$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.

Instead of Applying for Payday Loans Online, Try This

Ever been caught off guard by life’s unexpected money-related curveballs? At Fundo, we understand the struggle of maximising your wage receipts, the anxiety of unforeseen expenses and the urgency of needing cash fast. These circumstances may have led you to look for payday loans online to fill in the financial cracks.

But we invite you to consider a Fundo personal loan instead, designed for Australians like you. Today, learn about how we prioritise simplicity, speed and empathy in our services, creating a lending experience like no other.

The appeal of instant payday loans

What are payday loans?

Quick payday loans online are a variety of short-term lending. Since they’re unsecured, these payday instant loans don’t require you to provide any assets to cover the loan. The deal is straightforward: you can borrow a portion of your upcoming wages, making it like a mini payday advance online before your salary lands.

Why people may need them

Payday loans act as a monetary lifeboat, preventing your ship from sinking before your next payday. They secure essentials when funds are low. Some savvy spenders might even leverage an instant payday advance for considerable purchases they can’t finance in full.

Navigating payday loan pitfalls

Some payday loans, even those marketed as ‘fast payday loans’, could still have a few snags. The payback periods for these small payday loans online are typically brief, often within thirty days or less.

If repayment lags, the accrued fees can pile up, making debt clearance a Herculean task. Hence, personal loans, like the ones we offer at Fundo, often present a more feasible alternative to typical payday loans online.

Factors to consider when choosing an online lender

Speedy approval times

Time is money, so when you’re looking for easy loans in Australia, the swiftness of approval is a game-changer. Although timelines differ among providers of online payday loans, the cream of the crop pledges fast loan approvals, typically within the same day or next.

Manageable loan terms

Though we do not offer Aussie payday loans online, it’s ideal to opt for a provider that lays out all the cards regarding loan terms and fees. This way, you can sidestep nasty surprises like hidden fees or unexpectedly high repayments.

Inclusive of various credit histories

Different lenders, whether they’re payday lenders or otherwise, have different policies. Some may perform a credit score check, while others might not. Certain loan providers might weigh your credit score but not hinge their decision solely on it. So even if your credit isn’t flawless, it’s still possible to borrow money online quickly.

Why choose Fundo instead?

Quick and hassle-free loans

Fundo, your trustworthy partner in finance, exists to cater to your diverse loan needs, so you don’t have to rely on wage advance loans offered by other lenders. From emergency loans for unexpected expenses to specific-purpose loans like home renovation or education, we’ve got your back.

Empowerment via self-service

We place the financial reins in your hands with a self-service dashboard. It’s as simple as signing in to your account, checking your Fundo Credit Score, making payments, or rescheduling them – all from your device. We want you to have easy access to your loan information.

What makes Fundo stand out?

Comparing Fundo with traditional banks and providers of same day payday loans shows you our unique edge. We generally offer faster approval times, quicker loan disbursements and less stringent requirements. Plus, we believe in flexible payment terms, ensuring you’re comfortable with the repayments you make.

Easy loans in your pocket

Ease of online applications

Say goodbye to tedious paperwork. At Fundo, we’ve replaced the traditional loan application process with a user-friendly online system. It’s all about simplicity – breaking down your application into manageable steps that are a breeze to follow. A short and simple digital form awaits you because we believe fast cash should be at your fingertips.

Swift approval, quick cash

While we don’t provide payday cash advances, our short-term online loans are always just a few clicks away. If approved, it’s even possible to see the cash land in your account the same day, as long as you apply within our business hours. That’s Monday to Friday from 9.00 a.m. to 6.00 p.m. and Saturday from 9.00 a.m. to 5.00 p.m. Sydney time.

Flexible repayment terms

Each financial situation is as unique as the individual behind it. That’s why Fundo designs flexible repayment options, taking into account your personal circumstances to craft an option that’s devoid of undue pressure. We value your trust and comfort and believe that in this journey, we’re all in it together.

Frequently Asked Questions (FAQ)

Do online payday lenders perform credit checks during the application process?

Even top-tier providers of payday loans online might need a credit check during your application. But don’t fret! While we don’t offer payday loans at Fundo, we understand there’s more to you than just your credit score.

We may perform credit checks, but this is merely one small part of our comprehensive decision-making process. Your ability to repay and other income sources are just as crucial to us.

Are there any restrictions on how I can use the funds from an online payday loan?

That depends on the lender. However, though we do not offer online payday loans, we believe in your financial autonomy regarding your personal loans from us. Whether you need the cash for a big purchase or for education or dental related expenses, we’ve got your back. We’ll ask for your purpose during the application and respect your privacy thereafter. It’s that simple.

What features should I look for when choosing loans online?

You’re looking for a quick turnaround, a comfortable repayment structure, an easy-to-navigate online platform and, of course, a lender who’s more likely to say ‘yes’. That’s what Fundo strives to provide – a user-friendly, tech-savvy service that’s all about you.

Fundo: your partner in swift and convenient online loans

Life can be unpredictable and there are moments when urgent financial needs arise, leading you to search for instant payday loans online. When these times come, you need a reliable partner who understands your situation. That’s where Fundo steps in as an ideal alternative to payday loans for your immediate cash needs.

Instead of dealing with the potential disadvantages that could come with urgent payday loans, we’ve got you covered.

We understand that complicated forms, slow approval processes and wait times are not what you need when you’re in a financial crunch. That’s why we’ve streamlined our application process so you get access to the funds you need swiftly and conveniently.

As an Australian-owned and managed private lending institution, we set ourselves apart from the strict policies of traditional banks. Our commitment is to you, our valued customer, by providing flexible repayment options with no hidden fees or charges.

At Fundo, we speak your language – no jargon, no confusing legal talk and no complications. Our process is simple: just easy and quick online loans tailored for you, helping you navigate life’s financial surprises with ease and confidence.

Disclaimer: Please note that we do not offer payday loans online. At Fundo, we provide personal loans and may be able to help you, like the thousands of Australians we have already helped.

Unless otherwise specified, the opinions expressed in this article are strictly for general informational purposes only and should not be taken as financial advice or recommendations. Any views are subject to change without notice at any time.