$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 faced with unexpected expenses, many people turn to instant pay loans for a quick and convenient funding solution. However, not all instant loans are created equal and searching for options such as ‘easy cash advance’ or ‘instant cheapest cash loans’ may not always lead to the best lending option for your specific needs. But now that you’ve found Fundo, you don’t have to look any further for fast and easy loan options. 

Fundo offers small loans that can be used to cover sudden expenses such as a car repair, a holiday getaway, or a medical emergency. Our streamlined process makes it easy to apply for a loan; you can complete your application in just minutes without tedious paperwork. And when an outcome for your application is available, you will be notified right away. 

Now that you know about Fundo as a lending option, you may have questions about online loans in general. To help, we’ve answered some common questions related to instant pay loans below for your convenience. 

What are some examples of payday loans online?

Instant payday loans are a type of short-term loan that is typically due on the borrower’s next payday. Different payday lenders can offer different types, such as unsecured or secured payday loans. The latter requires collateral as a form of security, especially if a borrower has a lower credit score. And while unsecured payday loans don’t require this, they still come with exorbitant fees that may be difficult to pay off.

At Fundo, we understand that every borrower’s financial situation is unique. That’s why, as an approved borrower, you have the advantage of flexibility in repayment options. We offer various repayment schedules to help you avoid missing a payment and incurring late fees. 

You can choose from weekly, fortnightly, or monthly repayment schedules over a period of 180 days, which makes it easier to budget for the loan repayment. You may also pay off your loan in advance to save on monthly fees. 

Are there restrictions on how I can use an instant loan?

The terms and conditions of instant pay loans can vary depending on the lender, but generally, there are few restrictions on how you can use the funds. Some lenders may have restrictions on what you can use the funds for; for example, some may not allow you to use the funds for business expenses or investments. Others may ask for the purpose of the loan and will only approve it for that specific reason.

Fundo’s small loans can be used for a variety of expenses, such as unexpected bills, home repairs, and travel expenses. Approved borrowers can get the money in their account fast; those who apply during business hours can even get the funds within the same day if all goes well. 

How do you qualify for Fundo loans? We only have minimal eligibility requirements: 

  • You must be eighteen years of age or older.
  • You must be a citizen or permanent resident of Australia. 
  • You must have a minimum weekly income of $300, not including government benefits. 
  • You must have the ability to repay the loan on time. 
  • You must not put yourself in a difficult financial situation by taking out a loan from Fundo.

If you meet these criteria, you can easily apply for a Fundo loan on our platform.

Can I apply for instant pay loans everywhere in Australia?

If you’re looking for a way to apply for instant pay loans, you may have searched for terms like ‘emergency loan Australia’ and looked through different fast cash loans Australia has to offer. In the country, the availability of instant pay loans can vary depending on the lender and the state or territory in which you live. 

Some lenders may only operate in certain states or territories, while others may have a national presence. If you live in a remote area or can’t take time off your busy schedule to travel to your local bank, online loans may be a better option than traditional loans, as you can typically apply without having to leave home. 

At Fundo, you can apply for our small, short-term loans and get an outcome for your application from anywhere you are, as the process can be done entirely online. Simply navigate our platform, click ‘Apply Now’, and follow the next steps to complete your application. Our team will review your information and let you know the decision as soon as it’s made. 

Self-service Fundo dashboard 

Approved Fundo borrowers get access to a self-service dashboard where they can schedule their payments, view loan information, and track their loan progress. Additionally, they can access tips on improving their Fundo Credit Scores, such as leaving reviews for Fundo, referring us to friends, and reducing loans with other lenders. 

Returning Fundo borrowers get a better chance at approval the higher their Fundo Credit Score is, plus they can apply much faster within just three clicks. 

Don’t waste any more time searching for ‘instant pay loans’, ‘fast bad credit payday loans’, or similar terms now that you’ve discovered what Fundo can do for you. We offer fast and easy tiny loans – apply today! 

Disclaimer: Please note that the views and opinions expressed in this article are for informational and entertainment purposes only and should not be considered financial advice. They may be subject to change without notice.