Ready. Set. Loan.
Same day funds up to $5,000
Same day funds up to $5,000
If your search history is filled with terms like ‘pay day loan instant’, then it’s clear you don’t have the time to wait for long processing and disbursement times (looking at you, traditional banks). 

Life can throw unexpected curveballs our way. Perhaps your car has broken down and is in dire need of repairs. Maybe a health concern needs immediate attention, so you need extra cash. Or, you could be preparing for a wedding or holiday and need a little help with the down payments.

Whatever your purpose, Fundo’s small and medium online loans allow you to apply and receive the money quicker than a traditional bank. Our short-term quick cash loans are made to cover unexpected expenses, which makes them a convenient solution for those in need of funds ASAP.

If you apply for a loan with us within business hours, our team can process your application on the same day. If approved, you’ll most likely receive your funds on the same day as well. However, some banks’ processing times may vary, so you may receive the money the following business day instead.

Your credit score is affected by how well you manage different types of credit, like payday loans, dental loans, and mortgages. When you miss out on repayments or default on a loan, this can leave a dent in your credit score. 

Sending out applications for multiple credit products in a short period of time could also negatively impact your credit score. This is important information if you’re looking up ‘pay day loan instant’ and want to know what a loan entails.

On the other hand, those who exercise good borrowing behaviour, like regularly making repayments early or on time on a small loan, can expect their credit score to improve.

If you maintain your good habits while you’re repaying a Fundo loan, you can also raise your Fundo Credit Score (which is different from your actual credit score). The higher your Fundo Credit Score, the better your chances of getting approved for your next Fundo loan!

This is why it’s important to turn to loans only when you are absolutely sure you can make repayments on-time. When you borrow responsibly, you can reap long-term benefits.

We know all too well about the unexpected expenses a young person can encounter. Going to school, for example, can bring about a ton of obligations, from textbooks to miscellaneous fees to transportation and more. If you’ve looked up ‘pay day loan instant’ and found us, then there’s a chance you can relate to this.

However, there are some requirements you need to meet to apply for a loan with Fundo. To apply for a personal loan with us, you must:

If you’re not at least eighteen years old, then unfortunately, we won’t be able to accept your application. Feel free to apply at a later time when you meet the eligibility criteria.

We’re very proud of the flexible repayment terms we provide, which allow eligible borrowers looking up ‘pay day loan instant’ to manage their finances more efficiently. If you get approved for a loan with us, you’ll be able to choose the repayment terms that suit you best from the available options.

To keep track of your loan information, repayment progress, and more, you can use the self-service dashboard on our website. If you ever need help with your repayments, please contact our customer service team via phone at 1800 161 391 or email at hello@fundo.com.au.

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.