$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.

Are you looking to get an instant payday loan? Unexpected expenses like emergency repairs, medical costs, or travel costs can be a pain to deal with, especially when you don’t have sufficient funds on hand. Additionally, depending on your lender, the process of applying for a loan can be time-consuming and complex.

Fundo makes it easy for you to apply for small personal loans with a streamlined online loan application process. You can enjoy flexible repayment terms, zero hidden fees, and other exclusive features on our platform. You can finally end your search for an instant payday loan because our loans are designed to help you manage your unplanned short-term financial needs.

Can I apply for two paydays in advance?

While you may be able to apply for more than one payday in advance, this could make it harder to get approved, and it will ultimately depend on your individual situation and your lender. 

Moreover, we don’t recommend applying for more than one instant payday loan at a time. Taking out multiple loans at once can lead to an unmanageable debt cycle, and it can be difficult to pay off multiple loans at once.

As responsible lenders, we at Fundo are advocates of financial wellness. This is why we screen applications to ensure that borrowers do not put an undue financial strain on themselves by borrowing from us. We offer short-term loans ranging from $500 to $2,000 with the option to customise your repayment schedule and loan durations for up to 180 days.

Getting started is as simple as clicking on the ‘Apply Now’ button on our website and then following the steps to complete the online form you will see on the screen. It only takes you a couple of minutes to complete our online form, and you can do it from anywhere on any computer or mobile device.

We will ask you to provide:

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

Are there specific job requirements to qualify for an instant payday loan?

It depends on the specific lender offering the loan and the qualifications required for that particular payday loan. Generally, those who have full-time jobs are more likely to be approved for an instant payday loan because they have a steady income. However, there are other options available.

We at Fundo are committed to assessing your financial condition appropriately as part of our responsible lending standards, whether you are a full-time or part-time worker. Our decision about your approval status will take into account your financial obligations, spending patterns, and loan repayment capacity, not just your employment status.

Our quick short term loans at Fundo are available to those with a regular income of $300 or more per week from a full- or part-time job. Although you can have government benefits on top of this, they should not serve as your primary source of income. 

Furthermore, you must be at least eighteen years old when you submit your application and a citizen or tax-paying resident of Australia. It is important that you demonstrate your ability to meet repayment deadlines. Finally, as mentioned earlier, you should also refrain from placing undue financial strain on yourself by borrowing from Fundo.

If you meet the above criteria, you can apply for a quick personal loan online with us at Fundo.

Are there alternatives to getting a payday loan if I don’t get approved?

Yes, there are several alternatives to getting an instant payday loan in Australia if you don’t get approved. Depending on your financial situation and the amount of money you need to borrow, you may want to consider applying for a small personal loan. 

If you need cash quickly, you might want to consider a personal loan. You can use it for anything from sizable purchases to one-time costs, making it a potential lifesaver in an unexpected financial pinch. Getting a small personal loan from Fundo is quick and easy. Applications are reviewed Monday through Friday from 9.00 a.m. to 6.00 p.m. and Saturday from 9.00 a.m. to 5.00 p.m.

Our approved borrowers can benefit from our one-of-a-kind credit rating system, which we call the Fundo Credit Score.

This score is independent of any credit history you may have with any of Australia’s credit bureaus and accounts for all of your previous borrowing experience with Fundo. As your Fundo Credit Score improves, so does the likelihood that your subsequent Fundo loan applications will be accepted. 

You can reach a higher score by making early and on-time payments, referring friends, and leaving reviews. Choosing Fundo as your principal lender allows you to interact with your score more and easily boost your points.

You can use your self-service dashboard to check your Fundo Credit Score, make and reschedule repayments, and learn about financial wellness with pieces from Fundo’s team of experts on topics like ‘getting a cash loan Sydney’ or ‘instant loans Melbourne’.

There’s no need to stress yourself out by settling for an instant payday loan. Apply for an easy 2000 dollar loan right here at Fundo.

Disclaimer: The opinions expressed in this article are solely for informational and entertainment purposes and should not be considered financial advice. Commentary views may change at any time without notice.