$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.

Getting access to quick short-term loans isn’t always as easy as it should be. Applying for a bank or credit union loan can take hours and multiple forms. And with so many red-tape hindrances, borrowers often face the possibility of getting denied, so they constantly look up terms like ‘payday loans instant’ for online options instead. Thankfully, you’ve found Fundo, where you can apply for small loans conveniently from home without tedious paperwork. 

If you’re looking for a solution to cover unexpected expenses and need cash quickly, Fundo may be able to assist you. Instead of searching for ‘payday loans instant’ online, read on to learn more about how Fundo can help.

Who determines how much I can borrow on payday advance loans?

If you’re searching for ‘payday loans instant’ options, it’s important to know that lenders for these types of online quick cash loans typically determine the amount you can borrow. They will take into account various factors, such as your income, credit score, and debt-to-income ratio, to determine how much you can borrow. But because each lender is different, some may focus so much on credit scores that only those with perfect scores can get approved, or they may not run credit checks at all, which may be a sign of a predatory lender. 

You don’t have to worry about that with Fundo’s short-term loan alternatives because, as responsible lenders, we still run credit checks, but we also don’t rely solely on them when evaluating loan applications. We take a comprehensive approach, which means we take into account various factors, such as income, ability to repay, and others, in addition to credit score. This allows borrowers with more complex financial situations to have a fair chance of getting approved. 

Borrowers who wish to apply for another loan with Fundo can improve their chances of approval by raising their Fundo Credit Score. Those who get approved for a Fundo loan get access to the Fundo Credit Score, which can be improved by leaving reviews for us, referring us to friends, and limiting loans with other lenders. Returning Fundo borrowers can also apply more quickly, within just three clicks. 

What factors should I consider when choosing a payday cash loan lender?

When choosing a lender for payday loans instant options, it’s important to consider the lender’s reputation, licensing, interest rates and fees, terms and conditions, and the ease of the application process. The same goes when applying for other types of easy cash loans like the ones here at Fundo. 

At Fundo, we want to help you feel confident about taking out a quick personal loan online. We are committed to being transparent and straightforward when it comes to our online fast loans, so we make sure that all the costs associated with your loan are clearly outlined and presented to you upfront, with no hidden charges or complex fine print. 

In addition, we provide flexible repayment options for your loan, allowing you to make repayments in a way that is comfortable for you so you can avoid missed payments and late fees. You can schedule your repayments weekly, fortnightly, or monthly over a period of 180 days, or pay off your loan in advance without any additional charges so you can save on monthly fees. 

How quickly can I receive my money after my application is approved?

If you’re in search of ‘payday loans instant’, then you probably need cash quickly. The time frame for receiving funds after a small loan application is approved can vary depending on the lender. The speed of disbursement can be influenced by many factors, but when the application process is fast and easy, it increases the likelihood of submitting your application sooner and getting a decision sooner.

Instead of opting for payday loans, choose Fundo’s small and quick loan options. With us, you can complete your online loan application in just a few minutes. To apply, simply navigate our platform to find the ‘Apply Now’ button. Click on it and fill out the form to complete your application. Our team will review your application and let you know the decision as soon as possible. If you apply during business hours and all goes well, you may get the funds in your account within the same day. 

How to qualify for a Fundo loan

Interested in Fundo online loan cash options, but not sure if you’re eligible? Different lenders have different lending criteria, but the good thing is that Fundo only has minimal loan requirements. To qualify for a Fundo loan, you must: 

  • be at least eighteen years old;
  • be a citizen or permanent resident of Australia;
  • earn at least $300 per week, excluding government benefits;
  • demonstrate an ability to meet repayment deadlines; and
  • not put yourself in a financial bind when you borrow from Fundo.

If you qualify for a Fundo loan and your application is approved, you will have access to a self-service dashboard where you can easily manage your loan. The dashboard lets you view your loan information, track your loan progress, and schedule repayments. With this feature, you can stay up-to-date with your loan progress anywhere, whether in your home or office. 

Now that you have a better understanding of the services and benefits that Fundo provides, as well as how we can help you find an alternative to ‘payday loans instant’, it’s time to take the next step and apply.

Complete your application and borrow money today from Fundo! 

Disclaimer: All opinions in this article are expressed solely for informational and entertainment purposes and are not intended as financial advice. All commentary can change at any time without notice.