$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 you are looking for instant cash loans, no credit checks, and favourable repayment terms and rates, you are probably in a financial bind. Covering unexpected expenses when you are strapped for cash can be stressful and time-consuming and if you have bad credit or no credit at all, it can be even more difficult to get approved for a loan – especially if you need it right away.

At Fundo, we are dedicated to helping people get fast access to the money they need. As a wholly Australian-owned business, we understand the needs of those looking for ‘instant cash loans no credit checks’. That’s why we offer quick turnaround times and a convenient online loan application process.

What are the benefits of loans with no credit checks?

‘Instant cash loans no credit checks’ options offer advantages and disadvantages for borrowers. The most significant benefit of this type of loan is that it allows those with limited credit histories to access much-needed funds without undergoing traditional credit checks. This makes it easier for those struggling with debt to obtain financing, which they may not be able to qualify for otherwise.

However, there are a number of potential drawbacks that should be taken into account while considering the benefits of quick cash loans with no credit check.

When lenders do not perform a credit check, they cannot determine the borrower's creditworthiness and therefore must charge higher rates to protect themselves from potential default. As a result, the interest rates and fees associated with such loans are often substantially greater.

At Fundo, we understand that your credit score isn’t necessarily an accurate representation of your financial standing and that having a less-than-perfect score is often unfairly punished by many mainstream lenders. That is why we look beyond your credit score when determining your ability to repay your loan. As responsible lenders, we take a holistic approach to understanding our borrowers’ individual situations.

How easy is the application for online loans with no credit checks?

Traditional lenders may require more stringent criteria for loan approval, such as a higher credit score or a higher monthly income. They often require extensive paperwork, including bank statements, tax returns, credit reports, and more. With online lenders, however, the process is much simpler.

When it comes to ‘instant cash loans no credit checks’ applications tend to be easy and quick due to the lack of a credit check. However, because of this, fees also tend to be much higher as lenders balance the risk. So while they can be convenient when you need emergency funds, this aspect can make repaying them on time a challenge.

Here at Fundo, we get that unexpected issues sometimes arise. There will inevitably be moments when you need cash quickly. You can't afford to waste time on lengthy applications, drawn-out reviews, or waiting on hold. When you need money for an emergency, you need it now. When you choose Fundo, you can apply for a personal loan without leaving the house and enjoy fast turnaround times.

Getting started is easy. You can apply directly by going to our homepage, clicking the 'Apply Now' button, and following the prompts. Our online application form is available twenty-four hours a day, seven days a week. We process applications Monday through Friday, 9 a.m. to 6 p.m., and Saturday, 9 a.m. to 5 p.m. 

If you’re qualified for a loan with us, we'll send you an agreement, and you'll receive the funds as soon as possible, often within the same day. This way, you'll never have to resort to doing your own research into or depend on ‘instant cash loans no credit checks’ again.

How much can I borrow on a no credit check cash loan?

The amount you can borrow with no credit check instant loans will vary depending on your individual circumstances, such as your current income and employment status, the amount of money you are looking to borrow, and the lender you are applying with. Generally speaking, no credit check cash loans in Australia can range anywhere from a few hundred dollars to several thousand dollars.

If you are in need of quick short term loans to cover unexpected expenses, Fundo offers small, short-term personal loans designed to help those searching for ‘instant cash loans no credit checks’ manage short-term costs like medical bills, car repairs, or even a holiday. We have simple and straightforward requirements for eligibility:

  • Applicants must be at least eighteen years old at the time of application.
  • You must be an Australian citizen or a tax-paying resident.
  • You must earn at least $300 per week in regular income, excluding government benefits.
  • You have to show that you are capable of meeting repayment deadlines.
  • Make sure you don't place undue financial pressure on yourself by borrowing from Fundo.

We offer short-term loans ranging from $500 to $2,000 with repayment options of up to 180 days. On top of that, approved borrowers have access to a unique feature called the Fundo Credit Score, which is independent of any credit reporting bureau in Australia. 

This score reflects your progress throughout your borrowing journey with us. Whenever you successfully repay a Fundo loan, you'll receive points as a reward. You can also win points for leaving a review, referring a friend, and having Fundo as your sole lender. The higher your Fundo Credit Score, the higher your chance of being approved for a future loan.

You can monitor and manage your Fundo Credit Score using our interactive self-service dashboard. This dashboard will also let you make and reschedule payments, as well as receive tips and advice from the Fundo team on all things related to financial wellness, whether it’s cash now loansweekend loans, or quick loan apps.

No more late nights scrolling through the search results for ‘instant cash loans no credit checks’. Apply for a quick fast loan right here on our site!

Disclaimer: Please keep in mind that the opinions expressed in this article are strictly for informational and entertainment purposes only and should not be taken as financial advice. Commentary views are subject to change at any time and without prior notice.