Cheapest Payday Loan
Same day funds up to $5,000
Same day funds up to $5,000
Finder
We approved 320+ loans in the last 24 hours!
Sometimes, life throws unexpected expenses your way, and a little extra cash can go a long way. That’s why many individuals look for the cheapest payday loan options available. If you find it hard to secure funds from traditional lenders like banks or credit unions for short-term needs, look no further than Fundo. As a dedicated online lender, Fundo specialises in providing short-term loans tailored for Australians, including those who may not have a perfect credit history. Our mission? To simplify the process of getting the cash you need quickly and effortlessly!
At Fundo, we understand your financial needs and pride ourselves on offering a friendly, transparent service. With no hidden fees or confusing terms, applying for one of our loans is straightforward and stress-free. Whether you're looking to address an urgent expense or just bridge a temporary financial gap, our aim is to make the lending experience as smooth as possible.
No need to stress over your search for the cheapest payday loan options anymore! At Fundo, we offer easy access to funds and customised repayment plans to fit your unique situation. You can even pay off your loan early and improve your chances of approval for future loans.
Our eligibility criteria are minimal, allowing more individuals to benefit from our services. To qualify, you simply need to:
If you meet these simple requirements, head over to our application form to get started! Apply during business hours, and you could have your loan approved and funds released the same day. Plus, you can assess your approval chances with our handy Fundo Score tool. Improving your Fundo Score is easy — simply manage your payments responsibly and refer us to friends and family.
Ready to stop your search for the cheapest payday loan? By choosing Fundo, you gain access to a trusted lender that appreciates your needs. Apply today and experience our friendly service and swift funding!
Safe
and Secure. 5 min
application²
Kim S.
Ellie P.
Robert D.
Safe
and Secure. 5 min
application²
Safe
and Secure. 5 min
application²
Loan amount from $500 to $2,000
Minimum 91+ days to maximum 6
months
20% establishment fee and a flat
4% monthly fee4
Loan amount from $2,001 to $5,000
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 Comparison rate is based on an unsecured loan of $2,500 over a term of 2 years.
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)
