$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.

You’re tight and might need fast cash, but getting a traditional loan can be time-consuming. A quick internet search for an ‘instant loan’ can yield mixed results. You understand that you need cash right away. But are instant loans the answer?

At Fundo, not only do we provide short-term personal loans quickly, but we also provide a range of benefits to the borrower. We understand that finance is not just some kind of instant loan service but something that you can carefully manage and benefit from.

Learn more about the benefits of an instant loan at Fundo. 

Are small loans much easier to apply for online?

In general, small loans are easier to apply for online, as it’s typically faster and more straightforward than traditional processes. Most non-traditional lenders also have more lenient requirements for loan applications.

At Fundo, we understand that you can have complex financial situations, so while we credit check each of our borrowers, it is not the main deciding factor for approval. Instead, we carefully consider each loan application. As responsible lenders, we want to ensure that you’re not putting yourself at any financial risk when we approve your loans, like short term loans or small personal loans. 

How do you qualify for a Fundo loan?

At Fundo, our online application process is quick and simple and can be done 100% online. Usually, you begin by declaring the amount you want to borrow, followed by disclosing your general information. If you wish to qualify for a Fundo loan, you must: 

  • be at least 18 years old;
  • be a permanent resident or citizen of Australia;
  • earn at least $300 per week in regular income (excluding government benefits); 
  • show that you can pay on time; and
  • must ensure you’re not placing undue financial pressure on yourself.

We may contact you for more information or documentation depending on the loan size you are applying for or to clarify the requirements you’ve submitted to us. If you don’t meet one of the requirements or have a complex situation, it doesn’t mean you can’t get a loan from Fundo. Contact us, and let’s understand your situation and find out what we can do to help. 

How quickly can I get a cash advance online?

Depending on the lender and their affiliated banks, you can get your cash advance relatively quickly, within hours or days. However, cash advances and options similar to an instant loan have particular terms and conditions that allow for these quick approval times. These options can come with higher interest rates and other fees. 

Fundo has similar additional fees for our quick loans and personal loan options. However, the details of your loan (including the repayment fee and schedule and all costs related to your loan) are given to you before you even sign the agreement. We don’t try to blindside you with legal or technical jargon when you’re applying for a loan.

What sets Fundo apart from others?

Instead of looking for instant approval cash loans or an instant loan, Fundo loans can help you cover sudden gaps in your budget when you encounter unexpected expenses. You’re likely to find small, short-term loans that fit your needs.

Apart from our loan products, such as small personal loans, we also offer a range of benefits that educate borrowers in a fun and engaging manner about sound financial habits.

Fundo’s self-service dashboard separates us from other lenders, allowing us to offer convenience along with fast approvals. On our dashboard, you’ll be able to easily manage your loan and repayments. You’ll also be greeted by financial wellness and improvement information, a big part of our vision for our borrowers. 

Moreover, we also have the Fundo Credit Score. It’s an independent credit score system that’s based on the financial decisions you make with an outstanding Fundo loan.  If you make repayments on time or recommend Fundo to friends or family, your Fundo Credit Score will increase. Conversely, your score will stay the same if you miss repayments or have to reschedule your repayment periods. The better your Fundo Credit Score is, the more likely your next loan will be approved.

Where is the best place to get an instant cash loan in Australia?

A quick internet search for terms related to an instant loan would lead you to different sites that can offer adequate services for instant cash loans in Australia. However, we can’t say where the best place to find cash loans in Australia is. Your current financial situation determines what kinds of loans and lenders are best to borrow from.

At Fundo, it’s possible to get your money the same day. If you submit your application within business hours and you get approval, we’ll transfer the money to your account ASAP.

Please contact us anytime for more information on our loans, loan eligibility requirements, or even advice on which loans are a good fit for your current situation. We’re available by phone ((02) 9066 9660) or email (

We understand how difficult it can be to find loan options when you have a complex financial situation. Please tell us more about your unique circumstances, and we’ll see what we can do. Instead of looking for an instant loan online, Fundo can help.

Apply for a loan with Fundo today and learn more about your financial wellness!

This article contains opinions and information that should not be construed as financial advice or recommendations unless otherwise indicated. We reserve the right to change any commentary views without notice.