$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 have been searching for terms like ‘payday loans’ ‘bad credit’ ‘instant approval’ or ‘payday advance online’, you are likely looking for financing to help you cover an unexpected expense or an emergency. We know that it can be frustrating to find an online lender that will approve a loan when your credit score is low. Fortunately, we're here to help you end your search for ‘payday loans bad credit instant approval’. 

Fundo offers a fast and easy application process, so you can get your money as soon as possible. Whether it’s an unexpected car repair bill or something more serious like a medical emergency, in times of need, Fundo provides quick and reliable financing options to help people in a pinch. Our streamlined process makes us the ideal solution for bridging a financial gap on short notice.

How do I qualify for a  no check payday loan?

When it comes to payday loans, bad credit, instant approval, and eligibility, different lenders will have different qualification requirements. Generally, many will consider a variety of factors, including an applicant’s credit score, income level, debt-to-income ratio, employment history, and other financial information, when determining whether to extend credit.

In order to qualify for a quick loan at Fundo, you must:

  • be at least eighteen years old when you apply;
  • be an Australian citizen or tax-paying resident;
  • make a regular income of $300 per week, exclusive of government benefits;
  • show that you can meet repayment deadlines; and
  • not put undue financial pressure on yourself by borrowing from Fundo.

If there’s anything you still aren’t sure about, whether it’s payday loans, bad credit, instant approval, or credit checks, our lovely customer service team based in Sydney is available from Monday to Friday, 9 am to 6 pm, and Saturday, 9 am to 5 pm. They will be happy to answer any of your questions related to ‘online loans instant approval Australia’ ‘small advance loans’ or ‘loans like Sunshine Loans’.

What other factors do lenders look at aside from credit score?

Whether you are more concerned about payday loans, bad credit, instant approval, or other requirements, take note that credit score is not the only factor that lenders consider when making decisions about whether to approve a loan. In addition to credit score, they also look at other factors such as income, debt-to-income ratio, employment history, and liquid assets. 

Some lenders may also consider collateral and other factors, such as the type of loan and the amount of money requested. Additionally, some may also take into account an individual's character and reputation when making a lending decision. All these factors together help lenders determine whether the borrower is likely to repay the loan on time and in full.

We at Fundo understand that financial situations aren’t black-and-white and that credit scores don’t paint the whole picture. Australians should have access to a lender that considers a number of factors when determining whether an application should be approved, not just their credit score. That’s why we prioritise your ability to make your repayments in our decision making process.

 In order to qualify for a quick finance loan at Fundo, all you need is proof of your regular income, government benefits, identification (such as an Australian driver's licence, proof of age card, or passport), and bank account details.

Can online loan lenders also help with bad credit?

If you have less-than-perfect credit, you might think that your options for securing funds and reestablishing your credit are limited to a short term cash advance or fast cash loans. If you are looking for ‘payday loans bad credit instant approval online’, you're in luck: online lenders can help with bad credit.  Loan repayment history is a key factor used by credit bureaus to calculate an individual's credit score, so a borrower's credit rating rises after they obtain a loan and then repay it on time. 

If you don’t know where to start, you can't go wrong with an online loan lender like Fundo. Our small loans are designed to be flexible so that you can use them for whatever you need – for debt consolidation, to pay off your credit cards, any other outstanding debts, or for any emergency or unexpected expense that may come up.

We even have an exclusive feature called the Fundo Credit Score that accounts for your entire history with us. It is our way of rewarding our borrowers for good financial behaviour. The higher your score is, the more likely it is that your applications will be approved in the future. You can earn points by leaving a review, making a referral, making repayments, and closing out your loans punctually.

You can access our self-service interactive dashboard to monitor your score, make and reschedule repayments, and get regular tips on financial wellness from our experts at Fundo. This can help put you on the path to financial health so that you never have to look up ‘payday loans bad credit instant approval’ again.

Apply for a small, short-term loan with us today!

Disclaimer: Unless otherwise specified, the opinions expressed in this article are only intended for entertainment and informational purposes, and are not intended to be a financial recommendation. The views expressed in this commentary may change at any time without notice.