$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.

Why Fundo Is The Better Alternative To ‘Loans No Check’ Options

Many lenders who offer options related to your search for ‘loans no checks’ don’t exactly do things above board, exposing you to unnecessary risks that could put you in a financial bind.

At Fundo, we believe in a different approach.

Your financial well-being is worth more than a quick fix. You deserve a convenient and reliable solution that won’t add to your stress. That’s why we offer super simple application processes for small to medium loans. Additionally, we prioritise transparency and trust, ensuring you fully understand your loan terms before proceeding.

The Hidden Risks of ‘No-Check Loans’

When you are dealing with no credit check lenders that claim to grant instant loans, it’s tempting to proceed without caution. However, such ‘loans no checks’ offerings may come from lenders who don’t adhere to ethical practices. Ambiguous terms and conditions can put you in a financial bind, exposing you to risk.

While ‘no credit check loans online instant approval’ or ‘small loans no credit checks’ promise quick solutions, they often conceal undisclosed fees. Such hidden costs can lead you into a cycle of debt that is difficult to escape. At Fundo, we make sure that all details about the loan, including fee amounts, are fully disclosed to you before you proceed.

The Purpose of Credit Assessments

How Credit Checks Can Protect You

Let’s face it, credit checks can sound intimidating, which is why people search for ‘loans no checks’. But hang on a minute; credit checks aren’t here to just make your life harder.

This step is essential to promoting responsible lending practices by alerting us to any potential risks or red flags. They help us, and yes, you, ensure that you do not enter into a loan that might compromise your financial stability in the long run.

Assessing Loan Eligibility Beyond Credit Scores

We get it. Life happens and your credit score might have a few dings, but that’s no reason to resort to promotions for ‘loans no checks’.

We understand that your credit history isn’t the only measure of financial responsibility. While Fundo may conduct credit checks, they are just one small part of our comprehensive assessment process. We take a holistic look at your present ability to make repayments instead.

It’s here that the Fundo Credit Score comes into play. This score is distinct from the credit scores you might be familiar with from major reporting agencies. Our scoring system rewards your positive behaviours, like making repayments on time, sharing your experience through reviews, or even referring friends to Fundo.

The better your Fundo Credit Score, the better your chances of getting future applications approved, plus some other cool perks!

The Fundo Advantage

Easy and Speedy Application

Starting your application is as simple as clicking ‘Apply Now’ and filling out the online form. It’s a breeze to complete. You can get through it in just a few minutes and you can do it anywhere, on any device, even on your phone. Just be prepared with:

  • your regular income details;
  • your government benefit details, if any;
  • your valid ID (e.g., Australian driver's licence, proof of age card, passport), and;
  • your bank account details (bank name, account name, BSB, and account number).

Putting Transparency First

Unlike some lenders advertising options like ‘loans no credit check’ or ‘loans for no credit history’, Fundo gives you full transparency. We disclose all charges upfront, so you can make an informed decision without worrying about hidden fees or charges. You can even calculate the total cost of your loan ahead of time.

Flexible Repayment Options

Life’s not one-size-fits-all and neither should your repayment options be. In contrast to some lenders who offer ‘loans no checks’, Fundo gives you the freedom to customise the length of your online loans to suit your financial situation. Most of our customers usually go for terms between five and twenty weeks. Just bear in mind that the shorter the loan, the higher each repayment will be.

Frequently Asked Questions (FAQ)

What types of loans are available without credit checks?

While there are loans offered without credit checks, such as payday loans and title loans, these financial products frequently come with steep rates and hidden fees. In the case of title loans, you even take on the added risk of asset repossession. Moreover, the repayment terms from payday lenders are often inflexible, creating additional financial strain on borrowers.

Can I apply for a no-check loan if I have bad credit?

If your credit score has you contemplating no-check loans, Fundo offers a simpler and clearer alternative. We understand the financial pressures you might be under and are committed to providing a loan solution that works for you. This way, you can secure the funds you need without being burned by unexpected fees or inflexible repayment terms.

How can I find a reputable lender for no-check loans?

Instead of looking up ‘loans no checks’ on your browser, you can research the lender’s reputation. Customer reviews and community forums can offer insights into the lender’s credibility. Moreover, you can also verify whether the lender is accredited by the Australian Securities and Investments Commission (ASIC) by confirming their Australian Credit Licence (ACL).

Alternatively, you can stick with us at Fundo. We prioritise your financial well-being and offer loan options that are both accessible and reliable.

Fundo: Your Go-To Financial Partner

It doesn’t matter if you are looking for ‘no credit check emergency loans’ or a ‘personal loan without credit check’, we’ve got a better alternative.

While there are other providers that may offer ‘instant payday loans’ or ‘fast cash no credit check loans’, you run the risk of getting stuck with hidden fees, rigid repayment terms and a lack of transparency that can lead borrowers into a cycle of debt.

Instead of looking up terms like ‘no credit check small loan’ online, choose a lender that genuinely cares about your financial well-being. Choose Fundo today!

Disclaimer: Please note that we do not offer ‘loans no checks’. 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 only and should not be taken as financial advice or recommendations. Any views are subject to change without notice at any time.