Spot Money Loan

If you’re searching for a Spot Money loan, you may be looking for fast access to cash for small, short-term expenses. Spot Money loans are known for providing quick financial relief, but if you’re exploring alternatives, Fundo offers a similar service with small loans starting from $500. At Fundo, we provide a fast online application process, ensuring you get the cash you need quickly and conveniently, with flexible repayment options that suit your financial situation.

Thousands of Australians have turned to Fundo for fast, reliable loans, benefiting from our clear terms and quick approval times. Whether you need to cover a small expense, an unexpected bill, or another short-term cost, Fundo ensures you can apply and get approved without hassle. Our loan process is designed to provide transparency and ease, ensuring you face no hidden fees or surprises.

Once your application is submitted, our team works promptly to review it, often resulting in same-day approval. After approval, the funds are typically transferred to your account within hours, allowing you to manage your financial obligations quickly and effectively. Fundo’s small loans also come with flexible repayment options, making it easier for you to repay the loan in a way that aligns with your financial needs.

Spot Money Loan Alternatives FAQs

How fast can I get approved for a loan with Fundo?
Fundo’s online application process is designed for fast approval. Once you submit your application, it is reviewed promptly, and approval is often granted the same day. After approval, funds are typically transferred to your account within hours, depending on your bank’s processing times.

What can I use a loan from Fundo for?
Fundo’s small loans can be used for a variety of short-term financial needs, including emergency expenses, unexpected personal bills, or urgent financial gaps.

How flexible are Fundo’s repayment options compared to Spot Money?
Fundo offers flexible repayment plans that are customised to your financial situation. Whether you prefer a shorter repayment period or need more time, Fundo ensures that managing your loan is easy and stress-free.

Do I need good credit to apply for a loan with Fundo?
No, Fundo doesn’t require perfect credit. We focus on your ability to repay the loan based on your current financial situation, making our loans accessible even if your credit score isn’t ideal.

Fundo loan example

Borrow between
$500 to $5,000

Flexible
payment terms

No hidden fees
payout early for discount

Money in ~60 secs of
contract acceptance¹

Small loan

Loan amount from $500 to $2,000
Minimum 5 weeks to maximum 6 months
20% establishment fee and a flat
4% monthly fee⁴

Example⁶

RepaymentsWeekly

Term20 weeks

Loan Amount$1,000

Establishment fee$200

Total monthly fee (over 20 weeks)$200

Total repayable$1,400

Weekly repayment$70.00

Medium loan

Loan amount from $2,001 to $5,000
Minimum 9 weeks to maximum 6 months
$400 establishment fee, interest at
47.80% p.a. (comparison rate 63.29% p.a.)⁵

Example⁶

RepaymentsFortnightly

Term6 months

Loan Amount$2,500

Establishment fee$400

Total interest (over 6 months)$389

Total repayable$3,289

Fortnightly repayment$253.09

⁴ Fees are based on loan amount funded.

⁵ Comparison rate is based on an unsecured loan of $2,500 over a term of 6 months with a fortnightly repayment frequency.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

⁶ The example assumes timely repayment as per the loan agreement, or additional fees and charges may apply.

Apply Now

Safe and Secure. 5 min application²

Things you should know

*Terms and conditions, fees and charges apply. Max loan amount of $5,000 includes fees and charges. Approval and loan amount are subject to our credit assessment criteria.

¹As soon as you sign your contract, 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 its a public holiday, the funds are usually received by the next business day

²Applying for a loan with Fundo usually takes about 5 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.

Fundo is an Australian direct lender that offers short-term, small loans without any legal jargon or red tape. Our online loans are designed to provide access to a broad range of qualified applicants, including those with less-than-perfect credit.

Finding small loans with flexible repayment terms is now a reality with Fundo - no need to keep searching for 'Debt Consolidation Loans Bad Credit', 'Personal Loan With Fast Approval', or '24 Hours Cash Loans'. Applying for Fundo loans in the future gets more engaging when you pay off your loans in advance penalty-free while also increasing your chances for approval.

Fundo believes that eligible applicants should be able to get closer to the loans they need. If you've been looking for small cash loans through search terms like 'Instant Approval Loans Need Cash Today', 'Payday Loans No Credit Check', or 'Savvy Loans', then you can stop looking now - let us show you how easy it is to apply for a loan with Fundo.

Spot Money Loan