$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.

Whenever you have emergency expenses, it can be tricky to cover them if your budget is tight. You might search for solutions like a ‘fast loan payday’ or ‘advance payday loan’ to quickly solve your situation. Sometimes it may not be the best fit for your circumstances, but what other options do you have?

That’s where Fundo comes in to help. We’re all too familiar with your situation and how challenging it can be to sort it out if you don’t know your other options. At Fundo, we provide short-term personal loans that you can conveniently apply for online, among other benefits. We take your financial wellness seriously whenever you apply for a personal loan. 

Learn more about our alternative to a ‘fast loan payday’ and how a Fundo loan can benefit you today. 

What should I look for in payday loans?

What you look for in a payday or quick payday loan will vary depending on your needs and financial situation. Moreover, you should also consider the requirements you need whenever you apply for a ‘fast loan payday’ online. Most traditional lenders require borrowers to have a good credit score before they can apply for a loan.

At Fundo, we understand that financial situations are not black and white, so credit checks are only a small part of our review process. To qualify for a Fundo loan, we just have a few criteria that you need to meet. As responsible lenders, we want to ensure that you’re not putting yourself at any financial risk when we approve your loans. 

To qualify for a Fundo loan, you must: 

  • be at least 18 years old;
  • be a permanent resident or citizen of Australia;
  • earn a minimum of $300 per week in regular income (excluding government benefits); 
  • show that you can make your repayments on time; and
  • ensure you’re not placing undue financial pressure on yourself by borrowing from Fundo.

We may call you if we need more information or paperwork to process your loan application or to ensure we understand your needs. Instead of searching for a ‘fast loan payday’ or instant loans online, let’s talk about how we can help you if you have a complex financial situation.

Are payday loan rates the same for every online lender?

The interest rates for a ‘fast loan payday’ will vary depending on the amount you wish to borrow and, for some lenders, your credit score. Before submitting your general information, you may be asked how much you want to borrow. 

While Fundo does not offer ‘fast loan payday’ or cash advance loan products, we offer different loan options at competitive rates and similar loan amounts. Everything you need to know about your loan is given to you right away, including the fees and repayment schedule.

Whenever you apply for a loan with us, we won’t blindside you with legal jargon or hidden fees – the exact loan amount you will receive and any fees will be presented to you in easy-to-understand terms. 

Can I negotiate the terms of my payday loan?

Depending on the lender, you may or may not negotiate the terms of cash loans, let alone loans relating to ‘fast loan payday’ or ‘cash loans no credit check’. It may be more difficult to negotiate the terms of a cash loan if you have less-than-ideal credit. 

If you’re interested in applying for a loan of up to $2,000, you can do so at Fundo and choose from flexible repayment options up to 180 days. There are three repayment options: weekly, fortnightly, and monthly. You will also receive clear, easy-to-understand explanations of the terms of your Fundo loan.

Moreover, Fundo offers unique perks that give you a better understanding of your finances. Through your self-service dashboard, you’ll be able to get tips and advice that can help you improve your financial well-being. 

From the same dashboard, you can also monitor your Fundo credit score. This unique credit score system tracks how you use your Fundo loan. We reward good financial decisions, like making payments early or on time. Your score can improve your Fundo Credit Score if you leave feedback, refer friends to Fundo, or use Fundo as your primary loan provider. The higher your Fundo Credit Score is, the better the chances are that your loan application will be approved.

You may be tempted to look for alternative loan options like ‘fast cash loans with bad credit’ or small payday loans if you don’t find a solution related to ‘fast loan payday’. At Fundo, we will help you get the loan you need for your financial situation instead of taking a chance with other lenders.

At Fundo, we care about your financial wellness. When your loan application is approved and the money is sent to you, you will continue to get help from your loan and learn more about money by using our different systems.

Don’t settle for something like a ‘fast loan payday’. Apply for a Fundo loan today!

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