$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.

No Credit Check Secured Loans: Fundo’s Unique Alternative

In today’s hectic world, everyone’s on the run, often looking for quick solutions, which is why searches for no credit check secured loans are so popular. But instead of looking for secured credit solutions, turn to Fundo instead.

Our focus is on making finance accessible and understandable, removing the haze of complexity. We believe that every Australian deserves a transparent and hassle-free loan experience tailored to their individual needs. This is why we offer small and medium loans that are easy to apply for, manage and re-apply for. Read on to find out more.

Simplifying Personal Loans

Examining No Credit Check Secured Loans

Property-backed loans or no credit secured financing solutions provide a way for those with no credit history or less-than-stellar credit scores to borrow money. Having security attached to the loan for no credit, such as a car or a house, acts as a safety net for the lender in case the borrower is unable to repay the loan.

While these loans may seem like a convenient solution, you run the risk of losing a valuable asset if you can’t pay for the loan. Plus, they may come with hidden fees. As such, it’s crucial to analyse the loan’s terms and ensure you can manage its repayment before pushing through with the loan.

The Fundo Promise

Financial Talk: We Keep it Real

Financial terms can be confusing and we aim to make things clear so there’s no need for you to turn to no credit check secured loans. Instead of using complicated language or jargon as we go over your loan terms, we speak simply. Whether you’re new to finance or an expert, we want you to understand easily, as knowing your finances and what exactly you’re getting into means having power.

Frequently Asked Questions (FAQ)

What is a no credit check secured loan?

No credit check secured loans are a type of loan that does not require a review of the borrower’s credit history. Instead, lenders look at the security for the loan, among other factors. It’s popular among those with less-than-ideal credit scores, but it comes with the possibility of losing the asset to the lender.

At Fundo, while we don’t offer these types of loans, we do look beyond traditional credit scores, so everyone, from those with not-so-perfect credit scores to those with pristine credit histories, is welcome to apply.

While we may conduct credit checks as part of our commitment to being a responsible lender, it isn’t the defining factor in our decision-making process. We focus on your current ability to repay the loan, not your financial history.

We also have our very own Fundo Credit Score, which rewards borrowers for timely payments on their loan, providing feedback and even referring friends to Fundo. A higher Fundo score means a better chance of approval for loans. Plus, it can also lead to special discounts and exclusive benefits.

How does the security for the loan affect my application?

When applying for a secured loan without a credit check or secured personal finance, lenders will ask for an asset as security. If you can’t pay, they have the right to seize and sell the asset. Because of this, it may be easier to be approved since there’s less risk on the lender’s part. However, the process typically takes longer since they have to verify the value of the security.

Unsecured loans, like the ones we offer at Fundo, have simple requirements and are easy to apply for. To be eligible for our personal loans, you must:

  • be at least eighteen years old at the time of your application;
  • be a citizen or tax-paying resident of Australia;
  • earn at least $1,000 per fortnight, including government benefits
  • demonstrate an ability to meet repayment deadlines; and
  • ensure you will not place undue financial pressure on yourself by borrowing from Fundo.

Once you’re certain you meet our eligibility criteria, feel free to click on the ‘Apply Now’ button on our website.

Follow the prompts and you’ll quickly receive a decision. In fact, if you submit your application and it gets approved during our business hours, which are Monday through Friday from 9.00 a.m. to 6.00 p.m. and Saturday from 9.00 a.m. to 5.00 p.m. Sydney time, there’s a good chance you can get the money on the same day.

Do online lenders offer no credit check secured loans?

Yes, some online lenders offer no credit check secured loans. These secured instalment loans are popular among those with not-so-ideal credit scores, as approval isn’t strictly based on credit history.

At Fundo, we offer small and medium loan alternatives to these no credit check secured loans. Unlike secured loans, which typically have a required value for the security, applying for personal loans is simple and straightforward.

During the application process, we will ask you to provide details of your regular income, proof of identification, like your driver’s licence or passport, bank account details (bank name, account name, BSB, and account number) and if you have any, details about your government benefits. It only takes a few minutes to complete the application.

The Fundo Commitment: Quick, Transparent and Hassle-Free

Navigating the traditional loan maze often leads to complexity and long waits. Fundo shines as an alternative for those seeking to bypass the emergency payday loan, cash before payday or no credit check personal loan routes.

Designed for Australians, our digital platform offers speed and simplicity, eliminating bureaucracy and tedious bank processes. Even with a less-than-perfect credit history, we’re here to support you by giving you an alternative to a quick cash with no credit check loan or secured loans without credit check. Our commitment to transparency means no hidden terms or charges.

With Fundo, managing financial curveballs becomes refreshingly straightforward. Leave behind your search for urgent payday loans and apply for a loan with us today!

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