$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.

Traditional loans can be time-consuming and stressful. You don't have the time to fill out paperwork and answer questions about your financial situation in a bank branch. Many Aussies relate to your situation, so they scour the internet with searches of ‘payday loans instant cash’, ‘cash loans in 60 minutes’, and ‘cash loan fast approval’ but to no avail. Fortunately, your search ends here with Fundo.  

We know you’re looking up ‘payday loans instant cash’ because you need money quickly. Fundo’s short-term loans are great alternatives that make getting small cash loans online fast and easy. We believe the application process should be straightforward, so we keep it that way. You can complete our online application within minutes – just give us a little information about yourself, and then we'll let you know if you qualify for a loan. 

To help you make an informed decision if you’re planning to get an instant loan, we’ve answered common questions related to quick cash online loans below. 

What valid IDs do I need to submit when applying for payday loans?

If you’ve been looking up ‘payday loans instant cash’, ‘Australia loans online’, or something similar, you might also be curious about what documents you need to submit with your loan application. Some lenders require you to provide IDs like driver's licenses or state IDs as proof of identity, while others may require additional documentation such as a copy of your Social Security card or passport. 

Note that loan eligibility requirements vary from lender to lender, so to avoid delays and disappointments, it’s ideal to know if you qualify for a loan before applying. If you're looking for an easy and fast application process, consider Fundo for your short-term loan needs as an alternative to payday loans. Here are the minimal requirements for loan eligibility with us: 

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

Click on the 'Apply Now' button on our platform if you qualify for a Fundo loan and wish to apply, and follow the prompts. Our team can review your application quickly and inform you of the outcome as soon as possible, thanks to our streamlined loan process. If you're approved and everything goes smoothly, you may receive the funds in your account within the same day. 

Will I still qualify for a payday cash loan if I don't have a bank account?

Yes, qualified borrowers can still qualify for payday cash loans even without a bank account; however, it still depends on the lender's requirements. Lenders will typically look at several factors to assess your creditworthiness and decide whether you’re eligible for an instant cash loan with them. 

Whether you're interested in 'payday loans instant cash' or a different type of loan, such as those we offer at Fundo, it's helpful to know what factors your lender takes into account when evaluating your application so you can get a better idea of your chances for approval.

Fundo doesn't rely solely on credit scores when assessing loan applications. Instead, we adopt a holistic approach, which means we consider multiple factors, including income, ability to repay, and more, to make a fair loan decision. This approach helps us better and more fairly assess borrowers with complex financial situations for loan approval.

There’s another way we help approved Fundo borrowers get a better chance at future loans – the Fundo Credit Score. The better your Fundo Credit Score, the greater your chances of loan approval. You can boost your Fundo Credit Score by leaving positive reviews, staying current on your loan repayments, and reducing your loans with other lenders. 

Do I need to disclose if I am receiving benefits from Centrelink?

Let’s say you decided to borrow money today after looking up ‘payday loans instant cash’. You should know that being honest and transparent about your financial situation when applying for a loan is a must. This includes disclosing any income you receive from Centrelink or other government benefits. 

Providing accurate information about your income and expenses will help the lender provide you with a loan that is well-suited for your current financial situation.

At Fundo, we expect borrowers to be open and truthful when providing information, and in return, we pledge to always be transparent in all of our dealings with them. We clearly disclose all costs related to their loans upfront, with no hidden fees or confusing language. This ensures that our borrowers are aware of what they are getting into and can make informed decisions.

As a Fundo borrower, we'll also ensure that you get access to your loan information whenever you need it. You’ll get a self-service dashboard where you can view your loan information, track your loan progress, manage your repayments, and get additional tips for improving your Fundo Credit Score. 

Small loans with flexible repayment schedules 

You may have been endlessly looking up ‘payday loans instant cash’ or ‘borrow money quick’ in search of loan options that suit your payment preferences. But at Fundo, we know that every borrower has unique financial requirements and preferences, so we provide flexible repayment plans to suit your schedule. 

You can make your payments over a period of up to 180 days or pay off the loan in advance (without any additional charges) to avoid paying monthly fees. With all these benefits that Fundo can offer, you don’t have to constantly search for ‘payday loans instant cash’ online anymore. 

Need a teeny, tiny loan? Apply for cash loans online at Fundo now!

Disclaimer: Please note that all opinions expressed in this article are strictly for informational and entertainment purposes and should not be construed as financial advice. All commentary is subject to change without notice at any time.