Ready. Set. Loan.
Same day funds up to $5,000
Same day funds up to $5,000
We understand that applying for a small loan online for the first time can be anxiety-inducing. Rest assured, though, that our team cares deeply about your privacy and security. Everybody wants their information to be safe when applying for online loans.

Keeping your data safe is our top priority. We protect your personal and financial information with industry-standard encryption. Unauthorised people can’t access your data this way. In addition, we follow relevant data protection laws. 

Worried about the security of your cash loan application? If you have any questions, we’re here to help. Fundo is committed to protecting your privacy and keeping your peace of mind.

With Fundo, you indicate your requested amount when you submit your application. The small loan online that could be granted to you is determined by a number of factors. We consider things like your income, your requested amount, and how well you have demonstrated your ability to make repayments promptly.

You can apply for a loan of only a few hundred dollars. For those who have expenses that are slightly larger, we also offer medium loans in the thousands. Our maximum loan amount could change over time, so we suggest checking our home page for updated information.

If your Fundo loan gets approved, you’ll be able to review your loan contract, choose your repayment terms among the available options, and see instructions for repaying your small loan online. You can process a payment to your loan at any time via our self-service dashboard.

Your required repayment will be automatically debited from your account on the dates corresponding with your regular pay days. This is a more convenient way to pay for your quick loans. This way, you won’t have to set reminders for yourself or potentially miss payment dates, which can affect your likelihood of getting more Fundo loans approved in the future.

The improvement of your credit score depends on how well you manage credit products. Missing out on repayments or defaulting on a loan, in general, can cause a dent in your credit score. Applying for multiple credit products in a short period of time may also negatively impact your credit score.

On the other hand, those who exercise good borrowing behaviour, whether it’s for instant personal loans, home loans, or other financial obligations, can expect their credit score to either stay at a good level or increase. This means that regularly making repayments early or on time on a loan can help build your score. 

Here’s the great thing about having a loan with Fundo and consistently making repayments on time: by doing this, you can also raise your Fundo Credit Score (which is different from your actual credit score). The higher your Fundo Credit Score, the higher the chances of your future Fundo loan applications being approved!

This is why it’s important to avail yourself of small or medium loans when you know you can handle making repayments. When you borrow responsibly, you can reap the benefits in the long run.

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.