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Need $200 And Worried About Your Credit History?

Same day funds up to $5,000¹

I want to borrow ($500 - $5,000)

Select loan amount from range

Apply Now

Safe and Secure. Apply in minutes²

4.7/5

18,000+

4.7/5

5,000+

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500+ Applications submitted in last 24 hours!

Need $200 And Worried About Your Credit History?

Need $200 and Worried About Your Credit History?

Fundo lends from $500 to $10,000, so we can't help with $200. WageGo can.

WageGo is part of the same group. Instead of lending you money, it gives you access to wages you've already earned, from $50 up to $2,000, ahead of your next pay date. You repay it in full when you get paid.

What matters most is your income rather than your credit file. WageGo looks at what you've actually earned this pay cycle and whether your next pay will cover the repayment. Every application is still assessed and approval isn't guaranteed.

It's available if you're 18 or over, living in Australia, employed with a regular income, and your pay goes into an Australian bank account. Centrelink-only income isn't eligible. Fees apply and WageGo sets them out before you apply.

See what you can access with WageGo.

Need more than that?

If you need $500 or more, or longer than one pay cycle to repay, that's a loan rather than an advance. Fundo lends from $500 to $10,000, with repayments spread over time.

Apply for a Fundo loan.

Apply in minutes

Complete
your application
in minutes²

Loan decisions
made fast, as quick
as the day you apply

Funds in as little as 60
secs from contract
acceptance³

Over $400 million
in loans already
funded

Apply Now

Safe and Secure. Apply in minutes

See what our customers say

Kim S

Fast, reliable, easy to use, reasonable. Helped me out with medical and vet bills. Been a life saver.

Ellie P

Very easy to apply and money was transferred within the hour.

Rachel C

Their website is very user friendly, application process is straightforward and re-apply is very quick.

Robert D

Application took 5 minutes max. Being a repeat customer makes it super simple.

Chloe Grice

Easiest, cleanest, simplest app or platform I’ve found.

Terrie Coggins

Fundo loans are amazing. The dashboard is easy to use and the staff at Fundo loans are always kind, friendly and helpful

Apply Now

Safe and Secure. Apply in minutes

Our Loans

Borrow Loan
between $500 to $10,000

Flexible
repayment terms

Funds in as little as 60 secs
from contract acceptance

Small Loan

Loan amount$500 – $2,000

Loan term4 weeks – 9 months

RATES AND FEES

Establishment fee20% of loan amount

Monthly fee4% of loan amount

Medium Loan

Loan amount$2,001 – $5,000

Loan term9 weeks – 9 months

RATES AND FEES

Personalised interest rate range⁴ 36.80% p.a. –
47.80% p.a. for returning customers 43.80% p.a. –
47.80% p.a. for new customers

Comparison rate range⁵ 54.21% p.a. –
66.03% p.a. for returning customers 61.73% p.a. –
66.03% p.a. for new customers

Representative rate⁶ ⓘ 47.80% p.a.

Representative comparison rate⁵ 66.03% p.a.

Establishment fee$400

Personal Loan

Loan amount$5,000 – $10,000

Loan term9 – 24 months

RATES AND FEES

Personalised interest rate range⁴ 18.50% p.a. –
36.80% p.a.

Comparison rate range⁵ 19.94% p.a. –
38.41% p.a.

Representative rate⁶ ⓘ 36.80% p.a.

Representative comparison rate⁵ 38.41% p.a.

Establishment fee$200

Apply Now

Safe and Secure. Apply in minutes

Important Information

¹Credit provided by Fundo Loans Pty Ltd ACN 604 639 143 Australian credit licence 491418 to approved applicants. Terms, conditions, fees, charges and eligibility criteria apply. Typical decision or funding time may vary depending on whether all required documents are provided before 4pm Sydney time on a business day. Same day decisions or funding are not guaranteed.

²Typical application time may vary depending on your device, information on hand and typing speed.

³Transfer times are not guaranteed, depend on if your bank is New Payments Platform (NPP) enabled and may vary on public holidays.

⁴Interest rates shown not available to all customers. Your rate is based on information you provide, your repayment history and our assessment of your application. We'll confirm your personalised interest rate in your loan offer document before you decide to accept it.

⁵Comparison Rates:

For Medium Loans, the comparison rate is based on an unsecured loan of $2,500 over a term of 2 years with a fortnightly repayment frequency.

For Personal Loans, the comparison rate is based on an unsecured loan of $10,000 over a term of 3 years with a monthly 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.

⁶Around half of our customers will receive the representative rate or lower.

Bank logos and trade marks are property of their respective owners and are used for identification purposes only.

The information provided on this website is general in nature and for information only. It is not intended to be relied upon as advice. Before making a decision about any of our products, you should seek your own independent advice and refer to the terms and conditions to ensure that the product is appropriate for your particular objectives, financial situation and needs.

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