$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.

Pay Before Payday Offers Or Fundo Loans: Which Is Better?

Your countdown to payday shouldn’t be a ticking time bomb. With the sudden sting of unexpected expenses, you need a solution that caters to your urgent needs, something pay before payday options cannot offer.

Welcome to Fundo. While we don’t offer pay before payday options, we do offer a transparent, simple and user-friendly approach to obtaining quick loans.

Ready to bridge the gap between your financial burdens and payday? Read along to learn more.

Pay before payday options vs. other loans

How do pay before payday services differ from other types of loans?

You may be looking at options for instant access to wages through pay before payday offers, thinking this is the quickest and most efficient way to gain extra cash when compared to other types of loans. But who provides them and are they worth it?

Many payday lenders out there, as well as some employers, offer cash before payday.

They each have their own unique processes: some may require you to install mobile apps and link them to your bank account so they can calculate your cash-out limit and others may require applications to be submitted days in advance. There’s a wide range of experiences that may cause confusion.

But what if there’s a way that gives you instant access to funds without all these hurdles? Instead of asking yourself questions like, ‘How can I get my pay early?’, it’s time to familiarise yourself with Fundo’s process.

We don’t provide before payday loans, but we do offer something that’s quick and easy.

We know your goal is much more than getting paid early and that you have personal challenges that need tailored solutions. That’s why we offer small and medium loans.

Our process? It’s so easy that you can forget about thinking, ‘I need to get paid before payday’.

Just fill out our short online application form. We’ll then do our best to review your application promptly. If approved, the funds could be transferred to your account within hours, usually the same day!

Setting the bar: pay advance vs. Fundo’s eligibility

Pay before payday offers often come with a list of requirements. Regular pay schedule? Check. An existing bank account with them where your employer drops your salary? Check.

The list can indeed be shorter compared to borrowing from traditional lenders, but it can still be too complicated when you just need funds quickly.

Fundo wants to make things easier for you. To qualify for our loans, you must:

  • be eighteen years old or older;
  • be an Australian citizen or tax-paying resident;
  • earn at least $1,000 per fortnight (government benefits included);
  • prove your ability to meet repayment deadlines; and
  • ensure that borrowing from us doesn't place undue financial pressure on yourself.

Scheduling repayments: payday services and Fundo

With pay before payday options, the norm is to have your repayment automatically deducted from your next salary.

But why have a cloud of repayment looming over your head when you can choose flexible repayment options with us at Fundo instead? We don’t offer payday loans with strict repayment terms; our loans give you the freedom to pick your repayment term!

We simplify sharing your situation with us so we can tailor manageable repayments for you.

Understanding your funds with payday services

Is there a limit to how much of my wages I can access before payday?

It depends on the wage loan; it may range from a negligible amount to as much as a quarter of your pay. This makes it tricky, especially when you’re looking up terms like ‘get my wages now’.

Instead of signing up for different platforms just to get paid early, try Fundo loans instead. While we don’t offer instant payday advance loans, our small and medium loans are designed to provide the financial boost you need without the constraints of a paycheck access limit.

Spending your funds your way

When it comes to using your payday advance, restrictions may apply due to their modest amounts.

That’s why, instead of pay before payday options, we offer alternatives. At Fundo, we believe in your financial freedom. Whether you’re planning a wedding, seeking debt consolidation, investing in education or dreaming of a home renovation, our loans are there for you.

The cost of convenience: fees

Fees can vary greatly depending on the instant pay advance provider.

Instead of offering payday services, we commit to being your transparent and responsible lender at Fundo. Our fees align with industry standards and all charges are disclosed when your loan is approved – no hidden fees, no unpleasant surprises.

Frequently Asked Questions (FAQ)

Do I need a good credit score to qualify for pay before payday services?

Policies can vary – some may offer easy cash loans no credit check, while others may conduct credit screening with their payday cash loans.

Instead of risking your financial security with money before payday services, trust someone who upholds responsibility. At Fundo, we prioritise responsible lending. Although we may conduct a credit check, it’s a small part of the decision-making process since we focus on your current ability to meet repayments.

What if I can’t make a repayment with Fundo due to an unforeseen circumstance?

We recognise that unexpected events may impact your loan repayment ability. By communicating with us and giving us a two-day notice of any changes to your repayment schedule, we can work together to find alternative payment solutions for you.

Can you apply for loans outside of office hours?

It will depend on the pay before payday provider, but you don’t have to take chances when you can turn to Fundo. While we don’t offer these funding options, you can apply for our award-winning loans online 24/7. Our platform is always available when you need access to quick funds!

Meet Fundo: your quick online loan specialist

At Fundo, we’re more than just a lending institution. We’re a company that understands the ups and downs of life.

Our mission is to make quick online loans a fuss-free experience. Whether you’re navigating unexpected expenses or planning a special occasion, we’re here to offer short-term and fast cash loans Australia-wide.

No confusing legal jargon, no hidden fees, just convenient service – even if your credit score has seen better days. Apply for a Fundo loan today!

Disclaimer: Please note that we do not offer pay before payday 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.