$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.

In theory, getting an instant cash loan shouldn’t exclude a wide range of individuals, yet it seems like it’s becoming more common among mainstream lenders.

There are a number of cases where individuals with poor credit scores have been rejected, or people have been turned down for a small loan without a thorough evaluation. Unfortunately, a person’s unique circumstances, such as seasonal employment or a complicated situation, that negatively impacted their credit score in the past still have an impact on their ability to borrow today.

If you need instant cash today, these are all no-go options.

Fundo thinks this isn’t all that fair, to be honest. It’s why we’re among the lenders out there that have made our easy instant cash loans more accessible to a wider array of borrowers. Not only that, we don’t just rely on your credit history or score to assess your creditworthiness.

But before you dive into our application page, there are some things you’ll need to know about our instant cash loans. Here are a few of them.

What are the advantages of borrowing emergency money online?

Fundo’s loan applications are fully online, so you can apply at any time of day or night and from any device of your preference. This means that our easy personal loans online are exactly that: easy, quick, and simple.

We also don’t burden our borrowers with legal jargon or complex lending terms. Red tape is annoying at best and a waste of time at worst; you need fast cash loans today, not in three days or two weeks. We do our best to avoid this when we review applications here at Fundo.

Of course, this isn’t to say that we guarantee all of the applications for instant cash loans we receive. What we do is our best to be fair: we take into consideration all of the factors of your application, so we can give you the best chance at an instant cash loan we can offer. While we perform credit checks, they only play a small role in our review process.

If you want to know more about your application’s chances of approval, why not give our Fundo Credit Score a try?

The Fundo Credit Score is our unique scoring system that allows borrowers to improve their chances of getting their instant cash loans approved. You can increase your Fundo score by repaying your instant money loans on time or earlier, referring Fundo to your friends and family, and leaving us feedback online.

This feature is free to use for our borrowers, so take advantage of it when you can.

Are loans better than going to a pawnshop to get instant cash?

A concern you may encounter with a quick small loan at lending places like pawn shops that require collateral before they disburse the money.

What is loan security, though, and why do some places ask for it?

When you borrow a personal loan like a payday loan or instant cash loan, you’re applying for one of two types: the secured personal loan, which requires collateral to ‘secure’ the loan against possible defaults or non-payment, and the unsecured loan, which does not have the same requirement.

Pawnshops ask for a collateral asset when you borrow instant cash from them. Because these assets are typically high-value for the individual borrower – such as jewellery or expensive mobile devices – these lending places can seem like a hard bargain for many.

At Fundo, meanwhile, you can apply for a loan within minutes if you meet our minimal requirements, which are as follows:

  • You’re at least eighteen years old at the time of your application.
  • You’re a tax-paying Australian citizen or permanent resident.
  • You’re earning a minimum of $300 a week (excluding any government benefits or pensions).
  • You’ve got a plan for completing your Fundo loan that you can demonstrate to us.
  • You won’t be under undue financial pressure by taking on a loan from us.

Meeting all of these requirements does not mean a guaranteed instant cash loan, but they do give your application better chances.

As well, we encourage borrowers to have an income stream separate from any government benefits. If you rely on such benefits for your finances, we may have to ask you to reapply at a later time.

Can I borrow money from money apps such as Paypal?

Apps like PayPal are online platforms that facilitate payments between an individual’s funds account and a merchant or another individual’s account. These apps are also known as digital wallets or e-wallets.

What this means is that they only hold your funds for you and do not offer or provide you with them, though some wallets might offer you a credit line if they have the licence and banking or lending accreditation to do so.

Transactions with these digital wallets also incur fees per transaction, depending on the transaction type or currency. In some cases, the guidelines are complex, and you may be paying a fee with every transaction without realising it.

If you’re looking to take out a fast cash loan, you can take advantage of better alternatives.

That said, Fundo instant cash loans offer transparency where fees are concerned. We disclose all our fees to you during the loan offer stage, so you’re aware of what your benefits and responsibilities are when you apply for a loan with us.

You can also view this information along with your instant cash loan documents through the self-service dashboard. This dashboard is a special feature we offer to all of our borrowers.

With this dashboard, you can better manage your instant quick loans with us. On top of viewing your repayment history and upcoming schedule, you can also review your account information and receive free financial wellness advice from us.

You deserve a chance at a fair instant cash loan opportunity. Let us offer you that and apply for our small loans today.

The opinions in this article are for general information and entertainment only and should not be taken as financial advice or recommendations unless otherwise explicitly stated. Any opinions expressed in the article may change at any time without prior notice.