$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.

Fundo: The Innovative Alternative to Emergency Payday Loan Offers

Looking for an emergency payday loan to cover an urgent expense? While these can seem helpful in times of need, some Australians have a more strategic alternative in mind – Fundo’s small and medium loans.

Read on to learn more about your options so you can make a good financial decision that could benefit you not just in the short term but in the long term as well.

Fast Cash Solutions in Today’s World

The Need for Speed

Short-term emergency loans, similar to payday loans, are presented as a solution for urgent needs like medical emergencies or car repairs because of their quick approval process.

However, like no credit check loans, these typically come with some drawbacks. They typically require you to pay off the loan as soon as your next pay creditarrives. Some even have hidden fees, so you end up paying more than you initially planned.

Before committing, it’s best to do research, compare rates and ensure the loan fits your circumstances.

The Fundo Advantage: A New Age in Loans

Streamlined Loan Experience for Aussies

Thankfully, your options aren’t limited to loans with surprise fees or very short repayment terms.

At Fundo, while we don’t have emergency payday loan options, we do offer small and medium personal loans. With just a few clicks, you may be able to enjoy same-day decisions and get closer to cash before payday hits. Whether you’re applying or repaying, our completely digital approach gives you the freedom to efficiently manage your finances.

Post-Application: Prompt Responses and Clear Terms

Post-application wait times are minimal with Fundo. If you apply and get accepted during business hours, which are Monday to Friday from 9.00 a.m. to 6.00 p.m. and Saturday from 9.00 a.m. to 5.00 p.m. Sydney time, chances are you may receive your funds on the same day!

Our online application is accessible 24/7 for your convenience. If you apply outside of business hours, don’t worry, as our team will do our best to get to your application the next business day.

However, keep in mind that each bank’s processing time varies. As a result, some payments might only be accessible the day after your approval.

Flexible Repayment Plans Tailored for You

At Fundo, your financial well-being is our priority and we understand why you may want to turn to an emergency payday loan for your immediate needs but be apprehensive due to repayment methods and fees. As such, we try our best to get to a decision on your loan quickly and then, possibly, work together with you to devise a repayment strategy suited to your individual circumstances.

Frequently Asked Questions (FAQ)

What are the eligibility requirements for an emergency payday loan?

To be eligible for an emergency payday loan, individuals typically need to be at least 18 years old, have a verifiable source of regular income and possess an active bank account. Additionally, lenders may assess other factors, such as credit history and overall financial stability, to determine loan approval.

At Fundo, while we don’t offer these types of loans, we do have minimal requirements for our personal loans. To qualify, 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 $1,000 per fortnight, including government benefits
  • demonstrate an ability to meet repayment deadlines; and
  • ensure you will not place undue financial pressure on yourself by borrowing from Fundo.

If you meet all these requirements, head on over to our homepage, click on ‘Apply Now’ and simply follow the prompts to get closer to the funds you need, so you don’t have to turn to a cash advance or easy approval payday loans.

Is a good credit score necessary for an emergency payday loan?

It ultimately depends on the lender as to how much a credit score matters.

At Fundo, we take a holistic view of your financial history, which means we don’t just look at your credit score to assess your creditworthiness. Instead, we focus on your current ability to repay the loan. Whether you have a less-than-ideal credit score or a pristine one, you’re welcome to apply as long as you meet the requirements.

Furthermore, we’ve introduced the Fundo Credit Score, which is different from the score you get from credit bureaus. While we may conduct credit checks, our system also rewards timely or early repayments. Providing feedback or referring acquaintances to Fundo can further elevate your score, enhancing the potential for loan approvals in the future.

How much money can I borrow with an emergency payday loan?

The borrowing amount for an emergency payday advance can vary based on the lender and the applicant’s income. Typically, these same day loans and cash fast, no credit check offers can range from a few hundred to several thousand dollars.

At Fundo, we offer small and medium loans, ensuring our customers can access funds tailored to their specific needs without the burden of excessive debt.

Fundo: Your Quick Online Loan Expert

Life’s unexpected moments don’t wait for the perfect financial situation.

When you’re in a pinch and need a loan for no credit history, fast payday loans, or a personal loan without credit check, Fundo is here to offer alternatives. With a focus on convenience and efficiency, our no-fuss application process may be what you need.

Looking for quick online loans in Australia? Leave the jargon and complications behind; Fundo’s got you covered.

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

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