$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.

Need Money Before Payday? Consider Fundo!

Have you ever found yourself in a tight spot, counting the days to your next pay credit? You’re not alone. Many Australians often find themselves in need of money before payday. Whether it’s an unexpected bill, a sudden expense, or just making ends meet, the financial strain can be real. Enter payday loans – a potential lifeline.

But, like all lifelines, it’s essential to know when to grab hold and when to be cautious. Today, we at Fundo are your partner in learning about payday loans, their benefits, potential pitfalls and the alternatives you may have at your disposal.

Navigating payday loans

What is a payday loan?

For those who don’t have early access to salary but need financial relief, payday loans are a possible solution. People may need money before payday for a variety of reasons: maybe you don’t want to be plagued by overdue fees from other bills, you have an unexpected expense that wasn’t in your budget, or you simply need some funds to tide you over until your next pay receipt.

Easy payday loans usually come in the form of short-term contracts and are issued against the borrower’s income. Looking up terms like ‘instant payday loans online’ or ‘best payday loans’ may lead you to such lenders when life throws you a financial curveball. The thing is, these cash advance loans may not be the best option for everyone.

The flip side to think about

It’s important to peek behind the curtain, regardless of your enthusiasm. Is loan approval easy? Sure. There could, however, be a drawback to that convenience. In some cases, payday loan lenders providing so-called instant cash loans come with unfavourable payment schemes, hidden fees, or both.

Imagine looking up ‘paycheck advance online’ or enlisting payday loan services in hopes of securing some much-needed money before payday, only to find that the repayment methods are too difficult to manage. Or you may even end up rolling over the loan with extra fees, playing catch-up with your own money.

So if you’re looking for quick cash options before payday, note that some lenders may provide opportunities that are just too good to be true; it’s best to exercise caution before signing any agreements.

Frequently Asked Questions (FAQ)

How do payday loans work?

Have a bill due date and need to borrow money fast? Payday loans are an option for those who want to get access to some money before payday. Lenders will usually ask for your pay dates so they can align your repayments with those dates.

Some lenders may even seek repayments for payday loans via salary deduction, whether that’s in one full payment or over a period of instalments, depending on the lender.

What are the requirements for a payday loan?

Most lenders who could provide you with money before payday will typically ask for proof of identification, proof of income and proof of employment.

However, some providers of short-term cash loans may add loan security to the list of requirements. While this translates to less risk for the lender, it can mean the borrower is put in a precarious financial position when applying for the loan, or it can prevent the borrower from applying altogether. When you’re in a tight spot financially, a hurdle like this is the last thing you want.

It’s at this point that we’d like to introduce ourselves – we’re Fundo, a compassionate and flexible lender that truly empathises with your financial situation and wants to provide solutions rather than add to your burdens. You may want to consider applying for our personal loans instead of constantly searching for other sources of money before payday.

Can I use a payday loan to pay off other debts?

Some providers of payday loans may require you to use the funds for specific purposes only, which can limit some borrowers from truly achieving their financial goals.

While we at Fundo don’t provide payday loans, we respect your privacy when spending the proceeds of your personal loans, if approved. We want to give you the freedom to use the funds from your small or medium personal loan for the purposes you deem worthwhile.

Consider Fundo instead

For thousands of Australians, we have become a reliable source of money before payday or whenever you’re in a pinch. Thanks to us, you can say goodbye to scouring the internet for ‘payday loans weekend’ and instead say hello to our fast and simple personal loans. We offer a wide range of loans to meet a variety of needs and you can apply online from home or anywhere.

Easy online application

We know why you’re here and that’s because you need money before payday, fast. That’s why we’ve kept our list of requirements simple and easy to understand. In order to be eligible for our personal loans, you must:

  • be eighteen years old or older;
  • be an Australian citizen or tax-paying resident;
  • earn at least $1,000 per fortnight (government benefits included);
  • prove your ability to meet repayment deadlines; and
  • ensure that borrowing from us doesn't place undue financial pressure on you.

You don’t need to fuss over requirements for some no credit check emergency loans or quick cash payday loans anymore. Instead, you may want to try applying for a Fundo loan if you happen to meet the above criteria.

Quick processing and approvals

If you’re able to complete your online application during business hours (9.00 a.m. to 6.00 p.m. Monday to Friday and 9.00 a.m. to 5.00 p.m. on Saturdays, Sydney time) and it’s also approved within business hours, the funds may land in your account the same day. No more searching for same-day payday loans online since you’ve found another alternative.

For a variety of credit histories

We at Fundo take responsibility when it comes to offering our cash loans Australia-wide. A credit check may be conducted as part of that process, but it is only a minor component of our decision-making.

Unlike some providers of fast payday loans, we are able to provide loans to eligible borrowers with different kinds of financial histories. That’s because we consider your present ability to repay a loan, not just your credit score.

Fundo: Your Quick Online Loan Experts in Australia

In the unpredictable journey of life, unexpected financial needs can arise at any moment. Whatever it may be, Fundo is here to help. We recognise the urgency of such situations and the importance of a swift response. At Fundo, our core belief is that obtaining a loan should be straightforward and hassle-free.

We’ve eliminated the tedious paperwork, the long approval waits and the uncertainty that often come with traditional lending. Instead, we offer a seamless online application process, ensuring you get the funds you need without any unnecessary delays. We do it all with transparent terms, no hidden fees and flexible repayment options.

No jargon, no confusing legal terms and absolutely no complications, just quick, easy online loans to help you navigate life’s challenges. When you think of swift financial solutions in Australia, think of Fundo.

Disclaimer: Please note that we do not offer money before payday. 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.