$500 - $5000
between $500 - $5000
up to 180 days
20% upfront establishment
fee 4% monthly fee

Small LOAN

Loan amount from $500 to $2000
Minimum 91+ days to Maximum 6 months
20% Establishment Fee and a flat 4% Monthly Fee*


Loan Amount of $1,000 over 20 weeks repayable weekly. $1,000(Principal Amount) + $200(20% Establishment Fee) + $200(fees based on 4% per month over 20 weeks) = $1,400 total repayable in 20 weekly repayments of $70.00.

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


Loan amount from $2001 to $5000
Minimum 91+ days to Maximum 2 years
$400 Establishment Fee plus interest at 47.8% p.a. (Comparison Rate 66.58% p.a)*


Loan Amount $2500 over 2 years repayable fortnightly. $2,500 (Principal Amount) + $400 (Establishment Fee) + $1553 (Interest) = $4453 total repayable in 52 fortnightly instalments of $85.63

*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.

Are you looking to get a payday loan from an online lender? 

Emergency bills, medical expenses, car repairs, groceries, or other immediate financial needs can be difficult to handle if you don’t have enough cash. The right loan at the right time can provide you with the cash you need to get through a tough financial situation, but not all lenders are created equal. When you need fast cash, your best bet is to find an online lender that will provide the funds quickly and easily. 

Fundo is an Australian lender that offers accessible, small, short-term loans. We understand that life can throw some unexpected financial challenges at you, and we’re here to help you get through them. Our online application process is quick and easy, and we offer faster turnaround times than traditional lenders.

Can I get a payday loan without a bank account?

Generally speaking, it is not possible to get a payday loan without a bank account. Payday loan providers usually require access to a checking or savings account to transfer the funds. Without access to a bank account, it would be difficult for the lender to deposit the money and be confident that it would be paid back. 

At Fundo, we transfer your funds immediately via direct deposit into your bank account once you’ve been approved. 

We provide our customers with a simple and quick application process, which only takes a few minutes to complete. Our business hours are from Monday to Friday, 9 a.m. to 6 p.m., and on Saturday, 9 a.m. to 5 p.m. If you are interested in applying for a loan, simply click ‘Apply Now’ on our website and fill out the short form.

If you submit your application and get approved during business hours, you can likely get your money within the same day. But if you submit close to the end of business hours or on a Sunday, there’s no need to worry. We can get back to you within twenty-four hours or the next business day.

Can I get a payday loan before my first paycheck?

Even if you are new to your job, you can still apply for a loan. Depending on the lender, it may be possible to get a payday loan before receiving your first paycheck. However, you may have problems getting approval because lenders typically ask for proof of regular income.

Lenders usually want borrowers to have been in their current jobs for at least three months before they consider approving a loan request. Your application might do better if you are able to hold off on submitting it until a few more months have passed at your current job.

You don’t have to look up ‘quick ways to get a payday loan’ whenever you are in need of fast loans online. You can complete your application for a loan within minutes at Fundo. We only require some basic information from you for your application, such as:

  • details of your regular income;
  • details of your government benefits, if any;
  • proof of identity (e.g. Australian Drivers Licence, Proof of Age Card, Passport); and,
  • bank account details, including your Bank, Account Name, BSB, and Account Number.

Are payday loans available everywhere in Australia?

Yes, you can get a payday loan throughout Australia, but their availability typically depends on the lender. Lenders must be licensed by the Australian Securities and Investments Commission (ASIC) and operate within their guidelines.

These types of loans are usually provided by private lenders, who may not have a presence in every state or territory. Depending on the state you live in, there may be varying regulations regarding payday loans and the amounts that can be borrowed.

No matter where you are in Australia, whether you are searching for ‘payday loans NSW’ or something similar, you can easily apply for small, short-term loans through Fundo’s online platform without having to visit a physical branch or get in a queue. We accept applications on our site 24/7. You can do it all from the comfort of your own home from any device.

 In order to qualify for a Fundo loan, you must meet the following requirements:

  • You must be at least 18 years old when you apply.
  • You must be an Australian citizen or a tax-paying resident.
  • You have to make a regular weekly income of $300, not including government benefits would be considered sufficient.
  • You have to demonstrate that you are able to meet repayment deadlines.
  • You should not place undue financial pressure on yourself by borrowing from Fundo.

Our borrowers can get access to our exclusive features, like the Fundo Credit Score. 

Borrowers can interact with their Fundo Credit Score by leaving reviews, referring us to friends, and paying on time or early. If you don’t have too many loans from other providers, that also helps your Fundo Credit Score. Generally, the higher your Fundo Credit Score, the more likely you are to be approved.

On the other hand, if your Fundo Credit score is lowered, your chances of being approved for a loan are reduced, which is why it is important to make your repayments on time.

Borrowers can check their Fundo Credit Score and review other loan information through our self-service dashboard, where they can also find helpful financial wellness advice and suggestions on topics like small advance loans and low interest payday loans.

Stop combing through the search results for ‘how to get a payday loan’ online. Apply for a loan today with us!

Disclaimer: The opinions expressed in this article are strictly for general informational and entertainment purposes only and should not be taken as financial advice or recommendations. Any commentary views are subject to change without notice at any time.