What Apps Let You Borrow Money Until Payday Australia

If you’re looking for apps that let you borrow money until payday in Australia, there are several options for short-term loans or early wage access. However, at Fundo, we provide a reliable alternative with our mobile-friendly website, offering small loans starting from $500. You can apply for a loan without the need to download an app, making the process simple and hassle-free.

Our online application process is fast and easy, ensuring you can borrow money quickly and efficiently when you need financial support before your next payday. Thousands of Australians have already signed up for Fundo because of our straightforward approach to lending and our commitment to providing transparent loan terms. Whether you’re dealing with an unexpected bill or a financial shortfall, Fundo offers the flexibility and speed you need to get through to your next payday.

At Fundo, we focus on delivering quick approvals without complicated requirements, making it easier for you to access the cash you need, whenever you need it. Once your application is submitted, it is reviewed promptly, often resulting in same-day approval. After approval, the funds are typically transferred within hours, helping you manage your financial situation without delay.

Fundo also offers flexible repayment options that are designed to fit your financial situation, so you can repay the loan comfortably by your next payday or over a longer period if needed.

Borrow Money Until Payday FAQs

Can I borrow money until payday without downloading an app?
Yes, with Fundo’s mobile-friendly website, you can apply for a loan online without the need to download any app. The entire process is done via our easy-to-use platform, giving you quick access to funds before your next payday.

How fast can I get approved to borrow money until payday?
Fundo’s online application process is designed for fast approval. Once you submit your application, it is reviewed promptly, often resulting in same-day approval. After approval, funds are typically transferred within hours, depending on your bank’s processing times.

What can I use a payday loan from Fundo for?
Fundo’s small loans can be used to cover various short-term financial needs, such as unexpected bills, personal expenses, or urgent costs that arise before your next payday.

How flexible are Fundo’s repayment options?
Fundo offers flexible repayment plans that are tailored to your financial situation. Whether you need to repay the loan by your next payday or prefer a longer repayment term, Fundo ensures that managing your loan is easy and stress-free.

Fundo loan example

Borrow between
$500 to $5,000

Flexible
payment terms

No hidden fees

Money within 60 secs
if NPP enabled

Small loan

Loan amount from $500 to $2000
Minimum 91+ days 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 $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

Example⁶

RepaymentsFortnightly

Term2 years

Loan Amount$2,500

Establishment fee$400

Total interest (over 2 years)$1,553

Total repayable$4,453

Fortnightly repayment$85.63

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.

Apply Now

Safe and Secure. 3 min application²

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.