Ready. Set. Loan.
Same day funds up to $5,000
Same day funds up to $5,000
While they may seem like a financial lifeline, pay day cashloans may not be available to everyone. With some lenders, there are eligibility criteria that need to be met to ensure that payday loans can be responsibly repaid without causing undue financial strain.

This is why, at Fundo, rather than offering pay day cashloans, we offer other types of personal loans instead.

Australian citizens or permanent residents who are at least eighteen years old and earning at least $1,000 a fortnight (including government benefits) may be eligible for our quick cash loans. You’ll also need to demonstrate that you can meet the repayment deadlines, as we don’t want to place you under undue financial pressure by borrowing from us.

We are open to lending to pensioners and individuals with complex employment situations, such as part-time or seasonal workers. There are other requirements involved in these scenarios, and we assess these applications on a case-by-case basis.

At Fundo, we embrace inclusivity, and we aim to extend a helping hand to as many Australians as possible. Our aim as a responsible lender is to make financial solutions accessible and user-friendly. We’re always here to discuss your circumstances; all you need to do is reach out.

At Fundo, if you submit your personal loan application within our business hours and everything goes well during the review process, you could be approved for a loan and have the funds released on the same day.

However, banks may process funds at a different speed than us, and your fast cash loan may take a little longer to process. If you send your application near the end of or after our business hours, it will likely be processed within the next twenty-four hours. But don’t worry – if your loan is approved, we make it our mission to get your funds to you as quickly as possible.

We understand the unique needs of our fellow Australians navigating the challenges of stable finances, and we’re here to provide reliable and swift short term loans. That’s why Fundo’s application process has no jargon, no confusing legalese, and no hidden fees – just quick loans online delivered with empathy and enthusiasm.

With Fundo, accessing quick, small online loans is as easy as it gets.

Whether or not pay day cashloans affect your credit score isn’t a simple yes-or-no situation, as how you handle your loan responsibilities influences your credit history in different ways.

If you repay your loans and other credit obligations reliably and on time, then your credit score should improve or remain in good standing over time. However, if you constantly miss repayments or default on your loans, your credit score will suffer, and you may have difficulty accessing some financial opportunities, such as competitive rental options or more negotiation power with future loans.

Though Fundo does not offer pay day cash loans, we are nonetheless committed to responsible lending. If there are circumstances affecting your ability to repay the loan on time, please communicate with us and provide at least two days’ notice of any changes to your repayment schedule. We can then work together to explore alternative payment options for you.

As strong believers in responsible lending, we at Fundo understand the importance of staying on top of your finances and avoiding unnecessary debt. When applying for pay day cash loans, it’s ideal to consider them as a short-term solution and not a long-term financial strategy. A clear picture of your loan terms – what the interest rates and repayment schedule are, and if there are any fees – also helps. 

At Fundo, we’re transparent about our loan terms and fees, so you’re never in the dark about your responsibilities as a borrower. It’s also good practice to plan for your repayments. Knowing exactly when and how much you need to pay back helps you stay on track. We offer flexible repayments to make this step easier. And lastly, borrow only what you need and can afford to pay back.

Our Fundo Credit Score incentivises good borrowing practices by adding a dash of fun to repaying loans on time. This gives you exclusive points every time you complete a repayment; the higher your Fundo Credit Score, the better your chances of getting your next loan approved with us.

Remember, taking a pay day cash loan isn’t your only option when it comes to short-term loans. With Fundo, it can be a smooth ride, so if you’re looking for quick cash loans today, then apply with us!

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.