Ready. Set. Loan.
Same day funds up to $5,000
Same day funds up to $5,000
For those seeking small online loans, it’s essential to understand that the amount you can borrow is typically influenced by several factors, like the lender’s policies, your income, and your overall financial situation.

At Fundo, we believe in catering to your individual needs when you’re looking to apply for a short-term cash loan. We offer both medium and small online loans shaped to match your circumstances. 

You can simply turn to our platform and indicate the amount you wish to borrow in your application form. That means you don’t have to feel pressured about repaying an amount that exceeds your needs!

Our dedication doesn’t stop at providing quick loans. We’ve developed the Fundo Credit Score system, a unique feature that assesses more than just your credit history. It rewards punctual repayments, feedback, and referrals. As you improve your Fundo Credit Score, it can lead to higher chances of approval for your future Fundo loan!

The time it takes to process small online loans will depend on the lender. But it’s worth noting that getting approved for a loan doesn’t always mean waiting a few business days or even weeks to get approval.

Take us at Fundo, for example. We’re all about providing you with a quick personal loan online with a process that’s as seamless as possible, saving you unnecessary stress.

If you complete our online loan application within our business hours, which are Monday to Friday, 9.00 a.m. to 6.00 p.m., and Saturday, 9.00 a.m. to 5.00 p.m. Sydney time, it’s possible to receive your funds the same day if approved!

If you submit your application for any of our small online loans shortly before our closing time or after business hours, trust that we’ll process it the next business day, so you can receive a decision quickly and get closer to the funds you need.

The process of obtaining small online loans typically depends on the borrower’s specific situation and the lender’s set eligibility criteria. While some providers offer loans to the unemployed, most will require a steady income stream to approve an application.

At Fundo, we’re all about making quick short-term loans accessible to you, but we balance this with a commitment to responsible lending. While this might mean that most unemployed individuals might not qualify, we ensure those who get approved for fast, small loans with us can manage their repayments. 

That being said, you should meet the following criteria to be eligible for small online loans with Fundo:

If you have a complex employment situation but nonetheless meet the income criteria, you can contact us to discuss your circumstances.

Whether you can secure small online loans following a bankruptcy history is subject to the lender’s specific guidelines.

When it comes to Fundo, we may conduct a credit check before approving an application as part of our responsible lending approach, but this only plays a minor role in our decision-making process. 

We know that everyone has a unique financial journey, and we value your current financial standing. If you’re looking for small instant cash loans, our focus is on your ability to repay the loan, regardless of your past struggles. So, a history of bankruptcy may not necessarily prevent approval of your small online loan application.

Secure the funding you need and apply for a Fundo loan 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.