$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.

Unexpected financial needs can be overwhelming and hard to manage, prompting you to search online for terms like ‘I need money desperately Australia’ or ‘desperate for personal loan’. But even with these terms, it can be difficult to find the right lender, and the process of applying for a loan can be long and tedious.

What you need is fast and easy access to cash, which Fundo can provide. Our simple application process and quick decision-making make it easy for you to get closer to the funds you need quickly and without any hassle.

How much can I borrow from urgent loans online?

The amount you can borrow from an online urgent loan lender depends on various factors, including lender policies and the type of loan you are applying for as you search ‘I need money desperately Australia’ online. 

At Fundo, we provide various loan options with loan amounts ranging from $500 to $2,000 to meet different financial needs when you need urgent cash. Our loans can be used to cover one-off expenses, such as dental treatments, cosmetic surgery, or even to consolidate your debt so you can easily manage your finances.

Our loans also come with flexible repayment periods of up to 180 days, allowing customers to choose the best option for their financial situation.

Applying for a Fundo loan is simple. Just go to our homepage, click the ‘Apply Now’ button, and follow the prompts. If you qualify, we will send you an agreement and deposit the funds into your account quickly. If you apply and get approval during business hours, chances are you’ll get the money the same day.

Our online application form is available 24/7 for your convenience. Plus, we process applications from Monday to Saturday, which is great if you’re one of the many people searching ‘I need money desperately Australia’ or ‘fast cash loans Australia’ online. Please note that bank processing times can vary, so funds may become available the day after your approval.

Are online emergency loans a good idea?

Online emergency loans can be a useful option for individuals who need quick access to cash to cover unexpected expenses. However, it’s important to be aware of the potential risks associated with taking out such loans, such as hidden fees and strict payment terms.

When applying for a loan, consider the interest rate, fees, repayment terms, lender’s reputation, the application process and timing, your financial ability to repay, and the lender’s flexibility in the loan amount and repayment options. Although you’re looking up ‘I need money desperately Australia’ online, we still encourage you to make good financial decisions.

Research and compare different lenders to make an informed decision instead of choosing the first lender that claims to provide the cheapest cash loans.

When choosing a lender for emergency cash loans online, it’s also important to consider how easy it is to manage your loan with them instead of focusing on your search for ‘I need money desperately Australia’. At Fundo, we make it easy for you to access and manage your online loan at any time through your personal dashboard. 

In the dashboard, you can view and update your account information, make or reschedule payments, and keep track of your loan details, such as balance, duration, and payment dates. This way, you can take control of your loan and manage it conveniently.

What are the qualifications for an urgent loan?

To qualify for an urgent loan with any lender, you must meet basic eligibility criteria. These may vary depending on the lender and the type of loan you are seeking, but with Fundo, you must: 

  • be at least 18 years old at the time of your application;
  • be a citizen or tax-paying resident of Australia;
  • earn at least $300 per week in regular income, excluding government benefits;
  • demonstrate an ability to meet repayment deadlines; and
  • make sure you won’t place undue financial pressure on yourself by borrowing from Fundo.

You may quickly notice that having a good bureau credit score isn’t a prerequisite for applying to borrow money today at Fundo, and that is because we focus more on an individual’s current ability to make their loan repayments than their financial history. So when you’re out there searching ‘I need money desperately Australia’ online, remember that Fundo provides options regardless of your credit score.

Additionally, we take a holistic approach to credit scoring by using our own system, called the Fundo Credit Score. This system rewards you for paying your online loan early or on time, giving feedback, and referring friends to Fundo. 

The higher your Fundo score, the better your chances of getting approved for a quick personal loan online with us. We also offer discounts and benefits for those with high Fundo Credit Scores.

Let Fundo be your go-to source for emergency cash

At Fundo, we recognise that unexpected situations arise, and when they do, obtaining cash quickly through options like 24/7 instant loans is a priority. We make it easy for you with our simple application and fast decision-making process to cater to those with urgent money needs.

With us, you can get closer to the funds you need quickly, often on the same day, from the comfort of your home. Our team is available to answer any questions you may have about our quick short term loans in Australia. You can reach us by phone, email, or through our online chat service instead of opting to type up ‘I need money desperately Australia’ on your search engine.

Get started on your loan application process with Fundo.

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