Access My Pay Early
Same day funds up to $5,000
Same day funds up to $5,000
Want to access your pay early? Early wage access services help you manage small expenses before your paycheck arrives, offering a convenient way to cover costs without taking out a full loan. Fundo provides a similar service with small loans starting from $500, allowing you to access more substantial funds quickly, with a fast online application and flexible repayment options to suit your financial situation.
What does accessing my pay early mean, and how does Fundo help?
When people search for ways to access their pay early, it’s often because of unexpected expenses like car repairs, medical bills, or household emergencies. While some apps and services allow you to access part of your paycheck before payday, these often come with fees or restrictions. At Fundo, we offer a more flexible solution with our small loan options starting from $500, giving you quick access to cash when you need it the most. Our online application process is easy to navigate, and we work to get funds to you quickly once your loan is approved.
How does Fundo compare to early pay access apps?
Fundo provides an alternative to apps that offer early wage access by offering small loans tailored to your financial situation. Here’s how we help:
Fundo is here to help when you need to access funds early, providing a more comprehensive and flexible option than wage access apps.
FAQs
Can I use Fundo to access cash before my payday?
Yes, Fundo’s small loan options provide an alternative to wage access apps, allowing you to receive up to $5,000 with flexible repayment options.
What is the process to apply for a loan at Fundo?
The process is simple: fill out the online application, provide the necessary details, and wait for your approval. Once approved, funds can be transferred to your account within 60 seconds from accepting your loan agreement and if your bank supports PayID.
Do I need to provide proof of income for a loan?
Yes, you will need to verify your income, which should be at least $1,000 per fortnight, including government benefits, to meet the eligibility criteria.
How much can I borrow at Fundo?
You can borrow between $500 and $5,000 depending on your financial situation and ability to make repayments.
Is Fundo’s loan service faster than early wage access apps?
Yes, Fundo can transfer funds to your account quickly, often within 60 seconds from accepting your loan agreement and if your bank supports PayID from contract acceptance, offering a faster and more flexible solution compared to wage access apps.
Safe
and Secure. 3 min
application²
Kim S.
Ellie P.
Robert D.
Safe
and Secure. 3 min
application²
Increase your Fundo Credit Score to boost your chance of getting approved on your next loan.
Safe
and Secure. 3 min
application²
Loan amount from $500 to $2000
Minimum 91+ days to maximum 6
months
20% establishment fee and a flat
4% monthly fee4
Loan amount from $2001 to $5000
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 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.
6 The example assumes timely repayment as per the loan agreement, or additional fees and charges may apply.
Safe
and Secure. 3 min
application²¹As soon as you sign your contract and if all other requirements have been met, 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 it is a weekend or a public holiday, the funds are usually received by the next business day. Fundo cannot guarantee that loan funds will be received within 60 seconds
²Applying for a loan with Fundo usually takes about 3 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.
We typically respond within 2 min or sooner.
I'd like to borrow ($500 - $5000)
