$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.

Many people are cycling through the different money lending apps Australia has to offer as a way to cover unexpected short-term expenses. It could be due to a variety of reasons, such as a sudden medical bill, a car repair, or an emergency home repair since using a lending app is one of the options to access funds quickly. But they may come with strict requirements, confusing terms, or hidden fees. 

Meanwhile, here at Fundo, we make it easy for people to apply for small, short-term loans for a wide range of borrowers. If you have any questions about borrowing money, our friendly Sydney-based customer service team will be happy to help you out with anything you want to know about quick short term loans or easy cash loans. Don't hesitate to reach out to us.

Read on to learn more about lending apps and other alternatives that can help you improve your financial well-being.

What are the limitations of cash loan apps in Australia?

Money lending apps Australia-wide can offer a convenient way to borrow money quickly and easily. However, they do come with some limitations that are important to be aware of. 

Firstly, many of the money lending apps Australia has are typically only available to those with a good credit score and sufficient income or assets to secure the loan. This means that not everyone can access these types of loans, leaving them with fewer options when it comes to short-term borrowing. 

Moreover, one of the most significant limitations of loan apps is that the terms and conditions may not be clearly stated or easily understood. This can lead to unexpected fees and charges, making it difficult for borrowers to understand the total cost of their loan.

Fundo differs from many money lending apps Australia has in that we perform credit checks, but credit scores are only a minor factor in our review process. We consider your individual situation while making a decision on your application to determine your likelihood of successfully making repayments. 

Moreover, our fees are all transparent and upfront, so you can calculate them yourself and decide what’s right for you before applying.

Can loan apps in Australia offer the same loans as banks?

It depends on the type of loan you are looking for. Loan apps in Australia can offer certain types of loans that are similar to those offered by banks. However, many money lending apps Australia-wide may offer loans with smaller minimum principal amounts than those available through traditional financial institutions.

If you are looking for a small, short-term loan to get you through a financial pinch, you can take advantage of Fundo's convenient online services. Unlike banks and other traditional lenders, we offer a streamlined online loan application process that doesn’t require long waiting times or filling out any tedious paperwork.

Those who meet the following requirements can apply for our quick and easy loans Australia-wide:

  • at the time of your application, you must be at least 18 years old;
  • you must be an Australian citizen or a tax-paying resident;
  • you must earn a minimum of $300 a week in regular income, excluding government benefits;
  • you must show that you are able to meet your repayment deadlines; and
  • you must ensure you won’t place yourself under undue financial pressure by borrowing money from Fundo.

What should I look for in the best instant money apps?

When looking for the best instant money lending apps Australia has to offer, there are a few important features to consider. 

Firstly, you will want to make sure the application process is simple and straightforward so that you don’t have to waste time figuring out how to set up your account. Secondly, you should look for an app with fast turnaround times so that you can access your funds quickly. Thirdly, you should also look for an app that offers flexible repayment terms so that you can adjust your repayments according to your budget or financial commitments. 

You can enjoy all of these features and more at Fundo. You can complete your application in just a few minutes. All you have to do is hit the ‘Apply Now’ button and follow the steps by filling in your basic details, and you can be on your way to getting your request processed. You can even customise your loan duration for up to 180 days and choose a schedule according to your personal situation.

We have also established a unique feature called the Fundo Credit Score. This score is completely separate from your credit score with credit bureaus in the country. It encompasses your entire history with us. We use it to reward our borrowers for acts of good financial behaviour.

Sticking with Fundo as your lender for all your borrowing needs can help you increase your score faster. You can win points every time you repay early or on time, leave a review, or refer a friend. The higher your score, the more likely you are to have your future applications approved.

In addition, we have an interactive dashboard that you can access at any time. You can use it to monitor your Fundo Credit Score, make and modify payments, and receive regular advice from us at Fundo on a variety of topics connected to your financial health, such as weekend loans2000 dollar loan offers, and ‘payday loans instant cash’.

You’ll never have to search for ‘money lending apps Australia’ in your browser again to find reliable funding with our services at Fundo. Apply for a teeny tiny loan with us today!

Disclaimer: Please note that the opinions expressed in this article are for general informational and entertainment purposes only and should not be construed as financial advice or recommendations. The views expressed in this commentary may change without notice at any time.