Ready. Set. Loan.
Same day funds up to $5,000
Same day funds up to $5,000
Many pay advances online maintain a similar structure to traditional payday loans. If you get a pay advance online, you should keep in mind that strict repayment schedules are still the general norm. This means that your repayment deadlines would typically be tied to your next pay receipt. 

However, the main difference is that getting a pay advance online means you can experience ease and accessibility, which traditional payday loans can’t match. 

What’s great about us at Fundo is that we provide a great alternative for when you’re keen on getting a payday loan or a pay advance online. With our quick cash loans, not only can you make your dream purchases come true, but you can also do away with rigid repayment structures that tie closely to your payday.

Think about it this way: with Fundo, you can apply for a cash loan from the cosy comfort of your home (or perhaps on the go) without needing to step into a physical bank. That’s right, no more time-consuming lines or piles of paperwork to sift through. We’re all about a no-fuss application and approval process. 

Best of all, if you get approved, you can enjoy flexible repayments and easily track them through a digital self-service dashboard.

But we offer more than just ease of access and adaptability. Our enthusiasm for improving your experience and our genuine concern for your circumstances shape our services. We take the confusion out of borrowing, replacing jargon and legal talk with straightforward, user-friendly processes.

Since you can find yourself following a rigid repayment schedule with fast payday advance options, you can expect on-the-dot repayment deductions on your salary day, leaving you little to no room for adjustments or extensions. 

But at Fundo, you’re not getting a typical pay advance online; you’re getting a personal loan offer from a compassionate and understanding lender. 

We understand that life’s full of surprises, and sometimes this can hinder you from repaying your online loans fast. Here, we wear your shoes, we empathise, and most importantly, we adapt. Our team is committed to creating a flexible plan that will work for your circumstances and not be an additional burden. 

If you find yourself in a situation where you need a repayment extension, we can work together to explore alternative payment options. On your end, all you have to do is communicate with us, providing at least a two-day notice of any changes to your repayment schedule. 

At Fundo, our efforts are geared towards giving you the best borrowing experience we can provide, and we’re ready to adjust our sails according to your winds. 

The good news is that Comprehensive Credit Reporting in Australia recognises positive credit behaviour. This means that following your lender’s repayment process and making deposits on time can actually boost your credit score. Just take note that applying for too many loans in a short period, whether it’s a personal loan or a pay advance online, can affect your credit status. 

Similarly, you’ll also be pleased to know that we at Fundo have a unique Fundo Credit Score system. By leaving reviews on our platform, referring us to your friends, and paying online money loans on time or even early, you can build your score. The higher your Fundo Credit Score, the more likely you are to be approved if you apply for another one of our loans in the future. 

Remember, with Fundo, it’s not just about getting a loan; it’s also about the convenient process and everything in between.

With exciting holidays and seasonal sales just around the corner, finding funds can be a priority. However, you should know that lending institutions may perform a credit check if you apply for a pay advance online – especially since they’re usually a quick credit option that doesn’t require security.

But don’t lose heart if your credit score isn’t the best or picture-perfect. By considering a Fundo short-term cash loan as an alternative to a pay advance online, you can experience an assessment that goes far beyond the numbers.

While credit scores can tell part of your financial story, they certainly don’t capture everything. At Fundo, we uphold responsible lending and consider other essential factors, creating a fuller picture of your financial situation. Among others, this would include your current ability to meet repayments and your sources of income.

Ultimately, our aim here is not to provide an option that weighs you down but one that helps you enjoy your life to the fullest. After all, getting loans approved shouldn’t become something that gives you sleepless nights.

Need a teeny tiny loan? Apply now! 

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.