Ready. Set. Loan.
Same day funds up to $5,000
Same day funds up to $5,000
The possibility of getting small loans in 5 minutes can depend on the lender you choose and your financial situation. Traditional financial institutions usually have processes that could extend beyond this timeframe. Yet, for folks in need of immediate cash loans, some modern lending platforms might offer a quick solution.

This is what Fundo is all about – we cater to your needs, especially when you are on the hunt for fast cash loans Australia has to offer.

At Fundo, we strive to streamline the loan process for you. Though we don’t claim to approve loans in 5 minutes, we promise a swift process that adheres to industry standards.

If you submit your application during our business hours, which are Monday to Friday, 9.00 a.m. to 6.00 p.m., and Saturday, 9.00 a.m. to 5.00 p.m. Sydney time, you’ll likely receive your funds on the same day if it gets approved! Even better, our applications are all online and accessible anytime, seven days a week.

So, instead of searching for terms like ‘loans in 5 minutes’, turn to Fundo. We’re here to assist you in achieving your short-term financial goals with our quick and easy online loans, even if life happens to throw a curveball your way.

Interest rates aren’t solely dependent on loan approval speed. Rates can indeed differ for lenders who can evaluate loans in 5 minutes compared to those who take longer, but they’re usually also influenced by factors such as loan amount, payment duration, and credit history. 

Fundo is committed to responsible lending and helping Aussies borrow money today in an uncomplicated, straightforward manner. We value transparency, and any costs associated with your loan, including interest rates, are clearly communicated upfront.
Fundo takes the confusion out of the application process, and we make it our mission to deliver a fast easy cash loan service that adheres to industry standards and regulations.

The application process varies for lenders that offer quick and easy loans Australia-wide.

It typically involves several steps, which usually start with the borrower completing an application form and providing some information. From there, the credit provider will evaluate an applicant’s eligibility based on their criteria and provide a loan decision.

If you’ve been searching for ‘loans in 5 minutes’, we know how important a swift and straightforward process is for you. At Fundo, we strive to make our process as effortless as possible. Simply choose the amount you wish to borrow, complete our short online application, provide us with some essential information, and we’ll do the rest. 

Our requirements? You must be at least eighteen years old, an Australian citizen or tax-paying resident, and earn at least $1,000 per fortnight, including government benefits. We also require that you demonstrate an ability to meet repayment deadlines and not place undue financial pressure on yourself by borrowing from us.

There’s no need to stress about terms like ‘loans in 5 minutes’ in the hopes of finding a lender who offers a quick financial solution now that you’ve found Fundo. Our platform is always open when you’re looking for small loans today!

Avoiding predatory lending practices is key to maintaining financial well-being. It’s about being informed and understanding your rights. Obtaining loans in 5 minutes is indeed an enticing possibility, but it’s crucial to research your lending institution’s practices. 

Responsible lending laws in Australia serve as a safeguard against predatory behaviour. These laws may change from time to time, and it’s worth reviewing them every time you’re looking for quick approval loans or terms like ‘loans in 5 minutes’.

Generally, it requires lenders to ensure that a loan is suitable for a borrower. A lender should also conduct reasonable inquiries about the applicant’s requirements and objectives, as well as verify their financial situation.

When it comes to Fundo, we always adhere to responsible lending practices. We offer flexible repayments and transparent terms, never losing sight of our goal: to take the fuss out of quick, small online loans.

We maystill conduct credit checks, but they play a small role in our decision-making process. Instead, we value your current financial situation and your ability to repay your loan. So, remember: stay informed, understand your rights, and choose lenders like Fundo who prioritise your financial health. 

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.