Ready. Set. Loan.
Same day funds up to $5,000
Same day funds up to $5,000
There are a few things you should consider before applying for a payday loan. These include your financial capacity, the urgency of your needs, and the loan’s terms and conditions. Like with every decision, understanding the implications is paramount, and most people know that payday loans potentially come with higher interest rates and fees.

While it’s understandable to think that payday loans are the quickest and simplest way to get the cash you need, there are other alternatives to turn to, and that includes a lender like us at Fundo.

At Fundo, we understand that life can throw curveballs your way. Maybe an unexpected bill popped up or an opportunity was too good to miss. You need a loan, and you need it fast. But rushing doesn’t mean you need to compromise. 

We ensure our short term loans are transparent, flexible, and have no hidden charges. Our terms are presented in a straightforward manner because we believe in a no-jargon, no-confusing legal talk policy.

Lenders who offer payday loans usually have set terms in place. At Fundo, we replace negotiation with something even better – flexibility. Instead of limiting you to rigid terms, we extend our personal loans with flexible repayment periods.

Alongside our flexible lending, we’ve engineered an intuitive and tech-friendly experience. Our personalised account dashboard allows you to manage your loan and account effortlessly. Plus, speed is part of our DNA. 

We know you don’t have time for lengthy procedures, which is why we offer a no-fuss application and approval process so you don’t have to just look at payday loans as your sole options. Applying for a loan with us is easy, as our online application form is available 24/7. If you submit and have your application accepted during business hours, you could get your funds in your account that very day!

At Fundo, we’re passionate about making sure you have the resources you need when you need them most. Know that payday loans aren’t your only option; you can consider our personal loans, which are accessible, easy, and transparent. 

To be eligible for our quick loans, you just need to:

With Fundo, you can rest assured that a less-than-stellar credit score won’t define the outcome of your loan approval. We know there’s more to the story, and you’ll be pleased to know that we look at several different factors, not just your traditional credit score. 

While we can’t speak for payday lenders, we at Fundo pride ourselves on our commitment to responsible lending practices. To ensure this, we limit our users to having one loan with us at a time. When unexpected expenses arise, it can become harder to manage and repay multiple loans, so we encourage our users to repay their existing loan before applying for another.

Our Fundo Credit Score system rewards you for things like on-time repayments, leaving reviews, and referring us to friends. And if you pay off your loan on time or before the due date, it will reflect positively on any future applications and increase your chances at another cash loan approval! 

We’re always here to help you navigate your finances and provide quick loans online when you need them the most, without any fuss or complications. Apply for a loan with us today!

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.