$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.

It can be tricky to find instant loans online when you need money. A simple search like ‘online instant loans Australia’ can bring hundreds, if not thousands, of results that may or may not solve your problem. Finding a lender is complicated enough as it is; determining which one works for your situation is even more complicated.

Fundo is more than just another online lender in Australia. We provide approved applicants with short-term personal loans as well as tips and advice for financial wellness — all entirely online!

Instead of just simply searching for ‘online instant loans Australia’, learn what Fundo can do for you and how to spot legitimate online lenders. 

Where is the best place to get instant loans in Australia?

While we can’t say where the best place is to get instant loans and other options related to ‘online instant loans Australia’ and ‘instant short term loans’, we encourage you to determine what’s best for you based on your financial situation. You shouldn’t just select your preferred lender based on how much they can give you or how quickly they can approve your application. We encourage you to determine what’s appropriate for your situation. 

At Fundo, we want to make sure that the people who borrow money from us don’t put themselves at financial risk. To qualify for a Fundo loan, you must meet the following requirements: 

  • be at least 18 years old;
  • be a permanent resident or citizen of Australia;
  • earn at least $300 per week in regular income (excluding government benefits); 
  • show that you can pay on time; and
  • must ensure you’re not placing undue financial pressure on yourself.

At Fundo, we do not allow people whose income comes solely from benefits to qualify for a Fundo loan. You must have a regular income from a full-time or part-time job to be eligible. 

We understand that you may have complex financial situations, so we encourage you to contact us so we can help you determine what fits your financial situation. You may also opt to submit additional documentation if you have unconventional income streams. 

How do I check if an online lender is legitimate?

Before you select the first option that offers something like ‘low interest payday loans’ after your search for ‘online instant loans Australia,” you should ensure that the lender is legitimate. The law requires that all legitimate lenders hold ASIC credit licences. You can check if your preferred lender is licensed on ASIC’s website.

Also, all legitimate lenders will check potential borrowers’ credit when reviewing their loan applications. At Fundo, this is an essential step in our application process. Still, we also understand that if you’re searching for something like ‘online instant loans Australia’, you need money immediately.

So, if you apply for a loan during business hours, you will probably get it the same day if you are approved. In addition to our convenient online process, we can focus on benefiting you in other ways too! 

What does Fundo do differently?

Instead of looking for ‘quick cash loans no credit check’ or ‘online instant loans Australia’, a Fundo loan can help cover sudden budget gaps when unexpected expenses arise. With Fundo, you’ll likely find small, short-term loans that fit your needs.

Apart from ‘personal loans small’ and ‘easy personal loans online’, we offer borrowers a range of benefits that teach them good financial habits in a fun and engaging way.

We stand out from other lenders because our self-service dashboard makes it easy and quick to get a loan from Fundo. Through your dashboard, you’ll be able to manage your loan and repayments easily. Among other things, you will find information about financial wellness and improvement, an important part of our borrowers’ vision.

You’ll also get a Fundo Credit Score based on our unique credit scoring system. You can increase your Fundo Credit Score by making timely repayments, leaving a review, or recommending Fundo to family and friends. When you choose Fundo as your primary lender, you can also improve your score. Having a higher Fundo Credit Score increases your chances of getting a future Fundo loan.

Is it safe to give my personal information to lending apps?

In general, it is not advisable to give your personal information to any lenders that don’t have an Australian Credit Licence. Avoid sharing information if it isn’t necessary or if you feel uncomfortable doing so.

At Fundo, we may collect information about our borrowers to help review loan applications and comply with relevant lending laws. As part of our privacy policy, our borrowers are entitled to access and request the correction of information held about them.

While it can be difficult to find the right lender for your situation, at Fundo, we offer short-term personal loans up to $2,000 with flexible repayment terms of up to 180 days. Whether for a car repair or minor renovations for your home, our loans can be used in various situations.

If you’re still unsure about something, feel free to contact us, and let’s discuss your situation and find out what we can do to help. We are always available to answer your questions about our loans, and loan eligibility requirements, or even give advice on which loans are best for your current situation. We’re available by phone or email

Whenever you’re looking for ‘online instant loans Australia’ or ‘online easy loans’, consider applying for a Fundo loan today!
All information in this article is meant for general consumption and entertainment. It should not be construed as financial advice at any point. We reserve the right to change any commentary views at any time.