$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.

Fundo: The Ultimate Payday Advance No Credit Check Alternative

If you’ve ever searched for terms like ‘payday advance no credit check’ online, then you’d want more than just a safety net.

At Fundo, we go beyond that, as we also focus on enabling aspirations and dream purchases. By choosing our personal loans instead of instant payday loans, you could experience flexible repayments, spending versatility, responsible lending and much more.

Advanced, but at what cost?

The initial appeal of a short-term solution

Many Australians, especially those who live fast-paced lifestyles, turn to no credit check payday loans when faced with unexpected expenses. They find themselves searching for terms like ‘payday advance no credit check’ or even ‘online loans no credit check’ online, as they want an option that can get them cash quickly.

At first, these short term no credit check loans are attractive for their online application process, which seems to provide near-immediate access to funds. With a payday loan, the borrower can address their immediate financial needs without the usual hassle of rigorous procedures.

An uphill battle with payday advances

However, the road to payday advances isn't as smooth as borrowers might think. Applicants often confront challenges such as stringent repayment timelines – ones that require you to make repayment deposits right when you get your pay.

On top of this, even if you searched for ‘payday advance no credit check’ or ‘payday loan instant approval’ online and found the best option, this type of financing can be limited to certain purchases or small amounts. This means that you might only have room to spend on the essentials and not what you really desire.

Breathe easier with personal loans

Rather than going for payday loans without credit check procedures, why don’t you go for personal loans instead?

As an alternative, the application process for personal loans,while generally more thorough than that of loans with no credit checks, is still easily accessible and user-friendly for all sorts of borrowers. With this in mind, one of the best parts about personal loans is that they can cater to various purposes.

Whatever type of borrower you may be, a personal loan could be a suitable option if you want cash before payday hits, especially if you’re tired of searching for terms like ‘payday advance no credit check’ online.

We at Fundo understand this, which is why we’re here to give people all around Australia the opportunity to secure a small or medium personal loan instead of having to find a payday cash advance online. Our service even boasts a wide range of exclusive benefits you’d be hard-pressed to find anywhere else.

Getting personal loans with the Fundo advantage

More than just a swift service

At Fundo, we’re driven by a mission to provide easy and quick personal loans so you don’t have to spend heaps of your free time searching for terms like ‘payday advance no credit check’ online.

At the end of the day, we want to simplify the entire lending process and empower you to reach for what you want rather than searching for terms like ‘payday advance no credit check’ online. When you need a quick financing solution, consider our personal loans instead of quick payday loans.

A strong start and even stronger momentum

We pride ourselves on our no-fuss application process and in-depth yet prompt approval decision. Rather than opting for short term no credit check loans, you can get a chance to secure a personal loan from us instead – all without having to worry about a compromise on speed.

You’ll also be pleased to know that returning borrowers can apply with just three clicks. This makes it easier for you to reach out to us should you need a little nudge to make any dream purchases in the future.

Control at your fingertips

If you’re someone who has looked up terms like ‘payday advance no credit check’ online and navigated their way through the hectic search results, we know that you’d appreciate a resource that helps you manage your loan a little more easily.

Our self-service dashboard places the reins of your Fundo experience in your hands. From here, you can view and update your account and share the Fundo love with friends to earn points.

What’s more, compared to the strict methods associated with payday cash loans, making payments or rescheduling is just a click away with this dashboard. Choose our personal loans instead of no credit check cash loans, take control, and go through the process at a pace that suits you.

Frequently Asked Questions (FAQ)

How can I apply for a payday advance with no credit check and what documents do I need to provide?

To apply for a no credit check cash loan, you would need to find a lender online, but keep in mind that the essential documents for the application can differ among lenders. Typically, you would need a government-issued photo ID, proof of steady income and validation of your main transaction bank account.

Instead of searching for terms like ‘payday advance no credit check’ online, consider our personal loans at Fundo as an alternative. With us, you can count on full transparency when it comes to document requirements and contract details. Plus, throughout our process, you won’t have to worry about complex terms as we strive to keep everything simple for your convenience.

Are there any specific eligibility criteria I need to meet to qualify for a no credit check loan?

Similar to the documentation for a no credit check loan, the eligibility criteria also vary from one lender to the next. But rather than being overwhelmed by all the different requirements after searching for terms like ‘payday advance no credit check’ online, you can choose our personal loans at Fundo instead and simply check the following points to see if you’re eligible.

To apply, you must be:

  • of legal age during the application (at least eighteen years old);
  • a citizen of Australia or a resident taxpayer;
  • making a minimum of $1,000 every fortnight (including government benefits);
  • capable of meeting payment deadlines; and
  • in a situation where there will be no undue financial pressure after borrowing.

How quickly can I expect to receive the funds after applying for loans with no credit check?

When searching for terms like ‘payday advance no credit check’ online, you’ll find that despite the more lenient assessment, some lenders offer next-day funding, while others might need a bit more time.

If you go for personal loans from Fundo instead of quick cash payday loans, then you can expect to receive a response within hours, in most instances within the same day. Should everything go well and you get approved, you could receive your funds shortly after.

Discover fast financing with Fundo.

Here at Fundo, we’re at the forefront of revolutionising the financing scene in Australia. Understanding the various demands of modern life, we firmly believe that accessing cash and, subsequently, the products, goods, and services you really want shouldn't be a complicated or time-consuming process.

We exist to make borrowing easier, taking the strain out of the process when you opt for our personal loans. There’s no need to look for payday advance loans. Apply for Fundo loans today!

Disclaimer: Please note that we do not offer payday advance no credit check offers. 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.