$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.

In need of money for an emergency like car repairs or a medical bill? You might need a cash loan. Payday loans, however, may not benefit your financial well-being or fit your financial situation. Other options could serve your case better if you're looking for loans to cover an unexpected expense.

When you choose Fundo, you can end your online search for keywords like ‘cash loan payday’. We offer short-term personal loans of up to $2,000 with flexible terms and a quick application process. As well as getting you the money you need quickly and responsibly, we care about your financial well-being by offering unique perks on our platform.

When you opt for an easy and quick Fundo cash loan, payday loans from other lenders can be a thing of the past. Here’s some important information you should know about loans so you can make an educated choice.

What is the quickest loan I can get online?

While there are many quick fast loan options online, the time it takes to get a loan will vary depending on the lender and their policies. Most of the time, online lenders provide accessible and convenient loan applications to ensure you can get your money as soon as possible. 

While Fundo does not offer an advance cash loan, payday loan, or instant approval loan option, we do offer short-term personal loans with accessible loan requirements. To qualify for a loan with us, you must:

  • be at least eighteen years old;
  • be a permanent resident or citizen of Australia;
  • earn at least $300 per week, excluding government benefits or aid;
  • demonstrate an ability to meet repayment deadlines; and
  • ensure that you aren’t putting yourself in a financial bind by applying for a Fundo loan. 

While we do check your credit as responsible lenders, this isn’t the only determining factor in your application. We understand that financial situations are complicated, so we focus more on your ability to make repayments on time. If necessary, you may also submit additional documentation to support your application. 

How flexible are the payment terms for payday loans?

It’s important to consider that, when looking for a cash loan, payday options have different payment terms depending on the lender and their policies. Moreover, you may not be able to adjust your payment terms because not all lenders offer grace periods or deferments.

Unlike traditional lenders that have more rigid repayment deadlines, we offer flexible repayment options for up to 180 days for loans ranging from $500 to $2,000. You can choose between three repayment schedules: weekly, fortnightly, and monthly. We will also explain your loan details in simple, understandable terms.

Whether you're looking for ‘cash loan payday’ ‘cash payday loan’ or a quick personal loan online, you should understand your loan's terms and conditions. If you have any clarifications or questions about the loan’s terms and conditions, we're happy to answer them. 

So instead of settling for less-than-ideal loan terms and conditions, choose Fundo. Our online loan application lets us quickly and responsibly get you the money you need.

What is the difference between a personal loan and a payday loan?

When searching for a short-term cash loan, payday loan, or other type of online loan, you may come across personal loans and payday loans and wonder if there’s a difference. While both can get you money quickly and conveniently, the loan size, repayment terms, and interest rate may differ depending on the lenders and your financial situation.

Compared to an instant payday loan, a small personal loan has more flexible repayment terms and a faster application process. At Fundo, our short-term loans are easy, quick, and convenient, and you won’t need to sort through heavy paperwork as our platform makes the process more efficient. To apply, all you need to do is go to our website, click the ‘Apply Now’ button, and follow the prompts from there. If you’re approved, you also gain access to Fundo’s self-service dashboard.

On your dashboard, you can quickly view your loan details, make or reschedule repayments, and even receive tips on improving your financial well-being. From here, you can also monitor your Fundo Credit Score, which is our own unique credit system. 

Your Fundo Credit Score tracks and rewards the sound financial decisions you make with your outstanding Fundo loans. You can improve your score by paying on time or early, leaving feedback, referring friends to Fundo, or using Fundo as your primary lender. A high Fundo Credit Score increases your chances of getting another loan in the future.

If you have any questions about bad credit cash loans or ‘online loans Australia’, you can contact us and let us help you figure out what suits your situation. We are available via phone and email from Monday to Friday, 9.00 a.m. to 6.00 p.m., and Saturday, at 9.00 a.m. to 5.00 p.m.

If you’re looking for a small cash loan, payday loans don’t have to be your only option. Apply for a teeny tiny loan at Fundo today!

Disclaimer: This article is intended for general information and entertainment. Unless otherwise stated, this article does not offer financial advice or recommendations and may be updated without prior notice if new news or views emerge.