$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.

The Fundo Alternative To ‘Instant Approval Loan No Credit Check’

‘Imagine getting funds faster than your coffee gets cold. That’s the instant approval loan no credit check promise!’

Have you ever come across an ad like this and thought of going for it during a tough financial time? When unexpected financial challenges arise, many people turn to any sort of answer, even though it may not be the most ideal solution in the long term.

Rather than looking for an instant approval loan, a no credit check loan, or other immediate financing solutions, turn to Fundo. While we don’t offer instant approval loans, we do offer suitable alternatives with fast processing times.

The Two Sides of Instant Approval Loans

Unravelling Instant Loans Without Credit Checks

These loans, often dubbed as fast approval loans or instant decision loans, are financing options where the lending decision isn’t based on an applicant’s credit history and don’t require much documentation.

These ‘instant approval loan no credit check’ options have become so popular because of their speed and accessibility. Many Australians, especially those with less-than-optimal credit histories, can take out a loan without a credit check in no time, which is a major difference compared to the typically time-consuming processes of traditional lenders.

The Downside of Instant Approval Loans

The growing popularity of ‘instant approval loan no credit check options’ in Australia is undeniable. However, there are risks to getting a loan for no credit, such as hidden fees, short repayment terms and unforgiving penalty charges. Some lenders might even hide behind complicated terms, leading borrowers into debt traps.

Additionally, there’s the concern of unregulated lenders, those of which can be predatory, taking advantage of the borrower’s urgency.

The Fundo Difference

Fundo’s Fresh Take on Online Loans

At Fundo, we believe in doing things differently. Think less bureaucracy and more empowerment. No mind-boggling forms, just a seamless online experience designed for today’s fast-paced world. It’s our unique, customer-centric approach that makes us stand out in the world of online lending where it feels so easy to choose ‘instant approval loan no credit check’ options.

With Fundo, what you see is what you get. We’re passionate about maintaining a transparent relationship with our customers. This means no hidden fees and no complicated financial jargon. We’re here to make your funding journey not just easier, but also clearer, every step of the way as you apply for our small or medium cash loans.

Get Started With Fundo

Fundo Eligibility Criteria

While we may not offer instant approvals, we do have minimal requirements. To be eligible for our alternatives for a no credit check quick loan, you must:

  • be at least eighteen years old at the time of your application;
  • be a citizen or tax-paying resident of Australia;
  • earn at least $1,000 per fortnight, including government benefits
  • demonstrate an ability to meet repayment deadlines; and
  • ensure you will not place undue financial pressure on yourself by borrowing from Fundo.

Fundo Application Process

Once you’re certain you meet our eligibility criteria, you can head on to our homepage and select ‘Apply Now’. Follow the instructions and you can expect a response in just hours, many times on the same day! We assess applications from Monday to Saturday, and the best part? Our online application form is accessible around the clock, 24/7, for your convenience.

Frequently Asked Questions (FAQ)

What is the difference between a payday loan and an instant approval loan?

Payday loans are typically small loans that are due on your next payday. On the other hand, an instant financing solution is a type of loan where the application process is expedited, often with approvals made instantly.

At Fundo, while we don’t offer these types of loans, we do have small and medium loans with flexible repayment terms. Because we understand that everyone has different circumstances, we can tailor a plan to meet your needs.

Is there a minimum credit score required for these loans?

Lenders who offer ‘instant approval no credit check’ loans, as the name suggests, typically do not focus on credit scores for approval. Instead, they may have stricter criteria, such as a high minimum income requirement.

At Fundo, we still conduct credit checks as part of our commitment to responsible lending but it isn’t a major deciding factor in our approval process. Instead, we focus on your current ability to repay the loan, not your financial history.

We also have our very own Fundo Credit Score system, which rewards timely repayments, valuable feedback and friend referrals. An improved Fundo Credit Score boosts your loan approval prospects and brings special perks, so there’s no need to look for an instant approval loan, no credit check loan, or even a payday loan anymore.

How quickly can I get the funds once approved?

For options like ‘instant approval loan no credit check’, the funds are released promptly.

At Fundo, it’s also possible to get the money on the same day. Just make sure you submit your application during Fundo business hours – which are Monday to Friday from 9.00 a.m. to 6.00 p.m. and Saturday from 9.00 a.m. to 5.00 p.m. Sydney time. If it’s approved, you can get the funds quickly.

If you happen to submit near the close of business or on Sunday, no worries. You can expect the money on the next business day if you’re approved. However, please remember that bank processing times can vary, but rest assured, we always strive to get your funds to you as swiftly as possible.

Embracing Financial Empowerment with Fundo

In today’s tech-savvy world, the demand for fast online loans and efficient financing solutions has skyrocketed and that’s evident in the increase in searches for ‘instant approval loan no credit check’ online.

Fundo emerges at the intersection of innovation and empathy, driving a revolution in the online lending landscape of Australia. We provide fast, online loan alternatives to Aussies looking for an instant payday advance, no credit check emergency loans, or even a car finance no credit check solution.

Apply for a loan with Fundo today!

Disclaimer: Please note that we do not offer instant approval loan no credit check. At Fundo, we provide personal loans and may be able to help you, like the thousands of Australians we have already helped.

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