$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’ve been looking for ‘cash to payday loans’, then you’re familiar with the disappointment of finding out it can take days to weeks just to hear back from some mainstream lenders. This is especially frustrating if you need to hear back on your application quickly.

There must be an alternative – and thankfully, there is, in the form of online direct lenders like Fundo.

At Fundo, we make getting a loan easy, quick, and simple with our fully online application process. You can apply from anywhere at any time and even get a decision on the same day if the conditions are met.

Before we jump into an application form, however, there is some information you’ll want to read first. Let’s get to it!

Are there alternatives to payday loans that are easy to get?

When it comes to alternatives to ‘cash to payday loans’, a small, short-term loan is your best option. But what are they, and what makes them a good choice for your situation?

Personal loans are intended for individual or personal expenses and typically come in two categories: secured loans, such as secured payday loans from pawnshops, which require collateral, and unsecured loans, like 24/7 instant loans from specialised lenders.

At Fundo, we offer unsecured simple cash loans with minimal requirements, which are the following:

  • The applicant must be at least 18 years old.
  • The applicant is an Australian or permanent resident.
  • The applicant earns at least $300 a week, not counting government benefits.
  • The applicant has a clear, demonstrable plan for paying off the Fundo loan on time.
  • The applicant won't be under undue financial pressure if they take out a Fundo loan.

Regarding these criteria, they do not automatically guarantee loans fast approval. However, they do give an application a better chance of getting positively reviewed by our team.

In the same vein regarding ‘cash to payday loans’, we encourage our borrowers to have an income source that’s separate from their government benefits or allowances. This is because if a borrower relies solely on such benefits for their finances, we may have to ask them to apply for a short-term loan at a later time when they can meet our minimum income criteria.

If you have any questions about our application process or criteria, please don’t hesitate to reach out to us. We can be reached Mondays through Fridays (9.00 a.m. to 6.00 p.m.) and Saturdays (9.00 a.m. to 5.00 p.m.).

What can affect my chances of getting approved for payday loans?

When it comes to ‘cash to payday loans’, you can improve your chances of getting your application approved through a fun feature called the Fundo Credit Score.

The Fundo Credit Score is a unique scoring system that is separate from your credit score assigned by credit reporting agencies like Equifax, Experian, or illion. The Fundo score increases your chances of approval: the higher your score, the better your application’s chances are.

You can increase your score by repaying your cash loans on time or even earlier; this has the added benefit of reducing the overall monthly account fees you’ll be paying. You can also increase your Fundo score by referring Fundo to your friends and family, as well as by leaving us feedback or reviews on your experience borrowing from us.

The more you interact with your Fundo Credit Score, the higher your chances of gaining more points, making it a fun and enjoyable exercise that helps you get the funds you need.

You can keep track of your Fundo points through the self-service dashboard as well. The dashboard is your central portal for everything Fundo-related. Through it, you can review your loan documents and repayment schedule, check on your repayment history, and update your Fundo account information.

If you’re a returning borrower, you can also take advantage of our feature that lets past customers complete a new application for a loan with just three easy clicks.

At Fundo, we aim to make your search for ‘cash now loans’ and ‘cash to payday loans’ not just practical but more engaging. And while we don’t promise loans paid instantly, we can promise you a memorable experience when borrowing with us. 

Who decides the amount I can borrow from payday loans?

Regarding ‘cash to payday loans’ and Fundo, how much you can borrow from Fundo is up to you!

Of course, there are some caveats. Our small quick fast loan range from $500 to $2,000, with flexible repayment terms of up to 180 days. If you’re looking for ‘money loans quick’, you’ll also be glad to know that if you submit your application and get approved during business hours, chances are you’ll get the money on the same day.

That being said, our processes are separate from bank processes. Should you be notified of your released loan funds and the amount is not yet reflected in your nominated bank account, please contact your bank representative first regarding the matter. We’ll also check on our end and do our best to get your money to you right away.

Your search for cash loans and ‘cash to payday loans’ has now ended at Fundo – so what are you waiting for? Apply for a small, short-term loan with us today!

The opinions expressed in this article are strictly for entertainment and general informational purposes and should not be taken as financial advice. Comments and opinions are subject to change without notice.