$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 online loans because of urgent financial needs, it’s important to consider what other and potentially more beneficial options are available to you. It can be difficult to deal with unexpected expenses like car repairs, medical emergencies, appliance replacements, or home maintenance costs when you are strapped for cash. Here at Fundo, our goal is to help you deal with the challenges of applying for the loan you need when it counts. 

As an Australian lender, we understand that sometimes unexpected expenses come up and you need a way to pay for them without having to wait days or weeks for your application to be processed, which is what leads people to look up ‘instant online loans’ on their browsers in the first place. That is why we offer small, short-term personal loans with easy application processes, flexible repayment options, and no hidden fees.

How long do instant online loan applications take before I get a result?

You have probably encountered offers for instant online loans that don’t do credit checks, hence their instant approval process. While this can be very appealing to those with less-than-stellar credit, it’s important to recognise the importance of such processes and know that there are responsible lenders out there who will take your unique factors into consideration.

As responsible lenders, we take your credit score into account, but it’s only one factor among many others that we consider when reviewing your loan application, with your ability to meet repayment deadlines being one of our main focuses. 

And instead of instant online loans, take advantage of Fundo's streamlined online loan application process and quick turnaround times. We process our applications from 9 a.m. to 6 p.m. from Monday to Friday and from 9 a.m. to 5 p.m. on Saturday, but you can apply on our site whenever you need. All you have to do is click ‘Apply Now’ on our homepage and follow the steps by filling out some basic information about yourself.

We will ask you to provide:

  • details of your regular income;
  • details of your government benefits, if any;
  • a valid ID (e.g. Australian driver’s licence, proof of age card, passport); and
  • your bank account details (bank name, account name, BSB, and account number).

Are instant money loans deposited directly into my bank account?

While Fundo doesn’t provide instant loans or instant approval, our streamlined processes allow for much faster approval and transfer than what you’d get from traditional lenders. If your application is received and accepted during business hours, you will most likely receive your funds within the same day. Keep in mind that every bank has its own processing times, so you may find that your payment becomes available the day after your application is approved. There's no need to worry, though – we will work quickly to get you your money as soon as possible.

In order to qualify for one of our quick short term 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 $300/week in regular income, excluding government benefits;
  • demonstrate an ability to meet repayment deadlines; and
  • not place undue financial pressure on yourself by borrowing from Fundo.

Our system requires you to make a separate application for each new loan so that we can evaluate your updated financial situation, but with our convenience, you won't have to search online for ‘instant online loans’ or ‘I need cash fast’ again. Returning borrowers can even enjoy extra convenience and apply in just three clicks!

When do I need to start paying for my cash loan after receiving it?

Unlike other lenders that may pop up when you search for ‘instant online loans’, at Fundo, we give you the freedom to customise your loan duration and repayment schedule to suit your situation so that you can better manage your account. 

We offer exclusive features to our approved borrowers, such as the Fundo Credit Score, which is completely separate from your credit score with the credit bureaus. This score reflects your entire history with Fundo, and you're more likely to get approval for your next application with us if your score is higher. 

There are many easy ways to earn points, including making repayments early or on time, leaving reviews, and referring friends. You can even earn points if your friend gets their loan application accepted. You can easily boost your score by sticking with us as your sole lender, performing healthy borrowing behaviours, and encouraging others to do the same.

In addition, we offer a self-service interactive dashboard, where you can manage your account, view your loan details, keep track of your Fundo Credit Score, make your repayments, adjust your repayment schedule, and get regular financial wellness advice. Whether you are curious about ‘loans payday instant’, ‘cash advance apps Australia’, or ‘online quick cash loans’, you can read the pieces from our team at Fundo as you go through your journey to financial health.

You don’t have to keep sifting through the results for ‘instant online loans’ anymore. Apply for a quick personal loan online with us at Fundo!

Disclaimer: Please note that this article is intended only for general informational and entertainment purposes and should not be viewed as financial advice or recommendation. We reserve the right to change commentary views at any time without notice.