$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.

Skip The Easy Payday Loans: Why You Should Choose Fundo

There’s a rising demand among Australians for instant loan approval on easy payday loans and with the digital era in full swing, online payday lenders are more accessible than ever.

It’s no wonder that the convenience of online loans is becoming the go-to for manypeople who turn to easy payday loans with low interest rates for a swift financial fix. However, there are still lenders who stick to the traditional ways of lending, where the application process often feels like a never-ending loop of paperwork, credit checks and occasional disappointments.

People with less-than-perfect credit histories, for whom obtaining same-day payday loans may seem full of insurmountable obstacles, feel this the most.

But here’s a silver lining: there are game-changing lenders that lend to a wide range of borrowers, including those with poor credit scores and Fundo is among them.

The Rise of Online Lenders like Fundo

Digital technology has brought about a new era of lending, where long waits and tedious paperwork are being phased out. With the rise of 24/7 payday loan services and fast cash loans, a variety of loans, such as easy payday loans or easy repayment payday loans, are often just a few clicks away.

But as with all good things, there’s a flip side to quick loan options. The rapid growth of online lending has its own set of challenges, such as inflexible lending terms or repayments or hefty interest rates.

You’ll be glad to know that that’s not the case with Fundo. While we don’t offer emergency cash advances or no credit check loans, we do offer small-to-medium personal loans and short-term loans that are just as robust for your myriad needs or preferences.

We offer you a seamless borrowing experience, from your fully online application to potential approval. At Fundo, there are no hidden charges, no jargon and no confusing legal talk. Along with flexible repayment options and unique innovations like our interactive dashboard and the Fundo Credit Score, we’re confident that you’ll change your mind and make the switch to us.

Frequently Asked Questions (FAQ)

What are the basic requirements for a payday loan?

Lenders generally have eligibility criteria for their loans, whether they’re short-term loans or easy payday loans, that applicants should ideally meet to be approved. At Fundo, these are the general requirements that we will request from you when you apply.

  • Age requirement. You must be at least eighteen years old to apply for and be approved for a Fundo loan.
  • Proof of income. We want to know if you have a stable source of income to repay the loan. This could be through pay advices, bank statements, or other proof of regular earnings.
  • Proof of identification. You must be an Australian citizen or tax payingresident to apply. Consequently, we’ll request a copy of a valid government-issued ID to verify your identity.
  • Proof of residency. Depending on the loan you’ve applied for, we may require proof of residency for the state you indicate as your home address. This could be a utility bill or a similar document.

At Fundo, we’re all about making the process as hassle-free as possible. Consider our personal loans over easy payday loans; we may have a more suitable loan offer for you.

Do payday lenders perform credit checks during the application process?

Generally speaking, many lenders, including online payday lenders for quick cash loans and those offering fast online payday loans for bad credit borrowers, perform credit checks during the application process. However, the extent and nature of these checks can vary significantly between lenders.

A soft credit check isn’t recorded on your credit history and focuses more on verifying your identity and providing a general overview of your creditworthiness.

A hard check, on the other hand, involves checking your credit history report with one of the major credit reporting agencies. In Australia, these agencies are Equifax, Experian and illion. Hard credit checks are recorded on your credit history and could negatively impact your credit score, especially if you’ve applied for multiple easy payday loans at the same time.

At Fundo, your credit score is only one factor we look at when deciding on your application.

While we do perform hard credit checks in some instances, your credit score plays a small role in the decision-making process. We also consider other factors when reviewing applications, such as your current ability to meet repayments.

Are self-employed individuals eligible for payday loans?

Depending on the lender, self-employed individuals can be eligible for easy payday loans, quick cash payday loans, and other loan types. Self-employed individuals may need to provide supporting documents, such as recent tax returnsor bank statements, to demonstrate a consistent income.

At Fundo, we want to give borrowers a fair chance. We know the self-employed hustle hard, and we’re here to be supportive.

If you’re a seasonal or part-time worker, or if you supplement your income with a pension or government allowance, we’re more than happy to take a look at your circumstances should you apply. Please have your financial documents in order and ready to go, in case we request copies.

If you have questions about your eligibility as a self-employed individual, don’t hesitate to reach out to us during business hours. Our lines are open from 9.00 a.m. to 6.00 p.m. (Sydney time), from Mondays through Fridays, and from 9.00 a.m. to 5.00 p.m. (Sydney time) on Saturdays.

Whether you’re looking for an instant approval loan no credit check or a no credit check small loan, we’re confident we have an alternative that would suit you.

Fundo: Your Quick Online Loan Experts in Australia

Sometimes, unexpected expenses pop up and you find yourself in need of quick money before payday.

That’s where Fundo excels. Fundo has small-to-medium loan alternatives to payday cash loans, instant payday loans and urgent payday loans. Our streamlined process means you can apply with just a few clicks and receive a decision in just a few hours.

Life’s unexpected moments shouldn’t leave you in a financial bind. The next time you’re in need of a loan in Australia, think about us first. Apply for a Fundo loan today!

Disclaimer. Please note that we do not offer easy payday loans. At Fundo, we provide personal loans and may be able to help you, like the thousands of Australians we have already helped.

All opinions expressed are strictly for general informational purposes and should not be construed as financial advice. All views are subject to change without notice.