$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.

People often search for fast instant loans when they need money urgently and do not have the time or means to go through a lengthy loan application process. These loans are typically advertised as being quick and easy to obtain, with some lenders claiming that they can provide the funds within minutes of receiving an application.

However, it can be frustrating for people to try to obtain fast instant loans for a number of reasons. For one, these loans often come with hidden interest rates and fees, which can make them rather costly. In addition, the process of applying for and receiving these loans can be confusing and difficult, as many lenders have strict eligibility requirements and may not be transparent about the terms and conditions of the loan.

At Fundo, we believe that all borrowers deserve access to fair financing options, regardless of their credit history. We want to empower people with the tools they need to make smart financial decisions and improve their overall financial wellness.

Where can I get instant loans in Australia?

There are several options for getting fast instant loans in Australia, but it’s important to understand that traditional lenders such as banks are not the only options if you need a loan quickly. This is because traditional lenders often have lengthy application processes that can take several days or even weeks to complete. Additionally, they may require collateral or a good credit score in order to qualify for a loan.

Here are a few options for getting an instant loan in Australia:

  1. Credit unions: Credit unions are financial institutions that are owned and controlled by their members. They may offer instant loans to members and may have more flexible lending criteria compared to traditional banks.
  2. Online lenders: These lenders offer short term loans that don’t require collateral. These usually have faster application processes. 

If you’re looking for fast instant loans, not only do we offer flexible repayment plans and competitive rates, but we also offer a range of other features to help make your life easier, like our interactive self-service dashboard and the Fundo Credit Score.

Do payday loans get approved on the same day?

Those looking for fast instant loans have probably encountered offers for payday loans, a type of financial product that allows borrowers to receive a small amount of money quickly, typically to be repaid on their next payday. 

In Australia, the approval process for payday loans may vary depending on the lender and the borrower’s circumstances, but these loans are regulated by state and territory governments. Your loan application might be processed and funded within hours or days by certain lenders, while it could take longer for others. 

If you’re looking for same day loans, look no further than Fundo. We make it easy to apply for and get loans approved online. You can receive your deposit the same day if you apply within business hours and get approved.

If you’ve already completed the application procedure for one of our loans, the rest of your applications will only get quicker and easier. Returning borrowers can use our ‘3-Click Apply’ feature to conveniently apply for a new loan with just a few taps.

For anyone in search of fast instant loans, Fundo is your one-stop shop for fast and efficient borrowing needs in Australia.

How do I find the best rates for online loans?

There are many factors that come into play when determining the rates for a loan. The size of the loan, how long you plan to take to repay it, and your credit score are just some of the factors lenders will consider before offering you a rate.

​​There are a few things you can do to try to find the best rates for online loans:

  1. Shop around: Compare rates from multiple lenders, as rates can vary significantly. You can use a loan comparison tool or do some research on your own to find the best rates.
  2. Check your credit score: Lenders use your credit score to determine your creditworthiness and the risk of lending to you. A higher credit score may result in a lower interest rate on your loan. You can check your credit score for free through various online tools or by requesting a copy of your credit report from one of the major credit bureaus.
  3. Consider a secured loan: If you have collateral, such as a car or home, you may be able to get a lower interest rate by taking out a secured loan. However, you run the risk of the lender seizing the collateral if you default on the loan.

With Fundo, you know what you have to pay upfront. There are no hidden fees and no annual fees. Our loans are unsecured, meaning you don’t have to provide collateral. We can help you get the funding you need, even if your credit score is less than perfect.

If you’re in need of fast instant loans, count on Fundo’s streamlined process and apply for small loans with us!

Disclaimer: This article does not constitute financial advice or recommendation, unless otherwise stated, and is strictly for informational and entertainment purposes only. All commentary views are subject to change at any time without notice.