Instant Payday Loans Australia

If you’re looking for instant payday loans in Australia, Fundo offers a fast and convenient solution for your short-term financial needs. Quick access to cash is essential when you’re facing an unexpected bill or an emergency expense. At Fundo, we offer small loans starting from $500, with a fast online application process designed to ensure quick approval and instant access to funds.

Thousands of Australians have already turned to Fundo for quick payday loans, benefiting from our reliable and fast service. Our application process is designed to be completed in minutes, and once submitted, our team works quickly to review it. Often, approval is granted on the same day, and funds are transferred to your account within hours, ensuring you have the cash you need without delays.

Fundo also offers flexible repayment options that allow you to repay the loan in a way that fits your financial situation. Whether you need a short repayment period or more time, Fundo’s loans are designed to provide financial flexibility when you need it most.

Instant Payday Loan FAQs

How fast can I get approved for an instant payday loan with Fundo?
Fundo’s online application process is quick and easy. Once submitted, your application is reviewed promptly, and approval is often granted the same day. After approval, funds are typically transferred within hours, depending on your bank’s processing times.

What can I use an instant payday loan from Fundo for?
Fundo’s small loans can be used to cover various short-term financial needs, such as emergency bills, unexpected personal expenses, or urgent financial gaps.

How flexible are Fundo’s repayment options?
Fundo offers flexible repayment plans that are customised to fit your financial situation. Whether you prefer a shorter repayment term or need more time, Fundo ensures that managing your loan is easy and stress-free.

Do I need perfect credit to apply for an instant payday loan with Fundo?
No, Fundo doesn’t require perfect credit. We focus on your current financial situation and your ability to repay the loan, making our loans accessible to a wide range of customers.

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.