$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.

Are you constantly searching for ‘emergency cash loans no credit check unemployed Australia’ or ‘bad debt loans no credit check’ but struggling to find a solution? At Fundo, we understand the stress and uncertainty of not having enough funds, especially when you have less-than-optimal credit or even no credit history. 

We specialise in providing financial assistance to a wide range of approved borrowers with flexible loan options and minimal eligibility requirements. Get the peace of mind you need with Fundo’s emergency cash loans and get closer to the funds you need, especially during urgent cash gaps.

What are the loan options for people who are unemployed in Australia?

In Australia, individuals looking up ‘urgent cash loans for unemployed’ have a variety of loan options to choose from, such as emergency loans, no-interest loans, and no-job loans. These loans are typically short-term and can be used to cover small, unexpected expenses such as medical bills or vehicle repairs.

However, these loans may come with certain limitations, such as having steep fees, requiring collateral, or requiring an invoice to disburse the funds.

Moreover, not all lenders offer loans to those who are unemployed and typing up ‘emergency cash loans no credit check unemployed Australia’ online. Responsible lenders develop their own set of eligibility criteria to ensure that borrowers won’t be put under undue hardship by taking out a loan.

Before applying for a loan, it’s important to check the lender’s specific criteria and requirements to see if you qualify. At Fundo, we offer quick loans ranging from $500 to $2,000 and have simple eligibility criteria. 

To be eligible for a quick fast loan at Fundo, you must:

  • be at least eighteen years old at the time of your application;
  • be a citizen or tax-paying resident of Australia;
  • earn at least $300/week in regular income, excluding government benefits;
  • demonstrate an ability to meet repayment deadlines; and
  • not place undue financial pressure on yourself by borrowing from Fundo.

Our online application form is available 24/7, and we process applications Monday through Saturday, so you can get closer to the funding you need without having to search for ‘emergency cash loans no credit check unemployed Australia’ or ‘instant small cash loans’ online. 

If you’re approved during business hours, there is a chance you may receive the funds on the same day, but it’s worth keeping in mind that the time it takes for the funds to be available may vary depending on your bank’s processing time.

Do loan lenders offer easier repayment terms for the unemployed?

Loan lenders may offer easier repayment terms for the unemployed, but it will depend on the lender and the specific loan product. Some lenders may be more willing to work with individuals who are looking up terms such as ‘emergency cash loans no credit check unemployed Australia’ and offer more flexible repayment options, such as a longer repayment period or the ability to make smaller payments.

At Fundo, we understand that every borrower’s situation is different, and that’s why we offer flexible repayment periods for our online quick cash loans. For approved borrowers, we offer repayment periods of up to 180 days, giving you the flexibility to pay back the loan on your own terms. This means that you can choose a repayment schedule that works best for you and your current financial situation. 

You may opt to spread out the cost of the loan over a longer period, making the weekly, fortnightly, or monthly repayments more manageable, and with our self-service account dashboard, you can easily manage your loan and keep track of your information. 

With Fundo, you have the flexibility to access and manage your online loan at any time, giving you the control you need to stay on top of your finances.

What should I keep in mind when applying for loans while unemployed?

When applying for loans while unemployed, consider your credit score, income, collateral or co-signer, applicable fees and interest rates, ability to repay the loan, and government-funded programs such as loans for the unemployed on benefits. 

Be sure to read the terms and conditions carefully and consider seeking financial advice before signing any loan agreement with lenders you found while looking up ‘emergency cash loans no credit check unemployed Australia’.

At Fundo, we understand that a person’s credit score doesn’t always provide the full picture, which is why we’ve developed our own credit scoring system, the Fundo Credit Score. Our system rewards borrowers for paying their online loans early or on time, as well as for sharing feedback and referring friends to Fundo. 

This way, the higher your Fundo score, the higher your chances of being approved for our fast loans. Additionally, we offer special discounts and benefits for improved Fundo scores. Even though we do require our borrowers to be employed and make at least $300 per week, our system allows us to look beyond just the credit score and take other factors into account.

No stress, no hassle – just quick and easy online loans in Australia

At Fundo, we understand that unexpected expenses can come up at any time for those looking up ‘emergency cash loans no credit check unemployed Australia’. When you need cash fast, the last thing you want is a complicated application process or a long wait for the outcome. That’s why we offer easy cash loans to eligible applicants, so you can get closer to the funds you need quickly and easily. 

Our no-fuss online loan application and fast loan approval process means qualified borrowers can get closer to the loan they need in no time. Whether you’re dealing with an emergency or taking advantage of a great opportunity, Fundo is here to help you make steps towards the fast and convenient loan you need so you don’t have to search for ‘emergency cash loans no credit check unemployed Australia’ anymore. 

Apply for a loan with us today!

Disclaimer: Unless otherwise specified, the opinions expressed in this article are strictly for general informational and entertainment purposes only and should not be taken as financial advice or recommendation. Any commentary views are subject to change without notice at any time.