FAST LENDER
Same day funds up to $5,000
We approved 320+ loans in the last 24 hours!
Same day funds up to $5,000
We approved 320+ loans in the last 24 hours!
If you’re in that precarious position of needing money to cover an urgent and pressing expense, there’s really no time to waste. If a mechanic requires payment for your broken down car, it can throw your entire life for a loop. The same goes for urgent dental expenses, medical bills, travel tickets - sometimes we just don’t get upfront notice when our fridge or washer burns out or our laptop or PC needs fixing or complete replacement.
Applying for a personal loan from your bank or credit union might mean waiting days for applications to be reviewed, endless submissions of paperwork, evidence of your residential status, payslips, and credit history, as well as delays in processing times - and if you apply over the weekend, this can blow out to even longer, leaving you in the lurch!
When banks are slow, Fundo is a fast lender, enabling you to get up and running again with a small cash loan between $500 and $5,000 - and you could get it on the same day - even within 60 seconds if you accept your loan contract and have a PayID-enabled bank account. Now that’s fast funding! It’s also the Fundo way.
If you are in need of an urgent payday loan or just need to cover an expense that’s popped up and can’t be put off, you can start your application with Fundo right now. Before you begin, you need to fulfill our minimum lending criteria. As of 2025, this is:
If that sounds like you, you can proceed right now!
You can apply any time, day or night, seven days a week with your smartphone, tablet, or computer. Add your basic details, banking info, and how much you need to borrow and we’ll do the rest. If you have questions or need clarity around your loan contract, you can talk to us during our office hours - we’re open 7 days a week for your convenience! That’s why Fundo is known as one of Australia’s fast lenders!
Are you looking for a quick cash loan in Australia? Turn to the efficient team at Fundo for your needs!
Certainly! We sincerely assure you that we can offer you amounts ranging from $500 to $5,000 - that’s why we’re known as a fast lender!
Obtaining a quick cash loan from Fundo is a straightforward process. Simply use our secure online dashboard, and you can complete the entire application in just three to five minutes, at any time that suits you, day or night. If you meet our requirements and qualify, you may receive approval within that time frame.
If your bank account is compatible with PayID and you accept your loan contract, the funds will be deposited into your account in just 60 seconds!
For accounts that do not have PayID enabled, please be aware that the process may take longer, potentially up to 48 hours in certain situations. If you have questions about PayID (Osko) accounts and need clarification on deposit processing times, please reach out to your bank or credit union for assistance.
No, unfortunately we cap our loan amounts at $5,000 as required by law. You may be tempted to take out two loans - either from Fundo or another small loans provider. It’s important to consider what that means for your short-term finances and your long-term creditworthiness (credit rating.)
Taking out many loans or credit products at the same time can have a serious effect on your credit score, and you may face rejection for attempting to manage too much debt in a short period of time. Fundo is a lender that prioritises responsibility, ensuring that we approve instant finance loans only for customers who we believe can repay comfortably without facing further financial difficulties.
Ultimately, our goal is for individuals to find themselves in a more favorable financial position after repaying the loan than they were at the time of application. If you are in a tough spot, we strongly suggest you consult with a financial adviser or counsellor to explore the options that may be available to you.
We do ask general questions about what you may need the money for, but ultimately that’s none of our business. You can use your small cash loan for anything you need - once the cash is in your hands, it’s yours! It’s your responsibility to pay back the loan on time and in full, as asked for in your loan agreement. To ensure you don’t incur dishonour fees or late fees, we recommend setting up direct debit so you never miss a payment. Scheduling your direct debits around your regular paydays is also a good way to ensure you always pay on time. We also offer additional repayments without penalty!
Yes, we cater to bad credit customers. We are committed to supporting you, particularly when other lenders may decline due to credit challenges. We can provide no credit check loans for certain customers. Rest assured; we will always seek your permission before accessing your credit score. We consider a wider perspective than many other lenders when evaluating your loan approval, considering more than just your current credit situation.
Safe
and Secure. 5 min
application²
Kim S.
Ellie P.
Robert D.
Safe
and Secure. 5 min
application²
Safe
and Secure. 5 min
application²
4 Fees are based on loan principal advanced.
5 Comparison rate is based on an unsecured loan of $2,500 over a term of 6 months with a fortnightly repayment frequency.
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)
