Frequently Asked Questions
Same day funds up to $5,000
Same day funds up to $5,000
Finder
We approved 320+ loans in the last 24 hours!
We want to help as many Australians as possible!
Fundo is a responsible lender - as such, you must meet certain criteria to be eligible for one of our great products!
We look forward to assessing your application!
It is not a strict requirement that you must be employed to be eligible for a Fundo loan.
In order to comply with our obligations as a responsible lender, you must have an income of at least $500/week ($1000 per fortnight) which can include government benefits.
We regularly service individuals with complex employment situations – please contact us to discuss your circumstances.
Fundo often lends to those who receive a pension.
Fundo is a responsible lender – as such, you must meet certain qualifications in order to be eligible for one of our great products!
As a pensioner, you must earn at least $1,000 per fortnight, which can include other government benefits. We will assess your overall financial position to determine if we can provide a loan to you.
As part of our assessment of your application, we will work out the most appropriate loan term according to your circumstances. We do not want to place you in a position of difficulty in meeting the repayments but we also do not want the loan term to be excessive, therefore costing you additional fees and interest(if applicable).
If the loan term we select ultimately is unsuitable for you, we will be happy to consider extending the term. Just ask us!
As part of our assessment of your application, we will work out the most appropriate loan term according to your circumstances. We do not want to place you in a position of difficulty in meeting the repayments but we also do not want the loan term to be excessive, therefore costing you additional fees and interest.
If the loan term we select ultimately is unsuitable for you, we will be happy to consider extending the term. Just ask us!
We encourage our customers to pay off their Fundo loans as soon as possible!
The quicker you pay your loan, the less you will be charged in monthly account fees or interest (if applicable).
Paying off your loan before its due date will increase your Fundo Score, which may assist you if you choose to apply with Fundo again in the future.
We are open to discussing payment options with you over the phone or by email.
Fundo understands that unforeseen circumstances may affect your ability to repay your loan.
Speak to one of your friendly consultants to see what options may be available to you.
In most cases we will need 48 hours notice to change payment dates on your loan account.
If you miss a payment date, you may be charged a dishonour fee under your loan contract. We don’t want this to happen!
Fundo understands that unforeseen circumstances may affect your ability to repay your loan.
Speak to one of your friendly consultants to see what options may be available to you.
In most cases we will need 48 hours notice to change payment dates on your loan account.
Our application process is all online and incredibly quick.
Fill out all your details on the application form and one of your friendly Fundo team members will assess your application.
Best of all, applications submitted during business hours will be processed on the same day.
Don’t hesitate, apply now.
Fundo is a responsible lender – as such, you must meet certain criteria to be eligible for one of our great products!
You will have to complete a new application for each loan so we can assess your current circumstances.
Fundo applications can be completed online 24/7!
Our friendly customer service team is here to help you from 9am-6pm, Monday-Friday, Saturday 9am-5pm and on Sunday's from 9am-1pm Sydney time.
Feel free to discuss your application over the phone or by email during business hours.
If your application is submitted and accepted during business hours, you will most likely receive your funds that day!
Please be mindful that each bank has a different processing time - as such, payments may become available the day following your application.
No need to panic, Fundo will endeavour to get your funds to you as soon as possible.
You select the reason for your loan during the application process. In most cases, we will not need to confirm the loan purpose, however in some instances we may request some evidence to verify that the stated purpose is legitimate.
Customers cannot have more than one loan with Fundo at any given time.
Fundo is a responsible lender – having multiple loans may affect your ability to repay your existing loans.
You are welcome to apply for a new loan once you have repaid your current loan, in full.
Fundo is based out of Sydney – our friendly team of consultants are available to talk
9am - 6pm, Mon-Fri
9am - 5pm, Sat
9am - 1pm, Sun
1800 161 391
We will endeavour to answer all your questions within a prompt manner.
Safe
and Secure. 5 min
application²
Safe
and Secure. 5 min
application²
Kim S.
Ellie P.
Robert D.
Safe
and Secure. 5 min
application²
Safe
and Secure. 5 min
application²
Loan amount from $500 to $2,000
Minimum 91+ days to maximum 6
months
20% establishment fee and a flat
4% monthly fee4
Loan amount from $2,001 to $5,000
Minimum 91+ days to maximum 2 years
$400 establishment fee, interest at
47.80% p.a. (comparison rate 66.58% p.a.)5
4 Fees are based on loan principal advanced.
5 Comparison rate is based on an unsecured loan of $2,500 over a term of 2 years.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
6 The example assumes timely repayment as per the loan agreement, or additional fees and charges may apply.
Safe
and Secure. 5 min
application²Terms and conditions and fees and charges apply. Approval and loan amount are subject to our credit assessment criteria.
¹As soon as you sign your contract, we instantly send the funds to your nominated bank account. If your bank works with the New Payments Platform (NPP), most customers see funds in their account within 60 seconds. If your bank is not NPP enabled, or its a public holiday, the funds are usually received by the next business day
²Applying for a loan with Fundo usually takes about 5 minutes. However, this time can change based on a few things, such as your typing speed, the device you're using, and whether you have all the necessary information ready to go.
³As the approval process is influenced by various external factors, we can't guarantee that you'll receive a decision on the same day. However, most of our customers do receive a same-day response to their application with Fundo, if they submit their loan application and all the requested supporting information by 4pm Sydney time during a regular business day.
Fundo is an Australian direct lender that offers short-term, small loans without any legal jargon or red tape. Our online loans are designed to provide access to a broad range of qualified applicants, including those with less-than-perfect credit.
Finding small loans with flexible repayment terms is now a reality with Fundo - no need to keep searching for 'Debt Consolidation Loans Bad Credit', 'Personal Loan With Fast Approval', or '24 Hours Cash Loans'. Applying for Fundo loans in the future gets more engaging when you pay off your loans in advance penalty-free while also increasing your chances for approval.
Fundo believes that eligible applicants should be able to get closer to the loans they need. If you've been looking for small cash loans through search terms like 'Instant Approval Loans Need Cash Today', 'Payday Loans No Credit Check', or 'Savvy Loans', then you can stop looking now - let us show you how easy it is to apply for a loan with Fundo.
We typically respond within 2 min or sooner.
I'd like to borrow ($500 - $5000)
