Ready. Set. Loan.
Same day funds up to $5,000
Same day funds up to $5,000
Before applying for an online cash loan, you should check that you meet the eligibility criteria for your chosen lender or loan.

At Fundo, you need to be an Australian citizen or tax paying resident over eighteen years old and earning at least $1,000 per fortnight, including government benefits or pensions. You’ll also need to show your ability to meet repayment deadlines, as we don’t want to place you under undue financial pressure through an approved loan.

So if you need a loan any time soon, give us a chance. With Fundo, we’ve got you covered.

Our approach is always to work with you to find the best possible solution.

If you’re unable to make a scheduled repayment on your loan, please provide us with a two-day notice of any changes to your repayment schedule. There may be late payment fees and other relevant charges if you miss your repayment schedule. The earlier you get in touch with us, the sooner we can discuss your repayment options.

We also encourage you to repay your Fundo online loans early whenever possible. Not only will this contribute positively to your Fundo Credit Score, but you could save on your overall monthly loan fees.

Remember: if ever you’re facing difficulty with repayments, don’t hesitate to reach out. With Fundo, you’re not just getting a loan; you’re gaining a financial ally you can trust.

At Fundo, we like to keep things transparent and straightforward. This mission extends to how we determine the interest rates for our online cash loans, which is why our fees and interest rates are not just transparent but also in line with industry standards.

Your chosen loan duration also plays a significant role in determining your fees. Generally speaking, the shorter your loan term, the higher your repayments will be, but you may pay fewer associated fees or interest in terms of overall cost with a shorter-duration loan.

To that end, we offer flexible repayment options for both our small and medium loans. We believe everyone deserves a fair chance. No matter what personal loan you choose, Fundo is here to join the borrowing journey with you.

There are a few ways to identify reputable online providers.

First, reputable online cash loan providers should be transparent about fees and charges. Look for clear, up-front information about the costs of your loan, just like Fundo provides for all of our short-term loans.

Reliable providers also respect and follow responsible lending practices and legislation. They take steps to assess whether your chosenonline cash loan is a good fit for you and your current financial situation. Part of these steps may include conducting credit checks, which we do. 

If your credit score isn’t as stellar as you’d like, don’t worry; your credit score plays a small role in our decision-making process for medium and small cash loans. What matters to us is your ability to meet your payments and that you won’t be under undue financial pressure if your loans are approved.

A trustworthy lender in Australia should have a credit licence from the Australian Securities and Investments Commission (ASIC). You can visit the ASIC website to check if a lender is licensed by searching through their public registry (you can find Fundo under ‘Fundo Loans Pty Ltd’).

Fundo has your back with straightforward, honest lending – no jargon, no confusing legal talk, and no complications from the moment you apply for a loan until the moment you make your final repayment.

If you’re looking for a trustworthy lender in Australia, then Fundo is here to serve you.

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.