Ready. Set. Loan.
Same day funds up to $5,000
Same day funds up to $5,000
In the vast expanse of the internet, we understand that looking for reliable online loans places can seem daunting, especially when your credit score isn’t the best. But don’t let that dampen your spirits. At Fundo, we firmly believe that everyone deserves a chance.

It’s the reason why we accept applications for quick short-term loans from those with good and less-than-perfect credit alike because, at Fundo, we prioritise your current financial situation over your credit history.

Our dedication to ensuring your financial well-being also obligates us to perform due diligence. As part of this responsibility, we may conduct a credit check when reviewing your application to ensure you’re not stretching yourself too thin, but it only plays a minor role in our decision-making process. Instead, we focus on your current ability to repay the loan.

When you ask ‘Where can I borrow money?’ you’ll often encounter two main types of loans: secured and unsecured loans. A secured loan is supported by something tangible like a car, home, or other assets. This means that if you’re unable to make repayments on secured payday loans, you stand to lose those assets since they act as security for the lender.

On the other hand, unsecured loans operate without security and often rely on your creditworthiness. This way, your assets remain in your name and under your control. At Fundo, we offer loans that are unsecured because we understand that life can be unpredictable and that sometimes you need a financial boost to keep you on track.

Navigating the world of finance can feel like decoding a foreign language, but with Fundo, you’re in safe hands. That’s the difference between us and other lenders: we’re here for you, no security required. Simply quick, easy, small, and medium online loans. Welcome to the Fundo way.
When taking out a secured loan, you’re leveraging your assets, like your home or car, which can open you up to risk and uncertainty. 

At Fundo, we have a different approach. We believe in allowing you to keep what’s rightfully yours, securely in your name. That’s why our loans are all unsecured. We assess your ability to repay and our commitment to your financial well-being.

We don’t want to burden you with risks; rather, we offer flexible repayment terms and no hidden fees so you don’t have to keep asking, ‘Where can I borrow money online?’ 

Here’s the best part: if approved, you’re free to use your loan for various purposes, whether as a home renovation loan, wedding loans, or even a travel loan.

You see, we’re not like those super strict banks. At Fundo, our commitment to you comes without fuss or any of those long-winded approval processes. We’re tech-savvy, friendly, and completely focused on providing the best funding experience possible for our customers.
Instead of asking, ‘Where can I borrow money?’ first, start by defining what you need the loan for and how much you want to borrow. Knowing your needs upfront can help you get past unsuitable options.

Next, consider the interest rates, terms, and potential fees like origination or prepayment penalties. It’s about more than just the initial loan amount; it’s also about what it may cost you in the long run. Remember, every loan is a little bit different, much like every financial journey.

Think about your repayment schedule as well. Can you afford higher monthly repayments to pay off your loan sooner? Or would lower, more manageable payments over a longer period suit your current circumstances better? It’s all about finding what fits best into your life.

At Fundo, we make this process easier by providing short-term loans and fast cash loans with no hidden fees, flexible repayments, and a no-fuss application process. With Fundo, it’s not just about getting a last minute loan — it’s about finding the best loan for you. We’re right here, ready to guide you every step of the way.

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.