$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.

When you need money now, the last thing you want to do is wait. You don’t have time to fill out long forms or wait days for a response. Instead, you hop online and search terms like ‘instant pay advance Australia’ to get access to cash advance apps or ‘best instant money apps Australia’ to find a way to borrow money quickly.

With Fundo, you can get an online loan in Australia quickly and easily. Our no-fuss application and approval process means you can get the money you need in as little as one day. Get the cash you need when you need it with Fundo!

How does a payday loan work in Australia?

Payday loans are a type of short-term loan offered by an instant loan app. An online payday loan is designed to help borrowers access fast cash when needed, typically to help you get your pay in advance. These instant cash payday loans are generally for small amounts of money, usually up to $2,000. 

Fundo loans are pretty similar. Our loan amounts range from $500 to $2000 with repayment tenures of up to 180 days. We pride ourselves in providing accessible funds to a wide range of people, like those looking up ‘instant pay advance Australia’ as our goal is to help as many Australians as possible.

To be eligible for a loan with Fundo, all borrowers must:

  • be over 18 years old;
  • be an Australian citizen or permanent resident;
  • earn at least $300 per week in regular income, excluding government benefits;
  • demonstrate an ability to meet repayment deadlines; and
  • ensure they’re not placing themselves under undue financial strain by borrowing from Fundo.

If you meet all our criteria, feel free to apply for a loan with us as soon as possible so you don’t have to worry about typing up terms like ‘instant pay advance Australia’ or ‘early payday apps Australia’ anymore. Our online application form is available on our website 24/7, and we review loan applications from Mondays to Saturdays, so you never have to wait too long for a response.

You can apply by clicking ‘Apply Now’ on our homepage. Upon qualification, we’ll send you a loan agreement and have the funds deposited into your account as soon as possible. For those who apply and get their loans approved during business hours, funds are usually released on the same day.

Although it’s important to remember that different banks have different processing times, it may take longer for your funds to reach you.

Should I borrow online if I need an urgent cash advance?

It depends on your individual needs and circumstances. Borrowing money online can be a convenient and quick solution for those who need an urgent cash advance, but it is important to consider all of the potential risks and benefits before making a decision. 

If you decide to borrow online, it is important to make sure you are dealing with a legitimate lender who abides by all relevant laws and guidelines instead of just clicking the first result of ‘instant pay advance Australia’ and going with it. 

Research the lender thoroughly, and read all contracts and agreements carefully before signing. It is also important to understand the terms of the loans online, including the interest rate, repayment schedule, and any fees associated with the loan.

At Fundo, one thing you can be certain of is that we have no hidden fees or charges, so you’ll be glad you found us instead of continuing with your search for ‘instant pay advance Australia’. Generally, you’ll only be required to pay back your loan principal, a one-time establishment fee, and monthly fees. As per your loan agreement, late fees may also be charged for overdue payments.

To avoid or minimise the occurrence of late fees, we encourage all our borrowers to get in touch with our friendly customer consultants for assistance if ever an unexpected situation causes them to delay their loan repayments, so you can learn your available options. 

What are the advantages of instant loan apps?

Just like with a Fundo application, money loan apps offer a number of advantages to users, including convenience, fast processing times, and access to funds without traditional paperwork. Instant loan apps make it easy to apply for a loan from the comfort of your own home or office.

Since we’re talking about advantages, let’s talk about one of the biggest advantages of taking out a loan with Fundo: your credit score doesn’t matter.

As responsible lenders, we still ensure to run credit checks on all our borrowers, but these checks don’t play a huge role in our loan approval process. Our focus is on whether or not you can pay your Fundo loan back as needed, which is one of the main reasons people turn to us instead of online results for ‘instant pay advance Australia’ or ‘quick cash apps Australia’.

However, we do have a credit system in place that could help you get your loans approved – the Fundo Credit Score System. If you pay your online loan early or on time with Fundo Credit Score, you can earn rewards and improve your chances of being approved for future loans.

By sharing feedback and referring friends to Fundo, you can also boost your Fundo Credit Score. Higher scores may also be eligible for special discounts and benefits.

You can earn points and manage your account with our personalised self-service dashboard. This dashboard is key to helping you quickly find all your loan information as well as make and reschedule payments.

Enjoy the ease of taking out a loan with Fundo

Fundo is here to help you get the cash you need fast. We understand that sometimes life requires fast solutions, and we’re here to provide instant personal loans to those in Australia who need them.

Our online loan process is quick and easy, with no complicated forms or long wait times for approval. You can apply for same day loans from the comfort of your own home instead of spending so much time researching terms like ‘instant pay advance Australia’. 

Apply for a loan with Fundo today!

Disclaimer: The opinions expressed in this article are strictly for informational and entertainment purposes and do not constitute financial advice. We reserve the right to change any commentary at any time without notice.