Instant Money Approval

If you’re looking for instant money approval, Fundo provides small loans starting from $500 with a fast and easy solution. Our online application process ensures that you get approved quickly, allowing you to access the funds you need without unnecessary delays. Whether it’s for an emergency expense, a short-term financial gap, or another urgent need, Fundo’s loans provide instant money approval, helping you manage your finances when time is of the essence.

At Fundo, we understand that waiting days or even weeks for approval isn’t practical when you need money fast. That’s why we’ve made our loan application process as quick and efficient as possible. Once you submit your application, our team reviews it promptly�often providing approval on the same day. If you have a PayID-enabled bank account, Fundo can transfer the funds to you within 60 seconds from accepting your loan agreement and if your bank supports PayID from contract acceptance, ensuring that you have instant access to the money you need.

In addition to fast approval and instant funding, Fundo offers flexible repayment options that are customized to fit your financial situation. Whether you need a shorter repayment term or more time, Fundo’s loans are designed to be easy to manage.

Instant Money Approval FAQs

How fast can I get instant money approval from Fundo?

Fundo’s online application process is designed to be quick and efficient. Once you submit your application, our team reviews it promptly, often providing same-day approval. If you have a PayID-enabled bank account, you can receive the funds within 60 seconds from accepting your loan agreement and if your bank supports PayID from contract acceptance.

What can I use instant money approval for?

Fundo’s small loans can be used for a variety of short-term financial needs, including emergency expenses, personal bills, medical costs, or other urgent financial challenges.

How does Fundo’s PayID system provide instant access to cash?

If your bank supports PayID, Fundo can transfer the loan funds to you instantly�within 60 seconds from accepting your loan agreement and if your bank supports PayID from contract acceptance. This ensures that you have immediate access to cash when you need it most.

How flexible are Fundo’s repayment options?

Fundo offers flexible repayment plans that are designed to fit your financial situation, ensuring that managing your loan is simple and stress-free.

Do I need perfect credit to apply for a loan from Fundo?

No, Fundo doesn’t require perfect credit. We assess your ability to repay the loan based on your current financial situation, so even if your credit isn’t ideal, you may still qualify for a 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.