$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.

Instant Loans No Credit Check? Check out the Fundo Alternative

Imagine a financial partner who speaks your language. Fundo is revolutionising the lending landscape. While we don’t offer ‘instant loans no credit check’, we do offer loans with a quick and easy application process.

Through our customer-centric approach, we empower you to confidently take control of your finances. Read on and discover how Fundo is making borrowing simple and accessible.

A Guide to Personal Loans

Grasping the Need for Personal Loans in Modern Economy

In an age where life’s pace is at its peak, personal loans can play the role of a financial saviour. For many Australians, quick access to additional funds can make all the difference especially if they’re strapped for cash before payday.

Whether it’s for a medical emergency, much-deserved holidays, or long-overdue home repairs, the terms ‘cash advance no credit check’ and ‘fast loans no credit check’ have become more than just financial jargon; they make people feel as though financial options are accessible.

Defining Instant Loans No Credit Check

The Concept of Instant Loans

Instant loans, often searched as ‘online loans no credit check’ or ‘fast online loans’, are short-term financial aids designed to offer immediate cash relief. The term ‘instant’ refers to the speed at which loan approval and disbursement occur, often within twenty-four hours. The accessibility of these loans caters to urgent financial needs, providing relief in times of need.

The Competitive Advantages of Fundo

The Speed Factor in Fundo’s Online Loans

At Fundo, we pride ourselves on our ability to provide alternatives to loans like easy payday loans and emergency payday loan. We value your time and understand the urgency of financial emergencies. As such, our swift online loan service is designed to provide immediate financial relief.

With our tech-savvy platform, we bring you alternatives to instant loans, no credit check loans faster than payday lenders, enabling you to handle life’s surprises with confidence.

If you submit your application during our business hours, which are Monday to Friday from 9.00 a.m. to 6.00 p.m. and Saturday from 9.00 a.m. to 5.00 p.m. Sydney time, we can promptly review your application. If everything goes well and your application is approved, chances are you can get the money the same day.

Simplifying the Loan Approval Process

We believe in keeping it simple. The loan approval process at Fundo is straightforward and user-friendly. There’s no need for piles of paperwork to apply for our loans. We only have a few simple requirements. To be eligible for our quick loans, you must:

  • be at least eighteen years old at the time of your application;
  • be a citizen or tax-paying resident of Australia;
  • earn at least $1,000 per fortnight, including government benefits
  • demonstrate an ability to meet repayment deadlines; and
  • not place undue financial pressure on yourself by borrowing from Fundo.

Transparent Fees and Flexible Repayments

At Fundo, we value honesty and transparency. We present a clear fee structure without any hidden charges or surprise fees. What’s more, our flexible repayment plans are tailored to fit your lifestyle and budget.

Fundo’s Policy on Credit Checks

Fundo’s Credit Score Policy

At Fundo, we understand the diverse financial situations of our clients. Our policy is designed to give everyone an equal chance at securing same day loans, regardless of their credit history.

We may conduct a credit check before approving an application, but we value your current financial capacity more than past hiccups. Our focus is to make sure you can comfortably repay your loan, not your credit score.

The Fundo Credit Score

We even have our very own credit scoring system, the Fundo Credit Score. This innovative system rewards timely loan repayments, valuable feedback, and referrals. With a high Fundo Credit Score, your odds of securing fast loans increase, reinforcing our commitment to fairness and accessibility. Plus, a higher score opens the door to exclusive discounts and benefits.

Frequently Asked Questions (FAQ)

How do instant loans with no credit checks work?

Offers like small payday loans and instant loans no credit check operate differently compared to traditional loans. Instead of evaluating an individual’s credit history, lenders focus on other financial aspects like income, employment status, and current financial obligations. The process usually involves a quick online application, with the lender assessing these factors for loan approval.

Do I need a co-signer to secure a loan?

Each lender has its own terms and conditions. At Fundo, you do not need a co-signer to secure a loan. Our aim is to make the lending process as simple and hassle-free as possible. We assess your application based on your current financial situation, without the need for a co-signer or a security for the loan.

Can I apply for a loan from Fundo if I am self-employed or have irregular income?

Yes, you can. At Fundo, we cater to a broad demographic, including those who are self-employed, part-timers, and seasonal workers. Our primary concern is your ability to comfortably repay the loan. We assess various financial aspects, such as your income, to ensure that we provide a loan you can afford.

If you have a complex employment situation, feel free to contact our friendly team to discuss your circumstances.

Providing Swift Solutions: The Fundo Way

As your quick online loan experts, we offer uncomplicated solutions. Instead of looking for payday lenders, turn to Fundo and discover our alternative to ‘urgent loans no credit check’.

We pride ourselves on our transparency, no hidden fees and swift cash availability, even for those with less than stellar credit scores. At Fundo, we believe in providing Australians with convenient and accessible alternatives to quick cash no credit check scenarios.

When you think, ‘I need money before payday’, think Fundo.

Disclaimer: Please note that we do not offer instant loans no credit check. At Fundo, we provide personal loans and may be able to help you, like the thousands of Australians we have already helped.

Unless otherwise specified, the opinions expressed in this article are strictly for general informational purposes only and should not be taken as financial advice or recommendations. Any views are subject to change without notice at any time.