$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.

How To Secure A Fundo Loan Vs A Loan Without A Credit Check

Looking for fast financing but don’t have a perfect credit score? There’s no need to scour the web for a loan without a credit check. Welcome to Fundo, where we believe in understanding, not judging and looking beyond your credit score when reviewing your application.

It’s the 21st century and you deserve a loan process as fast as your lifestyle. Skip the tedious waiting and red tape. With Fundo’s tailor-made, no-fuss approach, your tech-savvy life meets hassle-free lending.

The deal with getting a loan without a credit check

Facing headwinds from traditional lending? You’re not alone. Every day, countless Australians grapple with lengthy paperwork and stringent approval methods typically associated with traditional lenders.

When people need quick cash, especially when unforeseen expenses pop up, they start to look for ‘quick loans no credit check’ online in hopes of finding instant approval loans.

For people with not-so-great credit, the idea of no credit check personal loans seems great, thinking they can get the help they need without being limited by their credit history. But no credit check loans may not be the ideal choice, as they typically come with hidden fees and strict repayment methods.

Luckily, a loan without a credit check isn’t the only option you have. Consider Fundo loans instead.

Why Fundo stands out

We’re not just another lender; we’re an Australian owned and managed team, ready to assist you. You don’t have to resort to a loan without a credit check. We’ve got your back with quick and easy small-to-medium personal loans.

Understanding, not judging

Forget about asking how to get a loan without a credit check and consider us instead.

At Fundo, we know that a credit score isn’t the whole story. Whether you are on the hunt for low-interest loans for pensioners or anyone with not-so-great credit, we believe in understanding over strictness and we’re here to support you, not judge.

Here at Fundo, we’re committed to responsibility in offering our personal loans. As part of that, we may conduct a credit check before approving an application. However, we look beyond your credit score when assessing your loan eligibility and consider other factors, such as your current ability to repay your loan.

Repayment flexibility

Life’s never one-size-fits-all and neither are our loans. Fundo offers flexibility when it comes to repayment options.

We make it easy to share details about your situation with us, so we can take into consideration your individual circumstances and personally tailor your repayments to ensure they are manageable for you and won’t put you under undue pressure. After all, we’re in this together!

Plus, all of our products are unsecured loans, which means you don’t need to provide any security to access credit. This makes our loans accessible to a wide range of customers as well as fast and easy to obtain. In addition, customers can manage their repayments flexibly, reducing the burden of repayment.

No jargon, no stress

Ever been baffled by the jargon of traditional lenders or the fine print of no credit check lenders?

Here at Fundo, we leave the confusing legal complexities behind. We offer simple online loans with clear terms and an honest, straightforward process. No fuss, just fair lending, the way it should be.

Frequently Asked Questions (FAQ)

What types of loans are available without a credit check?

Some payday loans and pawnshop loans might not require a credit check, but they often come with certain risks, such as strict repayment methods and hidden charges. With Fundo’s personal loans, you enjoy a different experience.

We offer flexible repayment options, no hidden fees and quick approval processes without the hassle. We will conduct credit checks in some instances, but we don’t heavily hinge on it. It’s a seamless way to access the funds you need with better terms overall. Your well-being is our priority and we want to help you get closer to the funding you need.

How do lenders determine my eligibility for these loans?

Your income, job stability and debt-to-income ratio are all pieces of the puzzle. Some lenders zoom in on credit scores and histories, but at Fundo, we see the broader picture. We look beyond the typical credit score, focusing on your current repayment abilities. We take a holistic approach, ensuring we make decisions that are both fair and accurate.

Can I get a loan without a credit check if I have no credit history?

Starting out with no credit history is natural. It doesn’t mean you’re irresponsible; it just means you need a chance to build that history. At Fundo, we’ll focus on your eligibility and current capacity to meet your repayments when reviewing your application.

What’s more, at Fundo, we have our own unique Fundo Credit Score system. This is separate from your credit history with the credit reporting agencies. When you demonstrate good financial behaviour and engage with Fundo, you can earn points. Make successful and early or on-time repayments, leave reviews and refer others, thenyou can watch your Fundo Credit Score grow.

The more favourable your Fundo Credit Score is, the better your chances are of being approved for a future loan with Fundo!

When it comes to loans, Fundo it!

Navigating the financial jungle can be daunting, especially when you’re in a crunch and considering options like an emergency payday loan or fast payday loans. But what if there was a friendlier, more understanding alternative?

While loans related to terms like ‘payday advance borrow money’ or ‘small cash loan no credit check’ promise speed, at Fundo, we not only deliver on speed and efficiency but also ensure a hassle-free experience. We have you covered with our no-fuss application. You can complete your application completely online, anytime and anywhere.

Been turned down elsewhere because of your credit history? There’s no need to look up ‘instant loan no credit check’ and ‘no credit check emergency loans’ options online. Life happens, and we get that. So, when you need quick funding and are considering a quick payday advance, consider Fundo loans instead.

Apply now!

Disclaimer: Please note that we do not offer a loan without a credit check. 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.