No Credit Check Loans
Same day funds up to $5,000
Same day funds up to $5,000
Finder
We approved 320+ loans in the last 24 hours!
We understand first hand that sudden expenses can come up which means you need to come up with some cash - fast . Be it medical bills, an urgent replacement of whitegoods, unexpected travel, or car repairs you simply cannot avoid, gaining access to a no credit check loan is vital to anyone who wants to stress less and get on with life.
However, you might not apply for a loan for two big reasons. One: traditional loan applications can take time that you simply don’t have. Two: you may have lower than average credit, which could see your application take even more time to be approved or rejected outright.
At Fundo, if you meet all our eligibility criteria, offer cash loans without a formal credit check. You can apply online, get a result in under three minutes, and have your funds credited to your bank account within 60 seconds! It’s simply that easy to get no credit check funding through Fundo.
Contrary to popular belief, not all financial products (this can range from your mobile phone postpaid plan or buy now, pay later products) require a formal credit check on behalf of your lender. Lenders use many different data points to ensure that you’re eligible for a small or medium sized loan, based on the information you provide them. Fundo’s advanced Know Your Customer application system will only conduct a credit check with your express written consent - we understand that unexpected credit checks are the last thing anyone wants, especially when they’re in dire need.
That’s why we ask for your basic information to assess your financial situation - we ask for your sources of income, employment status, residential circumstances, and bank account details. As responsible lenders, we’ll only approve a loan if we’re confident it will leave you better off financially.
No matter where you take out a loan, you have to make sure they have a current and active Australian Credit Licence, which means they are responsible and regulated lenders. Most banks and lenders will insist on a credit check for personal loans - and they may also want a security or collateral placed against the loan to lower their risk. This is part of their due diligence as accredited lenders. The aim is to leave you financially better off than when you first came in. However, a lender can still fulfil their obligation as responsible lenders by checking a customer’s eligibility using other means, such as looking at recent banking statements or asking various questions. Approval doesn’t always rest on the back of a credit check!
You can apply for a small loan without a credit check at Fundo - where we put the fun back into funding! Returning customers can apply for a no credit check loan in just three clicks! Simply login to your 24/7 self-service dashboard to apply now! If you’re a new customer or taking out a new product, we may need to check your credit history. Don’t panic! Fundo focuses on how you’re doing right now, not what happened in the past when it comes to your credit file. If you can demonstrate good financial conduct such as paying back bills and loans on time, we may waive the usual credit check as a new customer.
To qualify for a No Credit Check Loan, you must:
Disclaimer: Unless otherwise stated, the opinions expressed in this article are solely for general informational and entertainment purposes and should not be taken as financial advice or recommendation. Any commentary views are subject to change without notice at any time.
A credit check is a query from an accredited lender to a credit reporting bureau to view an applicant’s credit history or credit score. Any applicant must consent to the check and verify their identity with at least 100 points of Australian government ID. Having your credit checked to take out loans more often than not can also throw up “red flags” for lenders, as they may believe you are trying to take on too much debt.
You can check your own credit history every three months for free at a credit reporting bureau. See the Office of the Australian Information Commissioner for more information .
You can apply for fast loans ranging from $500 to $5,000 with flexible terms tailored to your situation. Our rates and fees will vary, so please check our homepage for the latest rates so you can make an informed decision.
You can use our secure servers to complete application in under five minutes! You’ll be able to get approval on the same day and have the funds in your account in under 60 seconds from contract acceptance. There’s no going past Fundo!
Yes! You can use our three minute online application form 24 hours a day, seven days a week.
We recommend you only use a no credit check payday loan to cover sudden and urgent expenses that you cannot cover yourself or by other means. This could mean emergency medical or dental bills, urgent whitegoods or home appliance replacement, IT or computer repair, car or vehicle repair costs, insurance excesses, urgent travel needs; anything you require to help with paying for costs you otherwise can’t avoid.
Safe
and Secure. 5 min
application²
Safe
and Secure. 5 min
application²
Kim S.
Ellie P.
Robert D.
Safe
and Secure. 5 min
application²
Safe
and Secure. 5 min
application²
Loan amount from $500 to $2,000
Minimum 5 weeks to maximum 6
months
20% establishment fee and a flat
4% monthly fee4
Loan amount from $2,001 to $5,000
Minimum 9 weeks to maximum 2 years
$400 establishment fee, interest at
47.80% p.a. (comparison rate 66.58% p.a.)5
4 Fees are based on loan principal advanced.
5 Comparison rate is based on an unsecured loan of $2,500 over a term of 2 years.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
6 The example assumes timely repayment as per the loan agreement, or additional fees and charges may apply.
Safe
and Secure. 5 min
application²Terms and conditions and fees and charges apply. Approval and loan amount are subject to our credit assessment criteria.
¹As soon as you sign your contract, we instantly send the funds to your nominated bank account. If your bank works with the New Payments Platform (NPP), most customers see funds in their account within 60 seconds. If your bank is not NPP enabled, or its a public holiday, the funds are usually received by the next business day
²Applying for a loan with Fundo usually takes about 5 minutes. However, this time can change based on a few things, such as your typing speed, the device you're using, and whether you have all the necessary information ready to go.
³As the approval process is influenced by various external factors, we can't guarantee that you'll receive a decision on the same day. However, most of our customers do receive a same-day response to their application with Fundo, if they submit their loan application and all the requested supporting information by 4pm Sydney time during a regular business day.
Fundo is an Australian direct lender that offers short-term, small loans without any legal jargon or red tape. Our online loans are designed to provide access to a broad range of qualified applicants, including those with less-than-perfect credit.
Finding small loans with flexible repayment terms is now a reality with Fundo - no need to keep searching for 'Debt Consolidation Loans Bad Credit', 'Personal Loan With Fast Approval', or '24 Hours Cash Loans'. Applying for Fundo loans in the future gets more engaging when you pay off your loans in advance penalty-free while also increasing your chances for approval.
Fundo believes that eligible applicants should be able to get closer to the loans they need. If you've been looking for small cash loans through search terms like 'Instant Approval Loans Need Cash Today', 'Payday Loans No Credit Check', or 'Savvy Loans', then you can stop looking now - let us show you how easy it is to apply for a loan with Fundo.
We typically respond within 2 min or sooner.
I'd like to borrow ($500 - $5000)
