Ready. Set. Loan.
Same day funds up to $5,000
Same day funds up to $5,000
If you’re looking to get small loan solutions online, you may be offered either a secured loan or an unsecured loan.

A secured loan requires something valuable, like your car, as security. If you have difficulty meeting your repayments, your security acts as a form of assurance that your loan will still be repaid. Secured loans may also lead to comparatively lower interest rates, depending on the lender.

An unsecured loan, meanwhile, does not require any security. However, some lenders may offer higher interest rates in exchange for fast cash.

At Fundo, we offer different types of small and medium unsecured cash loans online to suit your unique needs, especially if you wish to borrow money today. We take pride in cutting through the jargon and making our online loan process easy, straightforward, and user-friendly with a quick application process and flexible repayments.

Fundo isn’t like traditional banks – we make it easy for everyone to get small loan options or medium loan options, even on the go.

When you apply for a loan, it’s reasonable to wonder if you can negotiate its terms, whether for the interest rates, repayments, or other details. The answer is that it depends on the lender and your credit score.

If you have a strong credit score, you may be offered a greater loan amount or a more flexible repayment schedule for your emergency loans.
If you have a poor credit score, however, you still have options. You have the power to improve it over time, which can open up better loan terms in the future. Small steps, such as lowering your credit card limit, limiting credit applications, or making your repayments on time, can gradually enhance your credit score. 

So if you’re curious about loans for cash but have a less-than-ideal credit score, talk to us about it. We’re more than happy to hear you out.

At Fundo, we are committed to helping as many Australians get small loanoptions as we can while still ensuring that we uphold responsible lending practices. This is why, in the interest of transparent and fair lending, Fundo adheres strictly to all applicable laws.

To start, there are a few eligibility requirements you’ll need to meet when you get small loan offers from Fundo.

When applying for a Fundo loan, you must be at least eighteen years old or older, an Australian citizen or permanent resident, and earn at least $1,000 per fortnight, including government benefits. You must also show that you can meet repayment deadlines and ensure that borrowing from us won’t strain you financially.

At Fundo, we’ve decided to toss away the typical long-winded approval processes you’ll often find when you get small loanoptions from traditional lenders like banks or credit unions. 

When you need quick cash, booking a bank appointment and completing piles of paperwork are at the bottom of your list. That’s why applying for a small or medium loan with Fundo is incredibly quick – it’s all online. Simply fill out your details on our user-friendly application form, and a friendly Fundo team member will be on it in a flash.

Most applications submitted during business hours will also be processed on the same day, meaning you can get a decision on your loan application within minutes. If your application is eligible and approved, you could get your loan funds released to your account on the same day!

As a responsible lender, we take care to ensure that our borrowers meet certain qualifications, and we may conduct a credit check in some instances. That being said, we focus on your current ability to repay the loan instead of your financial history, which is why we look at more than just your credit score when you apply.

At Fundo, you’ll find it easy, quick, and accessible to get small loanand medium loan options. Apply now and join the revolution of stress-free lending in Australia!

Increase your Fundo Credit Score to boost your chance of getting approved on your next loan.
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.
¹As 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.