Ready. Set. Loan.
Same day funds up to $5,000
Same day funds up to $5,000
When faced with an unexpected expense, you may be thinking to yourself, ‘I need a loan now’, so you proceed to explore your options. You may look into traditional loans, but they often involve a lengthy application process and stringent requirements, which may not be ideal when you need quick cash. 

Online loans can be a viable alternative, as they are typically easier to apply for and often have less stringent requirements, allowing for faster loan decisions that cater to your immediate cash needs. At Fundo, we understand the urgency of such situations, and we are here to assist you. 

We offer small online loans that can be conveniently applied for from the comfort of your home. With our tech-driven approach, we have streamlined the process of obtaining an online loan to cater to your urgent needs. 

Submitting your loan application during our business hours (9:00 a.m. to 6:00 p.m. Monday to Friday, 9:00 a.m. to 5:00 p.m. on Saturdays Sydney time) allows us to review your application promptly, so you’ll potentially receive a decision within the same day. 

But what if you find yourself thinking, ‘I need a loan now’, outside of our business hours? Once we receive your application, we’ll get back to you on the next business day to ensure that we can thoroughly review it and arrive at a decision that’s fair for you. 

While security may be considered favourably by some lenders, it doesn’t necessarily ensure instant loan approval. Your creditworthiness and overall eligibility for a loan are still crucial factors that lenders consider before approving your loan.

But when you’re thinking, ‘I need a loan now’, and don’t need a huge amount to cover your urgent expenses, unsecured small loans may be enough, so you don’t have to worry about having security available. Fundo offers short-term loans that don’t require security, helping you tide through unexpected costs. 

To better understand your chances at a Fundo loan approval, here are our minimum eligibility requirements: 

Understandably, you want to know the total cost of your loan rates when addressing your concerns related to ‘I need a loan now’. Usually, you’ll have to request a breakdown of your loan rates directly from your lender by getting in touch with their team. At Fundo, you can contact us by phone, email, or through our website.

When you borrow from Fundo, you can rest assured that all our loan fees are in line with industry standards. This means that the costs associated with your loan are governed by lending legislation. 

Additionally, Fundo borrowers get access to a self-service dashboard. You can access important loan information, keep track of your loans, make payments, and stay on top of your financial well-being through this dashboard. You can also learn about fun and engaging benefits on our self-service dashboard, which you can take advantage of when you’re approved for a loan at Fundo.

We’re not like those super strict banks. As a tech-savvy, Australian-owned private lending institution, we believe in making the repayment process as friendly and straightforward as possible for eligible borrowers who have constantly been thinking, ‘I need a loan now’.

You can choose to stick to the original repayment schedule or decide to pay off your loan ahead of time. There are no penalties for early repayments, and you may even be able to minimise your monthly account fees. You don’t have to worry about hidden charges whatsoever either. 

In addition to our flexible repayment terms, we help you further improve your chances of a future Fundo loan approval through the Fundo Credit Score. 

The Fundo Credit Score is our way of acknowledging your engagement and loyalty. By regularly interacting with our services, whether that’s simply reviewing us, referring your friends, or making timely payments, you can enhance your Fundo Credit Score. Limiting the loans you take out from other lenders also helps improve your Fundo Credit Score. 

Remember that if you have a favourable Fundo Credit Score, you can get a better chance of loan approval, so the statement ‘I need a loan now’ doesn’t have to linger for too long in your mind the next time you need fast cash. 

Say goodbye to those endless ‘I need a loan now’ thoughts and apply for a loan today at Fundo! 

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.