$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.

Everyone needs some cash on short notice, and the traditional route of a bank loan is often too slow to be of any immediate help. Because of this, many Aussies turn to instant loans online instead, but unfortunately, online searches for ‘online instant loans Australia’ or ‘instant cash loans guaranteed approval’ don’t always lead to loan options that suit your needs. That’s where Fundo comes in. 

We offer small loans with flexible repayment options to fit your needs. Our online application form is user-friendly and easy to complete in just a few minutes. No need to leave the house or spend hours searching for the right loan option – all you need is an internet connection and a device to apply for quick loans online at Fundo from anywhere you are in Australia. 

If you have additional questions about instant loans online or what else Fundo can do for you, you’ll find the answers below.

Do I need a guarantor for online loans?

Whether or not you need a guarantor for instant loans online depends on the lender and the specific loan product you are applying for. Some online lenders may require a guarantor as a form of collateral, while others may not require a guarantor for their loan products. It’s important to know the requirements and terms of the loan you are considering, as these can vary between lenders.

Wondering if you qualify for Fundo’s online fast loans? To qualify for a loan with us, you must: 

  • be at least 18 years old;
  • be a citizen or permanent resident of Australia;
  • be able to demonstrate your ability to repay the loan;
  • earn at least $300 per week, not including government benefits; and
  • ensure you’re not putting yourself at financial risk when taking out a Fundo loan.

If you qualify for a Fundo loan and plan to apply for our small loans today, please include your personal and financial details in your application form to help our team expedite the process. Be sure to include the following information in your application: your regular income, any government benefits you receive, personal identification (such as an Australian driver’s licence, proof of age card, or passport), and bank account details (including the name of your bank, Banks-State-Branch (BSB), account name, and account number). 

Why do some loan applications require references?

Instant loans online applications sometimes require references as a way for the lender to verify information about the borrower. A reference can be a personal or professional contact who can provide details about the borrower’s character, creditworthiness, or financial stability.

But it’s important to note that different lenders may have different lending criteria and processes for deciding on loan applications. To help you avoid delays or disappointments, it can be helpful to understand what factors your lender will consider when evaluating your loan application. 

At Fundo, we take a holistic approach to loan decision-making, which means we consider multiple factors when evaluating loan applications. This can give borrowers with a more complex financial situation a chance to get approved for a quick easy cash loan. We consider factors like income, credit history, and the ability to repay the loan on time to provide fair, responsible lending to our customers.

Do we offer loans with no credit check? We still check credit scores, but we understand that they aren’t the only factor in determining a borrower’s creditworthiness; it’s just a minor aspect of our decision-making process. This means that even if you have a less-than-stellar credit rating and have been searching for ‘no-credit-check instant loans online’, you may still be able to get a loan with us. 

Will loan companies contact my personal references?

If you’re considering instant loans online or other quick finance loan options, you might wonder if the lender will contact your references as part of the application process. While some lenders may only ask for your financial details to verify your employment and income, others may contact your references directly. 

It’s essential to understand what information your lender may ask for before applying for online instant loans in Australia – or any type of loan, for that matter – so you can be prepared and increase your chances of a successful application. 

Fundo makes sure that our borrowers have a clear understanding of the loan process and what to expect. That’s why, in addition to providing a list of the information that may be needed during the loan application process, we also give a clear breakdown of applicable loan fees. This way, our borrowers know exactly what they’re paying for and can have a smooth loan experience with us.

If you apply for a Fundo loan and get approved, you’ll have access to a self-service dashboard where you can easily manage your loan repayments. This includes tracking your loan progress, viewing loan information, and scheduling repayments. You’ll also find tips on improving your Fundo Credit Score, such as leaving reviews and limiting your loans with other lenders. A higher Fundo Credit Score can increase your chances of being approved for your next loan with us.

Now that you’ve found Fundo, you’ll no longer have to search for ‘instant loans online’ or ‘quick instant loans’ endlessly. Apply for a small loan at Fundo today!

It is important to note that the information provided in this article is intended for informational and entertainment purposes only and is not intended for financial advice. The views expressed in this article are subject to change without notice at any time.