$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.

Get To Know Fundo’s Alternative To Fast Payday Loans

If you have unexpected bills or are just dreaming about a purchase that can’t wait, you may have considered applying for fast payday loans.

Consider our alternative from Fundo instead. With our personal loans, it’s not just about transactions; it’s about trust, support and personalised solutions.

Unlike other lenders, especially those offering payday cash loans, our commitment to understanding your unique needs ensures a smooth borrowing process. Learn more about our personal loans below.

Fundo: Australia’s convenient personal loan solution

Fundo’s mission: streamlined loans for Australians

Fundo is committed to offering an alternative to fast payday loans to Australians. Our mission revolves around providing a hassle-free online loan experience when it is needed most. We recognise the urgent need for financial solutions and have created a system to meet that need effectively.

There’s no need to search for quick payday advances or easy payday loans. Consider Fundo’s small-to-medium personal loans instead.

How Fundo differs from payday loans

Simple application process

At Fundo, we’ve cut out the complicated forms and extended waiting periods that can be a barrier to obtaining your funding. Our system focuses on a quick loan application process, allowing qualified borrowers to access emergency cash loans without red tape.

Clear fees and flexible repayments

We know that life can be unpredictable and financial commitments must adapt accordingly. Some no credit check loans and payday loans online may come with hidden fees and strict repayment requirements, which may not be ideal for your situation.

Fundo offers flexible repayment options to suit your lifestyle and clear transparency in our fees. We’re upfront about costs so you can make informed decisions without hidden charges or surprises, so you don’t need to turn to fast payday loans.

The advantages of Fundo’s personal loans

Clear and simple: a hassle-free approach

Navigating the financial world of fast payday loans can be complex, but with Fundo, you can consider an alternative solution to financing that’s simple and hassle-free.

We eliminate the financial jargon and legal talk, offering a transparent and user-friendly process. Our focus is on making personal loans accessible and understandable, so you can move forward with confidence.

Opportunities for those with diverse credit backgrounds

At Fundo, while we may conduct credit checks before approving an application, your credit score plays a small role in our decision. We focus on your current financial situation and ability to pay the loan.

We’ve also innovatively crafted our Fundo Credit Score system, rewarding you for timely or early online loan repayments, sharing feedback and referring friends to us. The better your Fundo Credit Score, the better your chances of approval for fast loans with Fundo in the future.

Fundo’s loan application process: your path to financial support

Seamless online application: begin with Fundo

Starting your journey away from instant payday loans and towards Fundo is as simple as a few clicks.

Our online application is designed for ease, allowing you to apply at your convenience. There’s no need to search for weekend payday loans. Fundo’s application form is accessible whenever you need it and wherever you are.

If you would like to apply for one of our quick loans, 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
  • not place undue financial pressure on yourself by borrowing from Fundo.

The approval process: clear and quick

Understanding the approval process for both fast payday loans and short-term loans is vital to making informed decisions.

At Fundo, we make the approval process straightforward. Our team assesses your application promptly, focusing on your current financial standing and not your credit score.

If your application is submitted within business hours (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), you may even receive a response within hours, in most instances within the same day.

Frequently Asked Questions (FAQ)

Is there a credit check involved in obtaining a payday loan?

Many payday lenders perform a credit check when assessing applications for fast payday loans.

Here at Fundo, we’re committed to responsibility in offering our personal loans. As part of that, we may conduct a credit check before approving an application. However, we understand that a credit score doesn’t tell the whole story. We focus on your current financial situation, making our loans accessible even if your credit history is less than perfect.

Are there any restrictions on using the payday loan funds?

There are generally no specific restrictions on how you can use the funds from quick cash payday loans, but policies may vary among instant payday lenders.

At Fundo, you can use our personal loans for various worthwhile purposes, whether it’s for unexpected bills, debt consolidation, home renovations, or dental needs.

How do I know if a payday loan is right for my financial situation?

Determining the best payday loans for you depends on your unique financial circumstances. Consider factors like the loan amount, repayment terms and your ability to repay. Note that fast payday loans may come with hidden fees and strict repayment methods, which could make it difficult to manage your loan. Consider alternatives like personal loans from Fundo instead.

When you apply for a personal loan at Fundo, we’ll craft a repayment plan that works for your financial situation. We make it easy for you to share details about your situation with us, so we can take into consideration your individual circumstances and personally tailor your repayments to ensure they are manageable for you and won’t put you under undue pressure. After all, we’re in this together!

Fundo: quick online loan experts in Australia

At Fundo, we recognise life’s unexpected moments. When you’re in need of quick cash, the last thing you need is complexity. We provide no-fuss online personal short-term loans, right from the comfort of your home. Unlike stringent banks, we offer short-term and fast cash loans even if your credit score isn’t perfect.

There’s no jargon, hidden fees, or long approval processes. Instead, we focus on offering flexible repayments and transparent service. Looking for fast payday loans with quick loan approval? Turn to Fundo instead to enjoy simplicity, convenience and reliability.

Disclaimer: Please note that we do not offer fast payday loans. 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.