Fast, reliable, easy to use, reasonable. Helped me out with medical and vet bills. Been a life saver.
Same day funds up to $5,0001
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Need $50 Quickly? Here's How to Access It
If you need $50 before payday, Fundo isn't the right fit. We lend from $500 to $10,000.
WageGo can help with smaller amounts. It's part of the same group, but it works differently: instead of borrowing, you access pay you've already earned, from $50 up to $2,000.
A pay advance, not a loan.
The difference matters. With a loan, you're taking on new debt and repaying it over months. With a pay advance, you're bringing forward wages you've already worked for, and it's repaid in full on your next pay date.
It's a short-term credit product, so there are fees, and they're set out plainly on the WageGo site before you apply.
See what you can access with WageGo
How much can you actually get?
WageGo advances from $50 up to $2,000, based on what you've earned so far in your current pay cycle. If you came here looking for $50, $100 or a few hundred, that sits comfortably in range.
The amount available to you depends on your income and your circumstances, and it's assessed when you apply.
Who a pay advance suits
WageGo is built for people who:
-Live in Australia and are 18 or over
-Are currently employed with a regular, verifiable income
-Have an Australian bank account that receives their pay
-Will have enough income on their next pay date to repay in full
One thing to know: if your only income is from Centrelink, you won't be eligible for WageGo.
When a Fundo loan is the right call
A pay advance suits a short gap before payday. It isn't built for bigger expenses or for repaying over time.
If you need $500 or more, or you want to spread repayments across months rather than clearing the balance on your next pay date, that's what Fundo is for. We lend from $500 to $10,000, with repayment terms set when you apply.
You decide which one suits you best!
Apply for a Fundo loan




Fast, reliable, easy to use, reasonable. Helped me out with medical and vet bills. Been a life saver.
Very easy to apply and money was transferred within the hour.
Their website is very user friendly, application process is straightforward and re-apply is very quick.
Application took 5 minutes max. Being a repeat customer makes it super simple.
Easiest, cleanest, simplest app or platform I’ve found.
Fundo loans are amazing. The dashboard is easy to use and the staff at Fundo loans are always kind, friendly and helpful
Borrow Loan
Flexible
Funds in as little as 60 secs¹Credit 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.
We typically respond within 2 min or sooner.