$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.

Meet The Easy Fundo Alternative to ‘Emergency Loan No Credit Check’

Urgent loans like ‘emergency loan no credit check’ can be a financial lifeline when unexpected expenses sneak up on you.

Life happens and sometimes it’s not in our favour. Maybe your car decided today was the day to break down, or a medical emergency swooped in out of nowhere. Thanks to the rise of online lending, you can easily find lenders for emergency loans or quick personal loans that will decide on your application on the very same day you apply.

But what if you’re looking for online cash loans that are more flexible than emergency payday loans?

This is where Fundo comes in. We don’t offer ‘emergency loan no credit check’ options, but we do have quick processes. With an online application procedure that responds within hours, you’re not left hanging while life’s little curveballs keep coming your way.

At Fundo, we’re committed to making borrowing loans as seamless and easy as possible. With innovative features like our self-service interactive dashboard and our very own Fundo Credit Score, we elevate your borrowing journey, transforming how Australians like you experience loans online.

Frequently Asked Questions (FAQ)

How does an emergency loan without a credit check work?

An ‘emergency loan no credit check’ option is a type of loan that is provided without the lender performing a credit check to assess your creditworthiness. In turn, these loans can be processed more quickly, making them attractive to people in urgent need of funds.

However, because the lender doesn’t assess credit risk in the traditional way, instant approval loans and emergency loans without credit check offers may have associated charges or fees that make them significantly more expensive than loans that do require credit checks.

At Fundo, you can rest assured that our disclosed fees adhere to standards established by lending legislation. We also disclose any fees you may encounter with your loan upon approval, so there won’t be any unpleasant surprises during the repayment period.

What types of emergencies are suitable for this loan?

Loans that fall under the category of ‘emergency loan no credit check’ are typically used for situations that require immediate financial assistance, like to cover utility bills, medical expenses, or home repairs. Additionally, some lenders that offer no credit check loans and quick approval loans may restrict how you spend the money.

We do no such thing at Fundo; if your application meets our criteria and you can complete your repayments on time, we won’t tell you how you can utilise your borrowed funds should your application be approved.

Our eligibility criteria at Fundo are as follows:

  • You must be at least 18 years old at the time of your application.
  • You must be a citizen or tax-paying resident of Australia.
  • You have a fortnightly income of $1,000, including government benefits.
  • You can demonstrate your ability to meet repayment deadlines.
  • You will not be placed under undue financial pressure by borrowing from Fundo.

We may conduct hard credit checks, but your credit score only plays a minor part in our decision-making. Our application review process will also take into account your current ability to repay your loans, as well as other factors.

Can I get an emergency loan with no credit check if I’m unemployed?

Generally speaking, getting approved for an ‘emergency loan no credit check’ offer while unemployed can be challenging but not entirely impossible. There are lenders who specialise in different types of loans.

At Fundo, because one of our requirements is a minimum fortnightly income requirement, unemployed individuals will generally be ineligible to borrow from us.

That doesn’t mean we shut out borrowers with unconventional work situations or incomes looking for ‘emergency loan no credit check’ alternatives. We also accept pensions and government allowances or benefits as supplementary income, should your regular income not meet the minimum.

We’re also open to considering applications from borrowers who are seasonal or part-time workers, provided that you can demonstrate that you can repay your loan on time and that a Fundo loan won’t place you under undue financial strain.

If you have any enquiries about our eligibility criteria for same day loans, don’t hesitate to reach out to us during our business hours. Our lines are open from Mondays through Fridays (9.00 a.m. to 6.00 p.m.) and Saturdays (9.00 a.m. to 5.00 p.m.), Sydney time.

Fundo: Your Go-To Lender for Quick Online Loans

Sometimes, life’s unpredictable nature leaves you seeking out ‘emergency loan no credit check’ options, stat. At Fundo, you have options that go beyond the limits of the usual payday loan.

If you’re looking for a personal loan for no credit, an instant approval loan no credit check needed, or a payday loan now, know that you have alternatives here at Fundo that could be more flexible than these. We don’t offer urgent payday loans, ‘loans no checks’, or no credit check pay loans – but when you see what our loans can offer, we’re confident you’ll prefer our loans over these instead.

We also pride ourselves on being more than your usual online lender. As an Australian-owned lender, we’re uniquely understanding of your borrowing needs and the challenges you might face with payday loans online. Our mission is to make sure that getting fast cash loans is as hassle-free and convenient as possible, even if your credit score is less than ideal.

At Fundo, we promise no hidden fees, no complicated lending talk and no confusing jargon – just easy-to-understand, quick loans online. So, when life happens and you need to act fast, don’t hesitate to reach out to us. Apply for a Fundo loan today!

Disclaimer: Please note that we do not offer ‘emergency loan no credit check’ options. At Fundo, we provide personal loans and may be able to help you, like the thousands of Australians we have already helped.

The opinions expressed in this article are strictly for informational purposes only and are not intended to be taken as financial advice. Views may change without notice at any time.