking for ‘cash loan instant approval’ and apply for a small short-term loan now with Fundo!

Disclaimer: Please note that the opinions expressed in this article are solely for informational and entertainment purposes and should not be considered financial advice or recommendations. Unless otherwise stated, any commentary is also subject to change without notice.