Instant Cash No Credit Check

Many people are searching for instant cash with no credit check because they need fast access to funds without worrying about their credit history. At Fundo, we understand that your credit score may not always reflect your current financial situation. While we may conduct a credit check as part of our responsible lending practices, our primary focus is on your ability to repay the loan based on your current circumstances.

We offer small loans starting from $500 with a fast and easy online application process, ensuring that you can access the funds you need quickly�even if your credit score isn’t perfect. Thousands of Australians have signed up for Fundo because of our straightforward approach to lending. We know that financial emergencies can’t wait, which is why we strive to provide quick approval and access to cash, regardless of your credit history.

At Fundo, we also offer flexible repayment options to ensure that managing your loan is convenient and stress-free. Whether you need a shorter repayment term or more time to repay, Fundo’s loans are designed to give you the flexibility you need while providing financial support when it’s needed most.

Instant Cash with No Credit Check FAQs

Can I get a loan from Fundo without a credit check?

While Fundo may conduct a credit check as part of our responsible lending practices, we focus more on your current financial situation and ability to repay the loan. Even if your credit score isn’t perfect, you may still qualify for a loan.

How fast can I get approved for a loan with Fundo?

Fundo’s online application process is fast and efficient. Once you submit your application, it’s reviewed quickly�often resulting in same-day approval. After approval, funds are typically transferred within hours, depending on your bank’s processing times.

What can I use a loan from Fundo for?

Fundo’s small loans can be used to cover various short-term financial needs, such as emergency bills, medical expenses, or unexpected personal costs.

How flexible are Fundo’s repayment options?

Fundo offers flexible repayment plans that can be tailored to fit your financial situation. Whether you need more time to repay or prefer a shorter term, Fundo makes it easy to manage your loan.

Fundo loan example

Borrow between
$500 to $5,000

Flexible
payment terms

No hidden fees

Money within 60 secs
if NPP enabled

Small loan

Loan amount from $500 to $2000
Minimum 91+ days to maximum 6 months
20% establishment fee and a flat
4% monthly fee⁴

Example⁶

RepaymentsWeekly

Term20 weeks

Loan Amount$1,000

Establishment fee$200

Total monthly fee (over 20 weeks)$200

Total repayable$1,400

Weekly repayment$70.00

Medium loan

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

Example⁶

RepaymentsFortnightly

Term2 years

Loan Amount$2,500

Establishment fee$400

Total interest (over 2 years)$1,553

Total repayable$4,453

Fortnightly repayment$85.63

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.

Apply Now

Safe and Secure. 3 min application²

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.