$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.

There are a variety of reasons why someone might be in need of a last minute loan. Life can throw unexpected financial surprises our way, such as an emergency medical expense, a car breakdown, or even an unexpected home repair. 

It’s important to be prepared for these types of situations, and getting access to a last minute loan can provide a quick injection of cash that can help you cover these types of costs without having to dip into your savings or rely on credit cards. 

Fundo offers fast loan processes and efficient turnaround times. We are an Australian lender that specialises in providing small short-term loans through a streamlined online process. Apply for a Fundo loan and enjoy the peace of mind of knowing that you’re closer to funding small unexpected costs, getting back on your feet, and moving forward from whatever financial pickle you’re in. 

Where can I get a $500 loan instantly?

Fundo accepts applications for loan amounts of $500 up to $2,000.

If you are in need of a last minute loan, you can submit an application through our online form. If we get your application within our normal business hours (Monday to Friday, 9.00 a.m. to 6.00 p.m., and on Saturday, 9.00 a.m. to 5.00 p.m.), we will process it as quickly as possible. If your application is approved, it is possible to receive the funds within the same business day.

On the other hand, if your application is received towards the close of the working day or after, there is a good chance that we will respond to you on the next business day. This will allow us the time to evaluate your application so that we can be confident that we haven’t missed any facts.

Do I need a guarantor if I apply for urgent loans?

Whether or not you need a guarantor when applying for a last minute loan will depend on the specific lender and their requirements. Some lenders may require a guarantor to co-sign the loan agreement, while others may not. 

If you have bad credit, less income or are unable to provide sufficient security for the loan, then a guarantor may be required. Additionally, some lenders may offer more favourable terms and conditions when a guarantor is provided.

When you are planning to take out a last minute loan in an emergency situation, you may not have time to look for a guarantor to co-sign your loan. There may be plenty of paperwork to deal with. Plus, since inquiries would have to be made into both your and your guarantor’s credit histories, the approval process could take longer than usual. 

If you need fast cash urgently and need to get a loan today, then a guaranteed cash loan may not be an option. Moreover, you may not want to burden your friends and family with this responsibility. 

This is why we recommend our services here at Fundo. We have simple and minimal requirements for eligibility, and we provide a fast and easy borrowing process to our clients. We also don’t require any guarantors, even if you have a less-than-perfect credit score.

To qualify for one of our quick loans online, you have to meet the following requirements: 

  • You must be at least eighteen years old at the time that you submit your application.
  • You must be a citizen or tax-paying resident of Australia.
  • You must earn at least $300 per week in regular income, excluding any benefits from the government.
  • You must demonstrate an ability to meet repayment deadlines.
  • You must not place undue financial pressure on yourself by borrowing from Fundo.

What loans have the lowest interest rates online?

The loans with the lowest interest rates online in Australia can vary depending on the lender, loan type, and borrower’s credit score. Generally speaking, personal loan rates tend to be lower than those of other forms of borrowing, such as payday loans and cash advances.

When comparing your last minute loan options, offers should be considered for more than just the interest rate. Other factors to consider may include fees and repayment terms.

When you apply for small personal loans with Fundo, you will generally be charged a flat establishment fee as well as a flat monthly fee. You won’t have to worry about paying more than what has been agreed upon as long as you make your payments on time. Plus, we offer flexible repayment terms of up to 180 days. You can choose the duration of your loan and reschedule your repayments.

You can even enjoy our fun alternative to the traditional credit score. Your personal creditworthiness with us is represented by your Fundo Credit Score, which factors in things like the referrals you make and reviews you leave. You can increase your score when you pay off your loan early or on time and not only increase your chances of getting approved for future applications but also avail of special discounts.

With our interactive dashboard, you can monitor your score, reschedule payments, and even receive top tips from our team on various topics related to borrowing and overall financial health, from ‘instant cash loans for pensioners’ to ‘the easiest place to get a loan’.

​​With Fundo’s services, you can finally end your hunt for a last minute loan. Apply for a loan today with us at Fundo!

Disclaimer: Unless otherwise stated, the opinions outlined in this article are strictly intended for general informational and entertainment purposes and are not intended to be taken as financial advice or recommendations. It is possible for any commentary views to be changed without notice at any time.