$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.

Are you in need of financial assistance and looking for online loans with instant approval in Australia? If so, you may have come across the search term ‘online loans instant approval Australia’ while searching for options. 

While it may be tempting to go with the first lender that promises quick approval, it’s important to carefully consider all of your options before making a decision.

At Fundo, we offer short-term loans to help meet your financial needs, and we believe that our loans are a great option for those seeking a convenient and fast source of funding. 

How do I qualify for debt consolidation loans?

Lenders have different qualifications and requirements for debt consolidation loans. Some tend to be more stringent than others, while others opt to make borrowing much easier and faster for individuals who need cash and are searching up ‘online loans instant approval Australia’.

Take Fundo, for example. Fundo has a streamlined application process with minimal requirements. To be eligible for a quick small loan with Fundo, all borrowers must:

  • be at least eighteen years old;
  • be an Australian citizen or permanent resident;
  • earn at least $300/week in regular income, excluding government benefits;
  • demonstrate an ability to meet repayment deadlines; and
  • not place yourself under undue financial strain by borrowing from Fundo.

Having all of these requirements may qualify you for $500 to $2,000 in easy instant cash loans with flexible repayment terms of up to 180 days, so you can forget about looking up results for ‘online loans instant approval Australia’.

To easily manage your account, Fundo provides you with a personalised self-service dashboard. You can view and update your account, schedule or reschedule payments, and keep track of your loan details, such as balance, duration, and payment dates. 

Are debt consolidation loans easy to apply for?

Debt consolidation loans are typically easy to apply for, though this can depend on the lender and their specific processes. Generally, the process for applying for a debt consolidation loan at Fundo is similar to that of any other type of immediate cash loan we offer. 

To apply for our service, simply visit our homepage and click on the ‘Apply Now’ button. From there, you will be guided through the application process, where you’ll be asked to submit your information and documentation.

If you meet the qualifications, we will send you a loan agreement and work to get the funds transferred to your account as soon as possible, often on the same day. With Fundo’s fast outcomes, there’s no need to keep searching for terms like ‘online loans instant approval Australia’.

We are available to process applications from Monday to Saturday, and our online form is available at all times, so you can apply for fast cash whenever and wherever it is convenient for you. Applying for a loan during business hours increases your chances of getting an outcome for your loan on the same day. It’s also possible to receive funds the same day you are approved.

However, keep in mind that each bank has its own processing time, so it is possible that your cash loans may not become available until the day after you get approved for your application.

Can loan consolidations affect my credit score?

Yes, loan consolidations can affect your credit score in Australia. The way that loan consolidations affect your credit score depends on how you manage your online easy loans and other debts. 

If you use loan consolidation to pay off multiple small debts in one payment, you may be able to manage repayments more easily. Paying your loans early or on time regularly may improve your credit score, as it will show credit agencies that you are responsible with money and can manage your finances properly. 

However, if you take out a loan consolidation and then miss payments or accumulate more debt on top of the consolidation loan, it could negatively affect your credit score. It is important to ensure that you make your loan consolidation payments in full and on time to maintain a good credit score.

Additionally, it is important to note that loan consolidation will appear on your credit report just like other fast small loans. Your credit score will be affected since loan applications for these require a hard credit check, but you can rebuild it by managing your repayments responsibly.

Now, unlike most lenders, Fundo takes a holistic approach when evaluating creditworthiness. In addition to traditional credit scores, we have created our own credit scoring system, which takes into account a variety of factors, such as on-time payment of loans and providing feedback and referrals. 

The higher your Fundo Credit Score, the more likely you are to be approved for a future Fundo loan. You may even receive special discounts and benefits. By rewarding customers for good behaviour, we aim to encourage responsible financial management and create a positive lending experience for everyone who’s stumbled upon us by searching terms like ‘online loans instant approval Australia’.

Access fast financial assistance with Fundo’s online loans.

At Fundo, we understand that sometimes life throws unexpected financial challenges your way, and you need a little extra help to get through them. That’s why we offer short-term and instant money loans to approved applicants, even if you don’t have the best credit score. 

As a private lending institution, we have the flexibility to provide financial assistance to those who may not meet the strict requirements of traditional banks, especially for those looking up terms like ‘online loans instant approval Australia’.

We are committed to making the loan process as simple and straightforward as possible. We are also proud to be an Australian-owned and -managed company, so you can trust that we have a genuine understanding of the financial needs of our fellow Australians who need cash fast.

At Fundo, we believe that a small cash loan should be accessible and hassle-free. That’s why we strive to take the fuss and complications out of the process. With us, you won’t have to wade through jargon or legal talk – just easy and quick loans online.

If you’re in need of financial assistance through instant short term loans, consider Fundo as a reliable and trustworthy lending partner with fast outcomes.

Apply for small loans today!

Disclaimer: Unless otherwise specified, the opinions expressed in this article are strictly for general informational and entertainment purposes only and should not be taken as financial advice or recommendations. Any commentary is subject to change without notice at any time.