$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.

If you are searching for instant short term loans in Australia, you may have any number of financial situations you need help with covering. These could include needing a cash quick loan in a tight time window to cover unexpected expenses such as medical bills or car repairs, being in an emergency situation where you need a quick financial solution, or wanting to take advantage of an opportunity that requires fast access to funds. 

If you are having difficulty obtaining a loan due to poor credit, lack of collateral, or not meeting certain eligibility criteria, Fundo could be the answer for you. We understand that people have unique personal and financial circumstances, and we are here to help anyone looking for instant short term loans. 

We offer fast, flexible loans that can be paid back over a period of up to 180 days. With our streamlined process, you can get easy access to the funds you need quickly.

Are short term business loans easier to get online?

The ease of getting instant short term loans online depends on various factors, such as the lender you choose, the type of loan you're looking for, and your creditworthiness. Generally speaking, short-term business loans are easier to get online than longer term ones due to the shorter repayment periods and lower amounts that lenders can offer. 

Those who are looking for instant short term loans will find that online lenders are often more flexible and willing to provide short-term loans than traditional lenders. As a result, it is often possible to get a loan online faster and with more favourable terms than you would receive from a bank or credit union. 

Overall, online loans like Fundo’s short-term loans can be easier to get compared to traditional lenders, as there are fewer qualifications and conditions that must be met in order to qualify. Our quick loans are available to those who meet the following requirements. When applying, you must:

  • be at least eighteen years old;
  • be a citizen or a tax-paying resident of Australia;
  • earn a regular income of a minimum of $300 a week, excluding government benefits;
  • demonstrate that you can meet repayment deadlines; and
  • not place undue financial pressure on yourself by borrowing from Fundo.

Do online rates for short term loans differ from banks?

Banks and online lenders may have different rates for the ‘instant short term loans’ or ‘personal loan instant’ you are looking for because they have different business models and operate in different ways.

Online lenders generally have a more streamlined process and do not have the same overhead costs as banks. This can make online loans a good option for people who need a small amount of money quickly and are willing to pay for the convenience. Banks, on the other hand, have a more traditional process and often require more documentation and a longer application process. 

For those looking for fast online money loans, Fundo offers short-term loans that can be reviewed quickly with no paperwork required. We have more flexible requirements and terms than traditional banks, making it easier to qualify for a loan even with less-than-perfect credit. We also offer faster turnaround times than other lenders, making it easier for Aussies to access the funds they need in a timely manner.

How do I find low interest rates for short term loans online?

Finding low interest rates for short term loans online can be done by researching different lenders and comparing their rates. That being said, searching for low interest rates for instant short term loans online can be a hassle due to the sheer number of lenders and loan products available. 

With so many options, it can be difficult to compare loan features, terms, and conditions in order to find the best deal. Additionally, some lenders may not advertise their lowest rates online. It is also important to consider the hidden fees associated with each loan product, as they can add up and have a significant impact on overall costs.

Whether it's monthly fees or repayment schedules, Fundo guarantees upfront transparency with every detail of our online loans. We offer flexible repayment terms and absolutely no hidden costs, allowing you to make a fully informed decision before taking out a loan with us.

In addition to this, we also have the Fundo Credit Score. Unlike your credit score from any of Australia's credit bureaus, your Fundo Credit Score is completely separate from your credit history outside of Fundo. This proprietary rewards system accounts for your repayment history with us, incentivising good financial behaviour and helping boost your chances of getting Fundo loans. 

Think of it like a game that you can take an active role in to earn points by making payments on time, leaving reviews, and referring a friend. You can keep track of your Fundo Credit Score and take steps to improve it through our interactive dashboard, where we also send advice about everything financial wellness-related, answering online queries about things like ‘payday loans bad credit AU’ or ‘the quickest personal loans’ so that you can make better decisions on your way towards financial health.

Forget about spending hours searching for instant short term loans and terms like ‘online loans instant approval Australia’. Apply for a quick and easy little loan today with Fundo!

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