Fast, reliable, easy to use, reasonable. Helped me out with medical and vet bills. Been a life saver.
Same day funds up to $5,0001
Finder
AI Innovation
Award 2024
Has a big bill you can’t defer or put off come up? Are you struggling to come up with the money to pay for it? You aren’t alone. Thousands of Australians are feeling the pinch and when an unavoidable expense comes up, they have few places to turn to get the money in a timely and fair manner.
You may feel that you are unfairly excluded from borrowing a direct cash loan because of employment verification hurdles. Not at Fundo. Fundo doesn't discriminate when it comes to approving quick cash loans ranging from $500 to $10,000 when you need it most. Best of all, you could get the cash within the hour - or even in a few minutes if everything goes through!
Whether you’ve been hit with urgent medical bills, a tyre blowout or car mechanical failure, an appliance breaking down, your laptop acting up, or your kids or your own education bills calling, Fundo can help. You can apply for an instant cash loan between $500 to $10,000 with a transparent fee structure, regular repayments with no surprises, and all the fees and charges laid up front. You can apply, get approved, read the contract and decide that Fundo isn’t for you. There’s no obligation to proceed if you don’t want to.
We will ask you a bunch of questions about your current income and expense situation - but we don’t require you to submit payslips or employment verification. We approve loans to people on Centrelink or other government benefits - as long as you meet our basic lending criteria, you can apply for an itty bitty Fundo loan and get back on track!
As responsible lenders that take our duty of care for customers with the utmost respect, we impose four basic eligibility criteria before anyone can apply using our easy to use and super secure Fundo dashboard.
Number one: You must be living in Australia.
Number two: You must be over the age of 18.
Number three: You must be earning at least $1,000 per fortnight, Centrelink benefits OK.
Number four: You must be able to verify your income, if we ask.
That’s it! If that sounds like you, you can head over to the Fundo dashboard and make your application. On average, customers are done within three minutes or fewer. If you’re approved and you agree to the terms of the loan agreement, you could have the funds deposited into your PayID enabled account and get your loan within minutes - even under 60 seconds!
If you’re worried about your employment situation - or even if you have bad credit - Fundo can help. Use our Fundo dashboard to get started and you’ll be on your way to getting a flexible and fair loan between $500 and $10,000! Don’t wait - Fundo it and get back on track!
In many cases, we can provide lorem ipsum loans for people with bad credit. We'll only take a look at your credit if you say it's okay. We have our own friendly methods to help you see if you qualify for a same day loan. This process may take a bit more time, and you might notice a small delay in receiving your cash, particularly if it's outside of business hours. We put in our best effort to get you the cash you need as quickly as possible because we understand how pressing certain expenses and bills can feel!
Once we have the information you need, or we can give you what you’re looking for to move ahead, we’ll make sure to process everything in the fastest time possible.
Most of our systems are automated and can make a determination on the spot. If your situation is a little more complicated, we’re here for you from Monday to Friday during our office hours, which are 9:00 a.m. to 6:00 p.m. On Saturday, we’re available from 9:00 a.m. to 5:00 p.m., and on Sunday, you can reach us from 9:00 a.m. to 1:00 p.m. If you prefer, feel free to give us a call or chat with us live during these hours. We're here to help!
To begin, we simply need your name, address, phone number, and email address. We really appreciate you sharing that with us! We’ll also ask you a few questions about your income and expenses right now. Don't worry about getting it exactly right; a rough estimate will do just fine! We may ask you about your job history or the source of your income to ensure you qualify for an instant cash loan. Once everything gets the green light, we’ll just need your bank account details.
Remember, honesty is super important! We're here for you, and to provide the best support, we just need to understand the real details of your financial situation. You can help yourself by helping us! It goes a long way.




Fast, reliable, easy to use, reasonable. Helped me out with medical and vet bills. Been a life saver.
Very easy to apply and money was transferred within the hour.
Their website is very user friendly, application process is straightforward and re-apply is very quick.
Application took 5 minutes max. Being a repeat customer makes it super simple.
Easiest, cleanest, simplest app or platform I’ve found.
Fundo loans are amazing. The dashboard is easy to use and the staff at Fundo loans are always kind, friendly and helpful
¹Credit provided by Fundo Loans Pty Ltd ACN 604 639 143 Australian credit licence 491418 to approved applicants. Terms, conditions, fees, charges and eligibility criteria apply. Typical decision or funding time may vary depending on whether all required documents are provided before 4pm Sydney time on a business day. Same day decisions or funding are not guaranteed.
²Typical application time may vary depending on your device, information on hand and typing speed.
³Transfer times are not guaranteed, depend on if your bank is New Payments Platform (NPP) enabled and may vary on public holidays.
⁴Representative examples only, assumes timely repayment as per the loan agreement and no early repayment.
⁵Comparison rate is based on an unsecured loan of $2,500 over a term of 2 years with a fortnightly repayment frequency.
⁶Comparison rate is based on an unsecured loan of $10,000 over a term of 3 years with a monthly repayment frequency.
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.
Bank logos and trade marks are property of their respective owners and are used for identification purposes only.
The information provided on this website is general in nature and for information only. It is not intended to be relied upon as advice. Before making a decision about any of our products, you should seek your own independent advice and refer to the terms and conditions to ensure that the product is appropriate for your particular objectives, financial situation and needs.
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