$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.

Sometimes we’d have to take out low interest instant loans as we’ve incurred unexpected expenses we can’t cover right away. There’s really nothing to be ashamed of; it’s common for people in Australia to experience sudden financial gaps. This is also why there are numerous financial institutions available and heaps of lenders popping up on the web. 

However, with all these choices at your disposal, you could easily feel lost and confused due to decision paralysis. Not to worry; you don’t have to find low interest payday loans or search up terms like ‘instant cash loans low interest’ and ‘instant personal loan low interest’ online anymore. You’ve just discovered Fundo, and our team is excited to introduce our alternative financing options! 

Here, we’re all about responsible lending and giving people a chance to secure fast cash so that you don’t have to wait days or even weeks. Aside from this, you can potentially enjoy a service with exclusive advantages you’d be hard-pressed to find anywhere else – not to mention the streamlined processes we have for those interested in our online cash loans. Consider us at Fundo and get started today!

What types of loans have the lowest interest rates? 

If you’re looking for options with the lowest interest rates, then you can look at different types of cash loans, specifically the ones with fixed rates or variable rates. 

Fixed-rate low interest instant loans

Prefer a low interest rate upfront? In that case, you can look into fixed-rate low interest instant loans. These kinds of fast small cash loans are known for monthly payments that are fixed at a certain amount and will stay that way no matter how much interest accrues over time. 

Variable-rate low interest instant loans

Would you rather get lower interest rates in select months? If so, then variable-rate low interest instant loans might be of interest to you. These types of cash loans can help you save money by lowering your monthly payments during periods when interest rates are low, but they could cost more if rates rise during the life of the loan.

Just keep in mind that different lenders that offer instant quick loans have varying terms and conditions. As such, one of the best parts about Fundo is that you’ll always get transparency, so you can fully account for everything ahead of time. 

Under current legislation, most lenders of small personal loans, such as Fundo, don’t charge an annual interest rate and only have flat fees, such as the establishment fee or monthly account fees. We don’t have hidden fees, so you’ll be able to see the outline of your loan terms with no surprises.

Can I negotiate lower interest rates for my loan online?

Depending on the lender, it may be possible to negotiate the terms of instant cash loans, including the interest rate. Some businesses may even be willing to talk about the specifics of loans on their website or over the phone. In other instances, you may need to physically consult with an agent or representative to make an agreement.

However, with our service at Fundo, you won’t have to go through this time-consuming process. When you apply for a loan, all you have to do is fill out our quick finance loan application form, input standard contact information, and see if you qualify for your request. At Fundo, you can borrow up to $2,000 with flexible repayment periods of up to 180 days. 

Rest assured knowing that responsible lending is at the core of everything we do. We’ll make sure to review much more than your credit score and take into account factors such as your current income and overall capability to make repayments. 

If you qualify for our cash loans, you can get an approval notice and use your funds to pay off your unexpected expenses.

Where can I find no interest loans (NILS) online? 

If you’re looking for low interest instant loans or perhaps no interest loans (NILS) online, a number of lenders may offer the arrangement you are looking for. However, no interest loan offers typically cannot be used for cash and may only be available to a certain demographic.

Before applying for a loan, check that you meet the eligibility requirements. At Fundo, to be eligible for a loan, you must be:

  • at least eighteen years old during application;
  • a tax-paying resident or citizen in Australia;
  • generating a minimum income of $300/week (excluding government benefits);
  • able to follow repayment agreements; and
  • capable of maintaining financial security after taking out a loan from Fundo.

Moreover, it’s important to consider the benefits a money lender can provide you with. 

For instance, we have a unique Fundo Credit Score model that gives you a chance to get a rating from us and improve it through making repayments early or on time and other forms of positive borrowing behaviour. Doing this will then give you a better chance to get approved for a future fast easy cash loan to cover emergency bills and costs. Your score can also improve by providing reviews and referrals

What’s more, if you choose our option over other offers for low interest instant loans and get approved, you’ll be able to use our self-service dashboard to manage your funds and accounts and track your Fundo Credit Score. Returning borrowers even get a chance to reapply more easily with three simple clicks.

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

Disclaimer: Please take note that, unless expressly stated, the content on this page should only be read for informational and entertainment purposes. Views are subject to change and should not be seen as financial advice for your unique circumstances.