$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.

If you are in a financial crisis, finding a short-term personal loan that can cover unexpected expenses can be challenging, so you try searching online for solutions related to your queries like ‘payday loan no credit check instant approval’. 

You may think that you have no other choices left, especially if your credit score is less than ideal. Here’s where Fundo comes in handy. At Fundo, we provide fast outcomes for short-term personal loans that can cover your financial needs when unexpected expenses arise. 

Instead of settling for a ‘payday loan no credit check instant approval’, learn how a Fundo loan can do more than just cover your cash gap. 

What are the qualifications for a no credit check loan?

Some alternative lenders only require the bare minimum of qualifications to be eligible for a no-credit-check loan or similar ‘payday loan no credit check instant approval’ options. However, these types of lenders typically have other requirements, like collateral. 

At Fundo, we don’t offer any type of no-credit-check loan. As responsible lenders, we are obligated to do credit checks for all our loans. However, your credit score is not the only factor we consider in your loan application approval process. We understand that your financial situation can be complex, so we have reasonable qualifications for all Fundo loans. 

How do you qualify for a Fundo loan?

Online applications are quick and easy at Fundo, and you can do it all online. If you wish to qualify for a Fundo loan, you must: 

  • be at least eighteen years old;
  • be a permanent resident or citizen of Australia;
  • have a regular income of at least $300 a week (excluding government benefits); 
  • show that you are capable of paying on time; and
  • not put yourself under undue financial stress.

Based on the loan size you are applying for or to clarify the requirements you have submitted, we may contact you for more information or documentation. 

When you need a fast loan, instead of immediately searching for terms related to ‘payday loan no credit check instant approval’ or ‘fast bad credit cash loans’, feel free to contact us at Fundo.

How do I apply for a no credit check payday loan?

Applying for a ‘quick cash loan no credit check’ and other loans similar to ‘payday loan no credit check instant approval’ usually follows the same steps as most lenders. 

At Fundo, you can apply for a loan entirely online within a few minutes. The loan application process is straightforward and can be done from the convenience of your mobile phone or desktop. On our online application form, declare how much you wish to borrow, and then disclose your general information. 

If you’re a returning borrower, you can apply for a Fundo loan in as little as three clicks! The benefits of applying for a Fundo loan don’t stop there either.

What sets Fundo apart from others?

You don’t have to settle for a ‘payday loan no credit check instant approval’ or another loan option related to payday loans online. At Fundo, you’re likely to find a quick small loan that fits your needs quickly while working on your financial wellness. 

Your Fundo loan and repayments can be easily managed through our self-service dashboard. Additionally, you’ll find information on financial wellness and improvement – a big part of our vision for our borrowers. 

Moreover, we also have the Fundo Credit Score. It’s an independent credit scoring system that’s based on the financial decisions you make with an outstanding Fundo loan. Your Fundo Credit Score will increase if you make your repayments on time, make referrals, or leave a review about Fundo. Your score can also improve if you use Fundo as your primary loan provider. The higher your Fundo Credit Score, the better chance you have of getting approved for a future loan.

Do I need a good credit score to get instant approval loans?

While a good credit score can help you secure a cash advance loan or ‘payday loan no credit check instant approval’ quickly, in most cases your credit score has little impact on these types of loans as these types of loans focus on your other qualifications. However, they may come with higher interest rates to offset the risk of approving instant loans. 

At Fundo, we provide outcomes for applications related to ‘personal loans small’ relatively quickly, but we still check your credit score. It plays a small role in our decisions, as we focus on other factors such as your current ability to pay. If you submit an application during business hours and everything goes well, you may receive an outcome on the same day. 

Whenever you have questions about our loans, loan eligibility requirements, or even advice about which loans are suitable for your current situation, please do not hesitate to contact us. You can reach us by phone at (02) 9066 9660 or by email (

Apply for a Fundo loan today
Disclaimer: This article contains opinions and information meant for informational and entertainment purposes and that should not be construed as financial advice or recommendations unless otherwise indicated. We reserve the right to change any commentary without notice.