$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’re someone who’s been searching up terms like ‘loan instant approval’ or even ‘instant approval loans Australia’ on the web, then you may be looking for a reliable and fast lending service in the country that could help you cover unexpected expenses, especially if you’re pressed for time and exploring online options you can leverage at home. 

Know that there’s no need to limit yourself to quick approval loans that don’t have any review processes. Now that you’ve just found us at Fundo, you can cut your research short since you can opt to apply for one of our personal loans quickly. Rather than sifting through offers day after day, you can come to us and get a chance to receive both responsible and efficient financing. 

With us, you can take advantage of our easy-to-use digital platform and even access it wherever you are in the country. On your end, all you’ll need is a steady internet connection and the smart device you’re already holding. Try out our service and have our understanding team of professionals assess your unique financial situation. 

Apply at Fundo today and find out how our offers differ from an instant approval cash loan.

Can I apply for instant approval loans if I have bad credit? 

Since you were searching for ‘loan instant approval’ and other similar terms like ‘loan fast approval’ online, you may want to know whether you can borrow money today with not-so-perfect credit. As such, it’s important to note that applying for an instant approval loan may be challenging, but it’s not impossible. 

However, you should be careful with what you apply for; some lenders will let you get instant loan offers at the expense of paying unreasonably high fees. At times, when you borrow cash instantly, you could also be asked for security or collateral. This means that you’ll have to forfeit valuable assets should you miss repayments. 

The good news is that if you use Fundo’s 24/7 loans as an alternative to options related to ‘loan instant approval’, you can rest assured that you won’t accidentally take out an offer you can’t realistically handle. Here, our team of professionals will go above and beyond to review your request comprehensively. 

You can also rest assured that your credit score will only play a small role in our decision since we’ll also take into account a number of other factors. This would include your debt-to-income ratio, overall capability to make repayments, and much more, so you don’t have to depend on instant approval loans anymore. 

Are instant loans online more expensive for people with bad credit?

Most lenders, including those that boast fast loan approval, will commonly charge you more in fees if you have less-than-stellar credit. As mentioned, some lenders even ask for security, collateral, and even a guarantor in some cases – not to mention that all of these requirements and conditions could be written out in fine print. 

The reasoning is that bad credit scores are associated with a higher risk (default payments, late deposits, etc.) and need to be offset. By enforcing the mentioned safeguards, the lender won’t have to worry as much about repayments being completed. 

However, comparing varying terms from different lenders can be tiring and time-consuming. Rather than spending hours looking up ‘loan instant approval’ and other types of loans like an easy cash advance, you can choose one of Fundo’s personal loans for full transparency. 

On our platform, you can request loans of $500 to $2,000 and enjoy repayment durations of up to 180 days. What’s more, approved borrowers are able to gain access to an intuitive self-service dashboard, which can be utilised to update your account information, make or reschedule repayments, and even manage your finances. 

Where is the best place to get an instant loan for people with bad credit? 

Whether you’re searching for ‘payday loan instant approval’ or perhaps ‘cash advance loan instant approval’, one of the easiest places to secure a deal would be on the internet. While online lending provides you with quick turnovers and paperless applications, it’s crucial that you look beyond just these criteria and look into other advantages. 

For that reason, we at Fundo pride ourselves on having a personal loan service that stands out from those that merely offer a cash loan instant approval. On top of fast money transfers and a digital application form, we have our unique credit scoring system, the Fundo Credit Score. 

After you receive our decision within twenty-four hours, you can check whether or not you have received an approved status. If you’ve qualified, then you’ll be assigned a rating based on how well you exhibit positive borrowing behaviour, such as making on-time or advanced repayments, limiting your loans with other lenders, referring friends to Fundo, and much more. 

Ultimately, by improving your Fundo Credit Score, you’ll have a better chance at securing a loan with us in the future. You’ll also be delighted to know that returning borrowers can apply again in just three clicks. 

Need a teeny, tiny loan up to $2,000? Apply now!

Disclaimer: Kindly keep in mind that the opinions expressed in this article are for informational and entertainment purposes only. The suggestions on this web page can also be updated without explicit or prior notice and should not be taken as custom financial advice for your individual circumstances.