$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.

Looking For a No Credit Check Small Loan? Fundo It Instead!

In life, urgent expenses may come up and when you need fast financing, you might think that you’re limited to a no credit check small loan.

But when life happens fast, Fundo moves faster! We’re here for the young, tech-savvy Australians who are navigating life’s unpredictable twists. Instead of looking for no credit check lenders to no avail, consider personal loans from Fundo, where we ensure your access to financing doesn’t hinge on your credit history alone.

Stick with us at Fundo as we redefine financial accessibility, tailor loan repayments to your situation and put you back in control.

Small loans and credit checks, explained

What small loans are

If you’re looking up ‘no credit check small loan’, you may be wondering what that actually means. Small loans are typically lower-value personal loans issued as a lump sum to be deposited into your bank account. They’re a go-to choice for Australians needing to finance short-term goals or urgent purchases, among other purposes.

Decoding credit checks

A credit check is like a financial health check-up. Lenders (like payday lenders), banks, or financial organisations examine a person’s credit history to determine their creditworthiness. It’s a way of assessing the risk associated with lending money.

Reasons some may prefer zero credit checks

Sometimes, life happens and your credit history takes a hit. In such cases, getting a loan from a traditional lender with your current credit score can seem like a challenge, so you may want to know if you can get a loan with no credit check. After all, a no credit check loan seems helpful when your credit score isn’t perfect and your financial need is time-sensitive.

But you aren’t limited to no credit check loans. When you’re searching for fast funding, consider personal loans from Fundo instead.

Disadvantages of no credit check small loans

Need urgent funds and are thinking of applying for no credit check loans? This scenario might leave you with loan terms that are less than favourable, including hidden fees and strict repayment methods.

Luckily, you don’t have to resort to searching for terms like ‘cash loans no credit check’ or ‘online loans no credit checks’ when you need quick cash. Consider Fundo’s small-to-medium personal loans instead.

How Fundo could help

Ever felt like you’ve hit a brick wall when scouring through results for ‘loan without credit check Australia’ or ‘loans no checks’?

At Fundo, we see you as more than just a credit score. While we may perform a credit check as part of our comprehensive review, it only plays a minor role in our decision-making process. We focus on understanding your unique circumstances to hopefully provide you with a solution.

Why consider Fundo

Speed and efficiency redefined

Are you racing against the clock looking through results for ‘no credit check small loan’? We get it. While we may perform credit checks on our personal loans, you’ll appreciate our quick turnaround times.

To get started, all you need to do is complete our online form. Submit your application within our business hours and if all goes well, you could see the funds in your account on the same day.

Your loan, your control

With our intuitive self-service dashboard, we’ve turbocharged the loan management process. In just a few taps on any smart device, you can review your account, earn points through referrals, track your exclusive Fundo Credit Score and even reschedule payments.

You don’t have to keep searching for terms like ‘no credit check small loan’. Consider Fundo loans for your financing needs instead.

Our unique edge

Flexible repayment terms

Looking for no credit check emergency loans or some quick cash with no credit check but feeling disappointed by the unrealistic payment terms of some lenders? You’re in luck. We prioritise your ability to comfortably repay over stringent conditions.

Just as no two people are the same, no two financial situations should be treated the same way. Our goal? To craft a flexible repayment plan for you after a relaxed and honest discussion about your personal circumstances. This way, we ensure manageable repayments that won’t put you under undue pressure.

Clarity in costs

With us, what you see is what you get and we reflect this in our personal loans with a no-hidden-fee policy. It’s not just about providing you with quick cash loans; it’s about educating you so that you understand exactly what you’re signing up for. Your trust is as important as the service we provide.

No jargon, just understanding

Tired of legal lingo? Our communication is as straightforward as our application process, making sure you’re well-informed without confusing terms. So, instead of getting bamboozled when applying for short-term loans with potentially sketchy lenders that don’t do credit checks, you’re stepping into a trusted relationship with us.

Frequently Asked Questions (FAQ)

How do I know if I’m eligible for a no credit check small loan before applying?

We can’t speak for lenders who could offer you a no credit check small loan. However, at Fundo, you could be eligible for a loan if you’re at least eighteen, an Australian resident or citizen who pays taxes, and earning a minimum of $1,000 every fortnight (including government benefits).

You must also be able to demonstrate your ability to meet your repayments and that borrowing from Fundo will not place you under financial stress.

How do I determine the appropriate loan amount I should request?

The answer depends on your financial needs and capabilities. Your aim should be to strike a balance between fulfilling your needs and ensuring the repayment doesn’t burden you over time.

At Fundo, as responsible lenders, part of our decision-making process is determining if your requested loan amount matches your current repayment ability. We don’t want to place you under undue financial pressure by borrowing from Fundo.

How do I find legitimate lenders offering no credit check small loans?

In Australia, unlicensed credit providers and brokers operate illegally. Check the provider’s website or enquire directly about their licences and permits. If you need to be absolutely sure, don’t hesitate to reach out to the Australian Securities and Investments Commission (ASIC).

Thankfully, with Fundo, you’re always in safe hands – we’re ASIC-licensed and adhere to all government regulations.

Meet Fundo: your quick new solution for small personal loans

When life throws you a curveball, we at Fundo are the team you want in your corner, offering loan options that can help you get back on your feet in no time.

We’ve simplified the application and approval process, making it no-fuss and quick for your convenience. Need an alternative to payday loans, which are often saddled with strict repayment schedules and hidden fees? We’re your go-to. Now, instead of quick payday loans online, you can consider counting on us right when you need help the most.

We recognise that not everyone has a picture-perfect credit score. That’s why, as a private lending institution, we look beyond just the numbers. We offer short-term loans and fast cash loans to approved applicants, even those with less-than-ideal credit scores.

So if you’re in Australia and are looking for other solutions aside from a ‘no credit check small loan’ or quick cash payday loans, don’t sweat it. At Fundo, we’re not just lenders; we’re your financial partners, here to help you navigate the unexpected turns life can throw at you.

Apply today!

Disclaimer: Please note that we do not offer no credit check small loan options. 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.