Ready. Set. Loan.
Same day funds up to $5,000
Same day funds up to $5,000
There are many Australians in need who are looking for payday loans without credit checks. While it would be ideal to access easy loans without the need for anyone to look at your credit history, lending from financial institutions may or may not involve a credit check of some kind.

At Fundo, we are committed to responsibly offering online loans Australia-wide. As part of that, we may conduct a credit check before approving an application. You can rest assured, however, that our team values your privacy and security deeply. Your information is safe with us when you apply for a personal loan.

Our top priority is keeping your data safe. Thanks to industry-standard encryption, we’re able to protect your personal and financial information. Unauthorised people can’t access your data this way. We also follow relevant data protection laws. 

If you’re worried about the security of your cash loan application, our team is here to help. Fundo is always committed to protecting your privacy and your peace of mind.

You might be wondering if you can apply for payday loans without credit checks and without having to leave the comfort of your home. While we may conduct a credit check before approving your loan application, our application process at Fundo can be done online using your computer or mobile device.

It’s easy to get started; just click on the ‘Apply Now’ button and follow the instructions. We only need a few requirements compared to banks.

The best part is that with Fundo, qualified applicants can typically get loans approved faster and enjoy quicker disbursement times compared to traditional lenders. For example, if you apply for a loan with us well within business hours, we can typically process your application on the same day. If approved, the funds could be disbursed to you on the same day too!

Now you know that payday loans without credit checks aren’t a guarantee. However, let’s say you apply for a Fundo loan. Does your credit score get affected? Allow us to explain. Generally, good and consistent borrowing behaviour, whether it’s with Fundo or with other lenders, will have a positive effect on your credit score. 

The more your credit score improves, the lower your likelihood of needing to look for payday loans without credit checks. The lenders or financial institutions you apply to in the future will be able to review your history and see that you are financially responsible.

Another awesome thing about having a Fundo loan and consistently making repayments on time? When you do that, you can also raise your Fundo Credit Score (this is different from your actual credit bureau score). The higher your Fundo Credit Score, the higher the chances of your Fundo loans being approved in the future!

To be eligible for our small cash loans at Fundo, we require applicants to provide proof of income of at least $1,000 per fortnight, including government benefits. This is to ensure that you can make repayments comfortably and on time.

There are also some other qualifications you need to meet. You must:

If you’ve gone through the list and believe you’re eligible, there’s no need to wait any longer for the funds that can help you achieve your goals. Need a loan? Apply now and see how much you can borrow!

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.