$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’re located in New South Wales and in need of some fast cash, you may be searching online for terms like ‘payday loans NSW’ for solutions. Struggling to cover an unexpected expense can be a stressful experience for any individual or family. Whether it's a broken-down car, medical bill, or home renovation, finding a reliable loan is often necessary, but it can be difficult to find the right one. 

Fundo recognises this and offers quick loans online that help bridge the gap between immediate costs and expected income. With a streamlined application process and quick turnaround times, anyone in the country can enjoy a breezy and hassle-free loan process by applying online without having to sift through the search results for ‘payday loans NSW’.

What are payday loans usually used for?

Payday loans are typically used to bridge the gap between paychecks for emergency expenses such as car repairs, medical bills, rent payments, and other unexpected financial needs. They are short-term loans that are typically due on the borrower's next payday, hence the name. These loans are often sought when other forms of financing are not available. 

Payday loans online can provide fast approval and access to funds, but they come with high-interest rates and fees that can quickly add up.

Fundo specialises in providing small, short-term loans with flexible repayment terms and competitive interest rates to anyone seeking out ‘payday loans NSW’. Our loans are designed for one-off expenses or emergency situations where you need fast access to funds. We are able to provide a quick response and approval process without the hassle of paperwork or long application forms, which makes it ideal for people who are on a tight timeframe.

Whether you’re in New South Wales searching ‘payday loans NSW’ or in any other part of Australia looking up similar terms, you’ll never have to wait in line or visit a branch when you apply for a Fundo loan. Our entire application process is 100% online and only takes a few minutes to complete. Our business hours are Mondays through Fridays, 9.00 am to 6.00 pm, and Saturdays, 9.00 am to 5.00 pm. If you submit your application and get it approved during business hours, you can likely receive your money within the same day.

Are payday loans better than credit cards?

Whether payday loans are better than credit cards is a subjective question that depends on an individual's personal financial goals, needs, and preferences. 

Payday loans are often more accessible than other types of credit, such as credit cards, and can be used to cover unexpected expenses or emergency costs, which is why people look up terms like ‘payday loans NSW’. These types of loans also typically have a shorter repayment period than credit cards, making them a viable option for those who need quick cash and can commit to paying it back in a timely manner.

Credit cards can be used to purchase items over long periods of time, and the interest is usually spread out over the life of the loan. This means that, depending on the repayment plan, credit cards may be appropriate for those who need larger amounts of money for longer periods of time. Additionally, some credit cards offer rewards and incentives, such as cash back or travel points. 

Fundo's personal loans are an alternative to payday loans or credit cards. They can be used to cover smaller expenses that arise unexpectedly, whether they be for a holiday, a home renovation, or a car repair, and our repayment terms are flexible and can be tailored to your needs.

Can temporary workers apply for payday loans?

Those who search for ‘payday loans NSW’ may already know that people who work full-time have a better chance of getting approved quickly because their income is more predictable. However, it is still possible for part-time and temporary employees to apply for a payday loan, as lenders will look into your current work situation.

Whether you are a full-time, part-time, temporary, or seasonal employee, we at Fundo are committed to taking the appropriate measures to assess your financial condition as part of our responsible lending standards. Your financial obligations, spending patterns, and loan repayment capacity will all play a role in the decision about your approval status, not just your employment type.

Our borrowers can get access to exclusive features like the Fundo Credit Score, which is completely separate from your credit score with credit bureaus in the country. It encompasses your entire history with us. The higher your score is, the more likely you are to get your next application with us approved. You can also win special discounts.

Among the many ways you can earn points are by making repayments early or on time, leaving reviews, and referring friends. You can even win points when your friend gets their application accepted for a loan. You can think of it like a little game where you score by performing healthy borrowing behaviours and encouraging others to do the same.

Another feature is our self-service interactive dashboard. You can use this to track your Fundo Credit Score, make and reschedule repayments, and get regular advice from us at Fundo on different topics related to financial wellness, like ‘instant quick loans’ ‘quick online loans instant approval’ and ‘payday loans bad credit au’.

There’s no need to keep looking up ‘payday loans NSW’. Apply for a quick small loan with us at Fundo today!

Disclaimer: The opinions expressed above are for general informational and entertainment purposes only and are not intended to provide specific financial advice or recommendations. It is only intended to provide education about the borrowing industry. Unless otherwise noted, the views expressed in the commentary are subject to change at any time.