$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.

Forget About Instant Payday Loans – Fundo It Instead!

Caught in a cash crunch? You may have relied on instant payday loans in the past but began to have some difficulties due to their hidden costs and strict repayment methods.

Enter Fundo, your financial ally. We’re more than just a loan provider; we’re your ally when life throws you a curveball. We’ve streamlined lending into a simple, quick, and transparent process devoid of complicated forms or legal jargon.

Instead of falling into another cycle with instant payday loans, experience the difference with Fundo, where we champion your financial well-being, understanding that you’re more than just a credit score.

Exploring the intricacies of payday loans

A closer look at payday loans

Instant payday loans are essentially short-term borrowings that come with high interest rates typically issued against the borrower’s income.

Easy payday loans typically become the go-to solution for individuals who need fast cash. Typing in terms like ‘fastest payday loan’ or ‘best payday loans’ may lead you to such lenders when you experience sudden financial demands. However, they may not be the ideal option for everyone.

The flipside of payday loans

While they could offer immediate relief, instant payday loans can sometimes lead to more financial stress due to their high rates and hidden fees.

Borrowers may find themselves unable to pay back the full amount by the due date, facing the tough decision of defaulting on the loan or paying additional fees to roll over the loan until their next payday. This could lead to a never-ending cycle of debt tied to one’s pay receipt, making online payday loans a double-edged sword.

Advantages of choosing Fundo personal loans

Simplifying loan applications

Our humble mission at Fundo is to cut down on the complexity of loan applications that might be associated with some small payday loans. We’ve eliminated paperwork and made our platform user-friendly, transforming your application process into a few easy-to-follow steps. Our digital platform is designed for your convenience and ensures speedy access.

Transparency and flexibility

At Fundo, we prioritise responsible lending and pledge to communicate all costs upfront.

We may not provide payday cash loans, but we offer small-to-medium personal loans. Our goal is to equip our customers with the necessary understanding of what they are signing up for when they avail themselves of our loans because we value your trust.

The perks of a hassle-free service

Fundo eliminates the usual stress and perplexity tied to online loan applications. With Fundo, you’re not just borrowing; you’re partnering with a lender who genuinely cares. We’re dedicated to helping you sail through unexpected financial situations with ease and confidence, all without jargon, complex legal terms, or complications.

A compassionate lending approach

While we don’t provide instant payday loans, we firmly believe in seeing beyond just a credit score. We know life has its peaks and valleys and financial missteps shouldn’t dictate your future. Your credit score is a minor player in our decision-making. Instead, we focus more on your present ability to repay loans.

Your step-by-step guide

Simple requirements

To apply for a Fundo loan, you must be at least eighteen, an Australian tax-paying resident or citizen and earning a minimum of $1,000 every fortnight, including government benefits.

Unlike some advance payday loans out there, we’re less stringent with our requirements. For the most part, we just need to see your ability to meet repayments, ensuring you aren’t under undue financial pressure after borrowing from us. Just fill out our online form and let us do the rest.

Swift approval process

We’re all about speed and efficiency. Apply for a loan online, and if you submit it within our business hours (9.00 a.m. to .:00 p.m. Monday to Friday and 9.00 a.m. to 5.00 p.m. on Saturdays Sydney time) and you are eligible for approval, you might see funds in your account on the same day! That’s why we’re the go-to for quick personal loans in Australia.

Your personal financial control centre

Meet our self-service dashboard, your new financial best friend. This handy feature is proof of our dedication to making your borrowing experience as pleasant as possible. View and update your account, earn points through referrals, check your exclusive Fundo Credit Score and even reschedule or make payments, all from the comfort of your smart device.

Frequently Asked Questions (FAQ)

Will the lender perform a credit check when processing my instant payday loan application?

We can’t speak for lenders who provide instant payday loans. Here at Fundo, we’re committed to responsibility in offering our cash loan Australia-wide. As part of that, we may conduct a credit check before approving an application.

While we may check your credit score, it is not the deciding factor in our decision-making process. Instead, we assess a mix of elements, with your present repayment capacity being the key.

Can I negotiate the terms of an instant payday loan to suit my needs better?

Whether or not you can negotiate your loan terms will vary from lender to lender. Some payday lenders may offer strict terms and repayment methods.

At Fundo, we understand and value your unique financial situation. As empathetic lenders, we don’t stick to a one-size-fits-all approach. We’re open to discussions about your individual needs and can customise a repayment plan that fits your circumstances without adding undue pressure. With Fundo, you’re never alone in your financial journey.

What information will I need to provide when applying for an instant payday loan?

The requirements you need when applying for a loan will depend on the individual lender.

At Fundo, it’s simple. Fill in our online form and provide some basic personal and income-related details and whether you’re employed or self-employed. Don’t forget to include your primary bank account info (your main transaction account into which your wages are paid). That’s where we’ll send the funds if your application is successful.

Fundo, your fast, simple, and reliable loan partner

Welcome to Fundo, where we make your financial needs our top priority. Our philosophy is simple – financial help should be quick and accessible. When you’re in a pinch and are thinking about quick payday loans, try our no-fuss application and speedy approval process instead.

Set yourself free from the usual payday advance loans with Fundo. Our process is designed to get you the cash you need without the wait. We keep it straightforward and transparent, free of hidden fees or charges and without the confusion of legal jargon.

Remember, at Fundo, we’re not just a lending company. We’re your partner in navigating through your financial challenges, making the journey a little bit easier and a lot less stressful. With us, you get more than a loan; you get understanding, empathy, and a commitment to your financial well-being. With Fundo, you’re always covered! Apply today.

Disclaimer: Please note that we do not offer instant payday loans. At Fundo, we provide personal loans and may be able to help you, like the thousands of Australians we have already helped.

Unless otherwise specified, the opinions expressed in this article are strictly for general informational purposes only and should not be taken as financial advice or recommendations. Any views are subject to change without notice at any time.