$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.

Do you need help with an immediate expense due to gaps in your budget? While it might be simple to search online for ‘instant payday loan Australia’ in hopes of fast funding, the results may not be the right option for your situation.

When you think an instant payday loan will not fit your situation, consider Fundo. At Fundo, we offer small, short-term personal loans with flexible terms for paying them back and a quick way to apply online. Our loans allow approved borrowers to get closer to the money they need.

Instead of looking for an ‘instant payday loan Australia’, learn more about how Fundo can help you get money and improve your financial wellness. 

What should I be mindful of when applying for fast payday loans?

You should be mindful of the aspects of any loan you apply for, whether you’ve been searching for ‘instant payday loan Australia’ or ‘instant loan payday’. From the associated fees to the repayment terms, it’s essential to review the terms and conditions of any loan. Your financial situation can vary, so when you apply for a loan, you should base your decision on what you can handle. 

You should also be mindful of the lenders you choose when applying for a loan. You should ensure the lender is legitimate and registered with the proper regulatory bodies. Before you apply for a loan, you should ensure that the lender follows lending laws. 

To check if a lender is legitimate, you can look for information about the lender on their website, such as their credit licence number. You can also check if the lender is registered with the relevant regulatory bodies in Australia, such as the Australian Securities & Investments Commission (ASIC). 

In addition, you can usually find reviews about short-term loans, quick loan apps, or 24/7 instant loans online to help you learn more about your chosen lender.

Fundo is a lender licensed by ASIC. We value transparency and responsible lending, and you can find our licence information on our website. When you apply for a loan with us, we also provide you with an outline of the terms and associated fees so that you can be thoroughly informed about your loan details.

Does the application for instant payday loans vary per lender?

Yes, the application process for loans related to ‘instant payday loan Australia’ can vary from lender to lender. Some lenders might have stricter requirements or ask for more paperwork, while others might have a more straightforward process. 

If you’re looking for same day instant loanspayday money loans, or quick approval loans, consider our quick personal loan options at Fundo instead. We have a simple and easy application process that’s 100% online. The application form is available 24/7, and you can complete it from the comfort of your home.

We want to give qualified borrowers, even those with more complex financial circumstances, a fair chance to apply for the funding they need. As responsible lenders, we still check your credit score, but this is only a minor factor in our assessment; we focus more on your ability to repay your loan. 

To qualify for a Fundo loan, you must:

  • be at least eighteen years old;
  • be a permanent resident or citizen of Australia;
  • earn at least $300 per week, excluding government benefits;
  • prove that you can meet repayment deadlines; and
  • not place yourself under undue financial risk by borrowing from Fundo. 

When you need an ‘instant payday loan Australia’, consider applying for a quick personal loan online at Fundo instead. 

Can I get a quote for my payday loan before applying?

It depends on the lender. Some loan providers may offer a quote or estimate of the loan terms and fees before the application process, while others may not. 

Instead of searching for an instant payday loan Australia has to offer, you can explore the loan options available at Fundo. We present you with all the details of your loan in easy-to-understand terms before you fully accept the loan. 

If you have an ongoing loan with Fundo, you can use your self-service dashboard to manage your account details and loan information.

You can quickly check your loan details, from your repayment terms to your outstanding loan amount. You’ll even receive reminders on your dashboard before your repayment deadline so that you don’t forget. On the same dashboard, you can also get daily tips and advice on managing your finances and getting smarter about money in an exciting way.

You can even track your Fundo Credit Score on the self-service dashboard. Your Fundo Credit Score is based on our unique credit scoring system, and it allows you to improve your chances of getting approved for future Fundo loans by increasing your score. You can earn points by paying early or on time, leaving reviews, referring friends and family to Fundo, and using Fundo as your sole loan provider.

Contact us if you have questions about an alternative to an instant payday loan Australia has to offer. You can get in touch with us from Monday to Friday, 9.00 a.m. to 6.00 p.m., and Saturday, 9.00 a.m. to 5.00 p.m.

Apply for a teeny, tiny loan today at Fundo!
Disclaimer: All of the opinions in this article are for general information and entertainment only. Financial advice should not be taken from the article unless it is expressly stated otherwise. We reserve the right to change any opinion in this article based on new information and without notice.