$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.

Why Choose Fundo Over Payday Cash Loans? Find Out Now!

Payday cash loans are a popular answer for moments when you’re in need of quick cash because they’re fast and often require no security.

We’ve all been there: an unexpected medical situation occurs, a car suddenly breaks down, or a house needs a quick repair and you need a financial solution quickly. From direct lender loans and payday cash advances to same-day loans and online payday loans, the choices are numerous. But when it comes to online payday cash loans, not all are created equal.

The unpredictability of such loan options can quickly become overwhelming, especially if you’re applying to traditional lenders. When fast approval payday cash loans can’t meet your needs, what options do you have?

This is where Fundo comes in. As an alternative to pay advance loans in Australia, we offer loans to borrowers with diverse credit scores and income sources, so you’re bound to find a loan that’s suited to your preferences.

With our fully online application process, same-day decisions and same-day loan releases for approved applications, Fundo is emerging as a premier solution for Australians searching for personal loans online. Not only that, but Fundo is proudly Australian-owned and we consider applications from borrowers of all backgrounds, including those with less-than-ideal credit scores.

If you’re looking for a lender you can trust, then Fundo’s the answer you’re looking for.

Frequently Asked Questions (FAQ)

What are the eligibility criteria for a payday loan?

Eligibility criteria for payday cash loans in Australia can vary depending on the lender, but there are a few requirements that should be met in general, regardless of the type of loan.

For our trustworthy personal loan alternatives here at Fundo, our eligibility criteria for personal loans are the following:

  • You must be at least eighteen years old at the time of your application.
  • You must be a citizen or tax-paying resident of Australia.
  • You should be earning at least $1,000 per fortnight, including government benefits.
  • You can demonstrate your ability to meet repayment deadlines on time.
  • You won’t be placed under undue financial pressure by borrowing from Fundo.

How much money can I borrow with a payday cash loan?

The amount of money you can borrow with a payday cash loan varies based on the lender’s policies and your financial situation. In Australia, the government has lending legislation regarding various types of loans, including payday cash loans, to encourage responsible loan management among borrowers.

At Fundo, we offer small-to-medium unsecured personal loans to a wide range of borrowers. While we do not offer payday cash loans or quick payday advance loans, our loans are just as convenient and can be suited to a variety of needs. More than that, we also offer flexible repayment periods that could help you manage your repayments more comfortably.

Are there restrictions on using the funds from a payday loan?

Payday cash loans and urgent payday loans may seem convenient at first, but they could limit or affect your finances in other ways. Here are some factors you may encounter when you apply for a payday loan:

  • Hidden fees or charges. Depending on your chosen lender, payday loans may have undisclosed interest fees or associated charges that could catch you by surprise. By contrast, Fundo’s personal loans are in line with lending legislation standards with zero hidden fees.
  • Reasons for borrowing. Some payday lenders in Australia may be strict with how you spend your borrowed money, such as spending the full amount of your payday cash loans on specific expenses only. At Fundo, we won’t restrict how you spend your loaned funds, as we focus more on your ability to repay your loans.
  • Credit score requirements. Many emergency loans and Australian payday loans have strict credit score requirements that could discourage many borrowers from even applying. By comparison, Fundo is open to considering applications from borrowers with a wide range of credit scores as well as unique employment circumstances.

If the options you find for a payday advance online aren’t meeting your needs, consider Fundo’s personal loans instead. If you have any questions about our loans, contact our customer support team from Mondays through Fridays (9.00 a.m. to 6.00 p.m.) and Saturdays (9.00 a.m. to 5.00 p.m.), Sydney time.

Unveiling Fundo: Your Trusted Quick Online Loan Expert

We’ve all been there – those moments when unexpected expenses suddenly loom, leaving us scrambling for solutions such as payday cash loans. But know that you have more options open to you, such as our personal loans here at Fundo.

As an Australian-owned business, we offer a refreshing approach to providing short-term loans to individuals with diverse credit histories. That means no confusing jargon, no intricate legal talk and as hassle-free an application process as we can make it.

We understand that applying for loans with traditional banks can be daunting. That’s why at Fundo, we’re ready to offer a helping hand when you need it most. Fundo offers personal loans that can compete with the best payday loans available in the lending market today.

Our edge is in our efficiency and sense of empathy for a wide range of borrowers. If you’re concerned about credit checks for loans like an instant payday advance or a no credit check personal loan, then consider our loans instead. We have options that are just as robust as a personal loan without credit check requirements.

Make Fundo your trusted financial companion for personal loans and experience straightforward, quick online loans tailored to your peace of mind. Apply for a personal loan with us today!

Disclaimer: We do not offer payday cash loans at Fundo. We provide personal loans and may be able to help you, like the thousands of Australians we have already helped.

The opinions expressed in this article are strictly for informational purposes only and should not be considered financial advice. Views may change at any time without notice.