$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.

Understanding No Credit Check Pay Loans: A Fundo Perspective

Ever felt an urgent cash need push you towards no credit check pay loans? We understand your credit score may not tell the whole story. While we don’t offer these loans, we’re here with an alternative solution.

Let’s explore the ins and outs of these loans and reveal why Fundo, with our flexible and easy solutions, could be your reliable financial ally instead.

How do no credit check payday loans differ from other loans?

The role of credit checks

What makes no credit check pay loans unique from other financial solutions is their promise of not checking your credit file. While we don’t offer them, we know that these loans can appear as a tempting escape route when you’re still building your credit score.

But, hey, let’s chat about responsible lending for a moment. It’s about ensuring you can comfortably handle your loans – and this is what seals the deal for us at Fundo.

Although we may have a peek at your credit score, there’s no need to worry. It plays a minor role in our decision-making process, and our focus is on your overall financial wellness. So, even if your credit score is not-so-perfect, your ability to handle repayments is what really matters.

Repayment terms

Here’s where the road to no credit check pay loans may get a bit bumpy.

When you look up terms like ‘payday loan no credit check’, you may find that, depending on the lender, repayment periods are typically as short as sixteen days. Sounds rushed, doesn’t it?

So rather than browsing the web for terms like ‘loan money no credit check’, you should consider Fundo instead. We make it easy for you to share details about your personal situation with us, and from there, we’ll craft a repayment plan that works for you. No need to worry about repaying your loan the moment your next pay credit lands in your account!

The question of security

Ordinarily, instant no-credit-check payday loans don’t ask for security. If that’s a relief to you, then why not apply for Fundo loans? While we don’t offer loans without credit checks, our award-winning personal loans don’t ask you to put up your valued assets, like that vintage car or family home, as security. This makes the application process a breezy walk in the park.

Applying for no credit check loans


No credit check pay loans seem simple, don’t they? However, each lender has its own unique criteria, which can leave you scratching your head. Even if they promise a quick approval process, they may ask for additional requirements to make up for their no credit check policy.

But hold on – a simple application process is where Fundo shines. To qualify for our 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 yourself.

Sounds doable, right? Instead of juggling through the confusing criteria of lenders offering options related to ‘instant approval loan no credit check’ or ‘payday loan instant approval’, enjoy the simplicity of Fundo loans instead.

How does a no credit check loan application process work?

It can be different from one lender to another. Some may insist on face-to-face interactions, while others might opt for online platforms. But check this out – at Fundo, we keep it streamlined.

While payday loans aren’t part of our offerings, we can assist you in securing a short-term personal loan swiftly, cutting out the waiting game. When you apply during our business hours, your application is reviewed promptly. If approved, the funds are deposited into your bank account as soon as possible, usually within the same day.

Just remember that our office hours are from 9.00 a.m. to 6.00 p.m., Monday to Friday, or 9.00 a.m. to 5.00 p.m. on Saturdays, Sydney time. Missed the office hours? No stress! Our platform welcomes you 24/7 and your application can be reviewed the next business day.

Don’t stress about the different application processes for ‘online loans no credit check’ or ‘low income no credit check loans’ – instead, apply for Fundo loans from anywhere, anytime.

What are the limitations of using a no credit check payday loan?

You may be limited when using your funds from no credit check pay loans. You see, these loans typically allow only small amounts, depending on the lender, restricting their potential use for larger financial needs.

Instead of resorting to no credit check lenders or no credit check finance, you should explore larger funding solutions with Fundo.

We don’t provide payday loans online and we don’t just cater to small financial needs. We’re proud to offer both small and medium loans to help with various life events. Whether you’re planning a wedding, eyeing a home improvement, or repairing your car, we’ve got you covered.

Frequently Asked Questions (FAQ)

What is the Fundo Credit Score?

The Fundo Credit Score, which is different from your bureau credit score, is designed to promote sound borrowing habits. The more you engage, such as by sharing your experiences, referring friends

and making timely payments, the better your Fundo Credit Score can be.

Plus, remember, an impressive Fundo Credit Score could increase your chances of approval for future Fundo loans.

Is it easier to manage Fundo loans than no credit check pay loans?

Absolutely! We stand out with our interactive self-service dashboard, which provides ample support for managing your Fundo loans. We also offer flexible repayment options and craft a plan that works for you to ensure they are manageable and won’t put you under undue financial pressure.

There is no need to get a loan with no credit check when you have Fundo guiding you towards better financial health.

Can I use Fundo loans to pay the payday loans I’ve taken in the past?

Life can be chaotic, especially with finances. Prior no credit check pay loans from various creditors might leave you feeling overwhelmed. But at Fundo, we empathise. It’s possible to use our loans to consolidate smaller debts, simplifying your financial landscape.

Discover Fundo: your online loan ally.

Dealing with life’s financial surprises can be tricky. At Fundo, we’re your trustworthy solution for quick online loans in Australia. We’re experts at simplifying loan procedures and eliminating the fuss of traditional lending.

Even with a less-than-perfect credit score, we offer short-term loans and quick financing solutions, all while ensuring transparent terms and flexible repayments. Unlike stringent banks, we speak your language – no jargon, no confusing legalities. Apply for a Fundo loan today!

Disclaimer: Please note that we do not offer no credit check pay loans. 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.