Online Payday Loans That Actually Work
Same day funds up to $5,000
Same day funds up to $5,000
Finder
We approved 320+ loans in the last 24 hours!
Unexpected expenses can often catch us off guard, prompting the need for quick financial solutions. Whether you’re facing emergency home repairs or planning for a spontaneous getaway, finding online payday loans that actually work can feel overwhelming if your search results don't meet your expectations. That's where Fundo shines! We're your go-to private lender, proudly Australian-owned and -operated, dedicated to providing small and medium short-term loans tailored for everyday needs.
At Fundo, we’re committed to making your financial life simpler, which means you won’t have to keep looking for online payday loans that actually work. Our loans offer the perfect combination of accessibility and flexibility, enabling you to pay off your loan early and save on interest if applicable based on loan size. Our repayment periods allow you to manage your loan comfortably, with terms stretching up to 180 days for a MACC loan. We offer flexible solutions to meet your unique needs, whether you require emergency loans or want to fund a personal project.
Once you’re on board, managing your loan is easy with our personalised dashboard. This self-service platform allows you to review payment terms, monitor your progress, and receive helpful tips for enhancing your financial health.
If you’re wondering about eligibility, Fundo keeps it straightforward. You’ll need to currently reside in Australia, be over 18 years of age, have a regular income of at least $1,000 per fortnight (this includes government benefits), and demonstrate that you can comfortably meet your repayment obligations. Embarking on your Fundo loan journey is simple—just head to our online platform and fill out your details for the amount you wish to borrow. In many cases, if you apply during business hours, funding can be completed on the same day without the need for complicated searches about loan approvals.
Your Fundo Score is an important part of your financial journey. By sticking to your repayment schedule, referring friends, and managing your borrowing responsibly, you can boost your Fundo Score and enhance your chances of approval for future loans. So, why wait? Take control of your financial needs and apply today for the funding you deserve!
Safe
and Secure. 5 min
application²
Kim S.
Ellie P.
Robert D.
Safe
and Secure. 5 min
application²
Safe
and Secure. 5 min
application²
Loan amount from $500 to $2,000
Minimum 91+ days to maximum 6
months
20% establishment fee and a flat
4% monthly fee4
Loan amount from $2,001 to $5,000
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 Comparison rate is based on an unsecured loan of $2,500 over a term of 2 years.
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.
6 The example assumes timely repayment as per the loan agreement, or additional fees and charges may apply.
Safe
and Secure. 5 min
application²Terms and conditions and fees and charges apply. Approval and loan amount are subject to our credit assessment criteria.
¹As soon as you sign your contract, 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 its a public holiday, the funds are usually received by the next business day
²Applying for a loan with Fundo usually takes about 5 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.
Fundo is an Australian direct lender that offers short-term, small loans without any legal jargon or red tape. Our online loans are designed to provide access to a broad range of qualified applicants, including those with less-than-perfect credit.
Finding small loans with flexible repayment terms is now a reality with Fundo - no need to keep searching for 'Debt Consolidation Loans Bad Credit', 'Personal Loan With Fast Approval', or '24 Hours Cash Loans'. Applying for Fundo loans in the future gets more engaging when you pay off your loans in advance penalty-free while also increasing your chances for approval.
Fundo believes that eligible applicants should be able to get closer to the loans they need. If you've been looking for small cash loans through search terms like 'Instant Approval Loans Need Cash Today', 'Payday Loans No Credit Check', or 'Savvy Loans', then you can stop looking now - let us show you how easy it is to apply for a loan with Fundo.
We typically respond within 2 min or sooner.
I'd like to borrow ($500 - $5000)
