$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.

Needing cash right away is a stressful situation to be in. Even if you search for ‘instant online payday loans no credit check’ on the internet, the results may seem appealing, but they may not be what you require for your financial situation. There could be better options that you don’t know about yet. 

At Fundo, we offer an online alternative to payday loans in the form of short-term personal loans. Instead of searching for ‘instant online payday loans no credit check’, learn about Fundo loans and how we can help you with your financial situation.

How many payday loans can I apply for?

The number of payday loans you can apply for depends on the policy of the lender and your ability to pay them all back. In most cases, lenders will advise borrowers against applying for more loans than they need to. 

As part of our duties at Fundo as a responsible lender, we only allow borrowers to take out one loan at a time, but customers can apply for a new loan once they complete the one they already have.

We understand that everyone has different financial situations and needs, so we consider multiple factors in your loan application. Aside from your ability to pay back the loan, we also look at the following things to see if you qualify for a Fundo loan: 

  • being at least 18 years old;
  • being a permanent resident or citizen of Australia;
  • earning at $300 per week, excluding government benefits or aid; and
  • ensuring that you aren’t putting yourself in a bind financially at the time of applying. 

We want to ensure that you get the financial help that fits your situation, needs, and ability to repay. 

Does Fundo do credit checks?

As responsible lenders, we are obligated to check the credit of all potential borrowers but also consider other factors when looking at your application. Not only do we look into your past financial situation, but your current one as well. 

It can be difficult to find the right lender for your situation, and it can be tempting to look for alternatives to ‘instant online payday loans no credit check’. But don’t just settle for those types of solutions; contact us today and let us know how we can help. 

Can I use payday loans for emergency needs?

Payday loans are typically used to cover emergency expenses when you need them within the same day or week. Most lenders have different loan options besides payday loans, like ‘instant weekend payday loans Australia’ that can cover emergency needs. 

While Fundo doesn’t offer options like ‘instant online payday loans no credit check’ or ‘quick cash loans no credit check’, we provide other competitive options that can help cover sudden budget gaps when emergencies arise.

What does Fundo do differently?

Apart from short-term personal loans and ‘easy personal loans online’, we offer borrowers a range of benefits that teach them good financial habits in a fun and engaging way.

We stand out from other lenders because our self-service dashboard makes it easy and quick to get a loan from Fundo. You’ll easily manage your loan and repayments through your dashboard. Here you’ll find information about financial wellness and improving finances, which are essential to our borrowers’ success.

You’ll also get a Fundo Credit Score based on our unique credit scoring system. If you make timely payments, leave reviews, or recommend Fundo to friends and family, you can increase your Fundo Credit Score. You can also improve your score by choosing Fundo as your primary lender. You are more likely to be approved for a Fundo loan if your Fundo Credit Score is higher.

Is it possible to extend or change my loan’s payment terms?

Whether you’re looking for ‘instant online payday loans no credit check’ or similar options, you may be wondering about loan terms. In general, lenders typically have grace periods, and some even allow deferments. Extending or changing your loan’s payment terms depends on the policy of your preferred lender. 

At Fundo, we offer short-term personal loans of up to $2,000 with flexible repayment terms of 180 days or less. But if an unforeseen circumstance affects your ability to repay your Fundo loan, we encourage you to reach out to us and let us help you figure things out. 

Moreover, when applying for a Fundo loan, be sure to find out everything you need to know about ‘personal loans small’ or easy personal loans online. We’re happy to answer any questions you might have about the loan’s terms and conditions. 

Instead of looking for alternatives like ‘instant online payday loans no credit check’ or a cash advance loan and settling for less-than-ideal loan terms and conditions, choose Fundo. Our short-term personal loans are designed to help different borrowers (not just those with excellent credit scores) get the money they need.

Instead of searching for loans related to ‘instant online payday loans no credit check’, try applying at Fundo. We can help you with an easy personal loan today!

Please keep in mind that the information in this article is only meant to be educational and fun. Unless otherwise stated, this article does not offer financial advice or recommendations. We reserve the right to change the information or views in this article without prior notice.