$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.

If your search history is filled with terms similar to ‘instant cash advance Australia’, then you might be in need of an immediate short-term loan for various reasons, and you may be having difficulty finding a lender that suits your needs.

Many traditional lenders are slow to respond to inquiries and may impose exhaustive limitations on what you can access, which can make finding a lender who offers small, flexible loans feel like a lifelong process.

Loaned funds for home improvements, holidays, school-related peripherals, or other unexpected expenses are often not easily available from mainstream lenders. At Fundo, we aim to give you access to small but robust fast loans online with flexible terms than what a bank or credit union may give you. Best of all, our application process is 100% online, so you don’t have to wait in long lines to get the funds you need now.

Before rushing to our application page, however, there is some information about our process that you’ll need to know first. Let’s talk about a few of them.

Are seasonal workers eligible for payday loans?

The answer to this question is a resounding yes – self-employed, seasonal, or part-time workers searching online for ‘instant cash advance Australia’ options can find short-term loan alternatives here at Fundo.

Generally speaking, there are two types of personal loans available to you online: secured loans, which require collateral, and unsecured loans, which do not.

Loans that require collateral typically also have higher requirements, such as detailed bank statements or other financial documents to prove ownership of the asset or assets used as security for the loan. Conversely, instant online cash loans that do not require collateral generally have lower or minimal eligibility requirements.

Online instant loans are, in theory, the same as personal loans. Although the practise of using post-dated personal checks isn't common in the country, some payday loan lenders require the borrower to provide security for the loan with their next paycheck or bank account access. 

Meanwhile, the personal loans for cash here at Fundo are unsecured, short-term ones, which is useful to those in search of ‘instant cash advance Australia’. Unlike other lenders, we don’t just rely on your credit history or score when we assess your application. This is because your credit score is only one aspect of what we look for in terms of creditworthiness.

This is also why we have the Fundo Credit Score feature, which lets our borrowers give their applications better chances of getting their last minute loan approved. You can do so by repaying your loans on time or earlier, referring us to friends and family, and leaving us reviews online.

At Fundo, we believe in fair chances, and so we consider all factors of your situation when we review your application.

Are there any alternatives to payday loans if I don't qualify?

Why not give Fundo loans a try?

We offer alternative small loan products for those in search of ‘instant cash advance Australia’, with amounts ranging from $500 to $2,000 to address any one-time expenses you may have. Our application process is also entirely online, meaning you can apply at any time from any device of your choice, and we’re likely to review them promptly.

In instances where the application is eligible, same-day approval and loaned funds release are even possible.

While we don’t guarantee loan approvals – our loan consultants review each application independently – we do offer a fairer chance than most mainstream lenders may offer sole traders, seasonal workers, and anyone who may need a short-term loan quickly. 

We provide easy, simple, and fast small loans to those that need them. If you want to experience a hassle-free borrowing experience, try out Fundo today.

What are the basic requirements for a payday loan in Australia?

While we don’t provide payday loans at Fundo, we do offer a range of loan products that suit any short-term financial need. The basic eligibility requirements for our small loans are minimal. To qualify for a Fundo loan, you must be:

  • at least eighteen years old at the time of application;
  • a tax-paying Australian citizen or permanent resident;
  • earning at least $300 a week before government benefits or allowances;
  • demonstrate an ability to meet repayment deadlines; and
  • under no undue financial pressure by taking on a Fundo loan.

Meeting these requirements does not guarantee instant loan approval, but they do give your application a good chance of being positively reviewed by our loan consultants, so you can stop your online searches for ‘instant cash advance Australia’.

Our requirements don’t separate those with traditional incomes from those with non-traditional incomes, such as self-employed, seasonal, or part-time workers. That means as long as you’re earning the required minimum of $300 or more weekly at the time of your application, regardless of your employment type, then you may qualify for immediate cash loans with us.

That being said, we strongly encourage you to have a separate income stream from your government benefits or pensions when applying for a loan at Fundo. Because we follow the responsible lending laws of both the federal and state governments, we may ask you to reapply at a later time so that you can meet the minimum income requirements.

Don’t worry – we’ll do our best to be as fair as we can when taking your situation into account. Fundo understands that all financial situations are unique, and so we take into account several factors aside from your credit score when you apply for online fast loans with us.

Everyone deserves a chance at financial wellness, so take yours today and apply for a loan with Fundo.

Disclaimer: Unless otherwise stated, the opinions in this article are only for general information and entertainment. They should not be taken as financial advice or recommendations. Any commentary views can change at any time without notice.