Fast, reliable, easy to use, reasonable. Helped me out with medical and vet bills. Been a life saver.
Same day funds up to $5,0001
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If you’re looking for joint personal loans in Australia, joint loans can be a great option for couples or business partners who want to share financial responsibility. These loans allow two individuals to apply for a loan together, making it easier to qualify and manage financial obligations as a team. At Fundo, while we primarily offer personal loans, we provide small loans starting from $500 that can serve as an excellent alternative to traditional joint loans.
Our fast online application process ensures that both applicants can benefit from quick approval and reliable service. Whether you’re applying as a couple or with a business partner, Fundo makes it easy to get the funds you need without the hassle of traditional lending processes. Once your application is submitted, our team works quickly to review it, often granting same-day approval. After approval, the funds are typically transferred within hours, giving you and your co-applicant fast access to the financial support you need.
Fundo also offers flexible repayment options that allow both applicants to manage the loan in a way that suits their financial circumstances. Our loan terms are clear and transparent, ensuring that you and your co-applicant can handle repayments without stress. Whether you need a short repayment term or prefer more time to repay, Fundo’s loans are designed to provide the financial flexibility you need to manage shared responsibilities effectively.
Can two people apply for a loan together at Fundo?
While Fundo primarily offers personal loans to individuals, both applicants can benefit from our fast and simple online application process, making it easy for partners to manage their financial responsibilities with our small loans starting from $500.
How fast can we get approved for a loan with Fundo?
Fundo’s online application process is designed for fast approval. Once your application is submitted, it is reviewed promptly, and approval is often granted the same day. After approval, the funds are typically transferred to your account within hours, depending on your bank’s processing times.
What can we use a joint loan alternative from Fundo for?
Fundo’s small loans can be used to cover a variety of financial needs, such as personal bills, business expenses, or other shared costs. Our loans provide fast access to cash for partners managing joint financial responsibilities.
How flexible are Fundo’s repayment options for joint loan alternatives?
Fundo offers flexible repayment plans that are customised to fit your financial situation. Whether you prefer a shorter repayment period or need more time, Fundo ensures that managing your loan is easy and stress-free.
Do we need perfect credit to apply for a joint loan alternative with Fundo?
No, Fundo doesn’t require perfect credit. We focus on your ability to repay the loan based on your current financial situation, making our loans accessible even if your credit score isn’t ideal.




Fast, reliable, easy to use, reasonable. Helped me out with medical and vet bills. Been a life saver.
Very easy to apply and money was transferred within the hour.
Their website is very user friendly, application process is straightforward and re-apply is very quick.
Application took 5 minutes max. Being a repeat customer makes it super simple.
Easiest, cleanest, simplest app or platform I’ve found.
Fundo loans are amazing. The dashboard is easy to use and the staff at Fundo loans are always kind, friendly and helpful
¹Credit provided by Fundo Loans Pty Ltd ACN 604 639 143 Australian credit licence 491418 to approved applicants. Terms, conditions, fees, charges and eligibility criteria apply. Typical decision or funding time may vary depending on whether all required documents are provided before 4pm Sydney time on a business day. Same day decisions or funding are not guaranteed.
²Typical application time may vary depending on your device, information on hand and typing speed.
³Transfer times are not guaranteed, depend on if your bank is New Payments Platform (NPP) enabled and may vary on public holidays.
⁴Representative examples only, assumes timely repayment as per the loan agreement and no early repayment.
⁵Comparison rate is based on an unsecured loan of $2,500 over a term of 2 years with a fortnightly repayment frequency.
⁶Comparison rate is based on an unsecured loan of $10,000 over a term of 3 years with a monthly repayment frequency.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
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The information provided on this website is general in nature and for information only. It is not intended to be relied upon as advice. Before making a decision about any of our products, you should seek your own independent advice and refer to the terms and conditions to ensure that the product is appropriate for your particular objectives, financial situation and needs.
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