$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 may think that your local bank is the easiest place to get a loan since it’s the one nearest you. But the truth is that instead of instant loan approval, it can actually take days or even weeks to get a decision from a traditional lender. Like you, many people are frustrated with how long it takes to apply for a loan at their bank, especially when they need fast cash to cover sudden expenses. 

Your instant loan approval searches are over now that you have found Fundo! We understand that life can be unpredictable, and sometimes you need fast access to funds, so we make it our mission to provide a hassle-free experience when applying for a loan at Fundo. Our online application can be completed from the comfort of your own home, and we do our best to provide a quick outcome. 

Now that you’ve been introduced to Fundo, let's move on to some specific questions you may have about instant loan approval so you can make an informed decision if you ever decide to apply for small loans today

Are smaller loan amounts easier to apply for?

Smaller loan amounts may be easier to apply for in some cases as the requirements may be less stringent than those for larger loans. However, this can vary depending on the lender and the borrower's specific circumstances. The ease of applying for loans can vary depending on the lender's internal processes; lenders with streamlined online processes are more likely to be able to provide instant loan approval than lenders with outdated, manual processes. 

At Fundo, we take pride in our straightforward, technology-driven application process that can be completed entirely online. This means that you can apply for a loan from home without needing complicated paperwork or in-person visits. Our online process is designed to be convenient and efficient, allowing you to complete the application in minutes and receive an outcome quickly. 

Exactly how easy is it to apply for easy personal loans online at Fundo? All you have to do is navigate our platform, click the ‘Apply Now’ button, and follow the prompts. After submitting your application, our team will review it and provide an outcome as soon as possible. If you’re approved for a loan, you may receive the funds within the day if you applied during business hours and everything goes smoothly.  

What are the lending criteria for fast approval loans?

The lending criteria for a fast-approval cash loan can vary depending on the lender and the specific loan product. In general, lenders may consider various factors when deciding whether to approve a loan, including the borrower's credit score, income, debt-to-income ratio, and credit history. 

It’s ideal to know the requirements and terms of a loan before applying to ensure that you have a good understanding of what is expected and so you can determine your likelihood of getting instant loan approval.

If you're looking for a small personal loan, Fundo may be the right choice for you. We have minimal eligibility requirements, so you’re more likely to qualify for a loan with us than with traditional lenders with stringent requirements. You’re eligible for a Fundo loan if you are: 

  • at least eighteen years or older at the time of application; 
  • a citizen or permanent resident of Australia;
  • earning at least $300 per week, excluding government benefits;
  • able to demonstrate the ability to meet repayment deadlines; and
  • not putting yourself in a financial bind when you borrow from Fundo.

We understand that when you need a loan, you want to know if instant loan approval is possible, so we'll do our best to provide a quick outcome for you. To help us expedite your loan application, please make sure to provide us with the following details when you apply for a Fundo loan: 

  • Details of your regular income and any government benefit you receive;
  • Personal identification, such as an Australian driver's licence, proof of age card, or passport; and
  • Bank account information, including the name of your bank, account name, Bank-State-Branch (BSB) number, and account number. 

By providing these details, you'll be helping us to speed up the approval process and get you the outcome of your application as quickly as possible. 

Do I need a high credit score for instant loan approval?

It is not necessarily required to have a perfect credit score to get instant loan approval. Some lenders offer fast bad credit cash loans for borrowers with lower credit scores, while others may have stricter credit score requirements. Other lenders may consider other factors in addition to a credit score when assessing a fast approval cash loan application

Fundo welcomes applicants with less-than-perfect credit scores to apply for a loan. We understand that credit scores are just one factor in a person's financial situation and that everyone's circumstances are unique. That's why we use a holistic approach to loan decision-making, considering a range of factors aside from your credit score when evaluating your application. 

To give you even better chances at getting a fast loan approval – which is the closest option to getting an instant loan approval from a responsible lender – we provide you with access to your own Fundo Credit Score. You’re more likely to get approved for a loan the higher your Fundo Credit Score is, and if you're looking to improve your score, you can find tips and other financial wellness advice on your self-service dashboard. 

Some things you can do to improve your Fundo Credit Score include leaving reviews and reducing your loans with other lenders. You can also use your self-service dashboard for other conveniences, such as tracking your loan progress, scheduling your repayments, and viewing your loan information. 

Looking for a small loan? Get a loan today at Fundo!

Disclaimer: Please note that all opinions expressed in this article are strictly for informational and entertainment purposes and should not be construed as financial advice. All commentary is subject to change without notice at any time.