$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.

Fundo’s Reliable Alternative To A Personal Loan Without Credit Check

When you’re met with enticing promises of a personal loan without credit check, we get it. There is no denying the appeal of swift cash solutions or instant approval loans for those unexpected life hiccups.

Yet there’s more beneath the surface. Despite the appeal of bypassing credit scrutiny, we should also be mindful of the potential pitfalls. This begs the question: What if there was a reliable alternative that combined the speed of online processes with the trustworthiness of thorough financial evaluation?

Here at Fundo, we can open the door to quick yet responsible and reliable lending. Find out more about our small to medium loans.

The Allure of No-Credit-Check Loans

Quick Cash Scenarios

There are a lot of reasons why you would need quick cash before payday comes around. It could be an unforeseen medical bill, urgent car repairs, a looming rent deadline, unexpected utility bills or even expenses from an unfortunate job loss.

No-Credit-Check Loans and Their Pitfalls

Opting for a personal loan without credit check means bypassing the traditional credit evaluation process. As such, the process of obtaining your loan is typically much faster. With these quick cash loans, lenders might focus on aspects like your income. While such no credit loans or poor credit loans may sound appealing at the moment, they tend to come with caveats such as strict repayment methods and hidden fees.

The Fundo Difference: Your Australian Loan Ally

Quick and User-Friendly Loans

Fundo isn’t just another online lending platform; we are one of Australia’s trusted choices for quick online loans. Why? It’s because speed and simplicity go hand in hand here. No more waiting days for loan approvals so there’s no need to turn to an emergency payday loan or personal loan without credit check.

To be eligible for our personal loans, you must:

  • be at least eighteen years old at the time of your application;
  • be a citizen or tax-paying resident of Australia;
  • earn at least $1,000 per fortnight, including government benefits;
  • demonstrate an ability to meet repayment deadlines; and
  • not place undue financial pressure on yourself by borrowing from Fundo.

Navigating the Fundo application process is a breeze. Start by visiting our homepage and selecting the ‘Apply Now’ button. Just follow the straightforward prompts and you’ll receive a response within mere hours, in most instances within the same day.

We’re fully dedicated to assisting you promptly, processing applications from Monday to Saturday. Plus, for your convenience, our online application form is accessible around the clock, 24/7.

How We Tackle Credit Scores

At Fundo, we’re pioneering a transformative approach to lending with our innovative Fundo Credit Score. Unlike traditional systems that often paint an incomplete picture, our scoring method looks beyond just numbers. It rewards timely repayments and your provided feedback; it even gives you a boost when you refer friends to Fundo.

This unique system offers a comprehensive view of our users, emphasising current financial behaviours over past hurdles so they don’t have to turn to a personal loan without credit check. However, we’re also dedicated to being responsible lenders. For us, this means conducting credit checks, but don’t worry, as these checks are not the dominating factor in our decision-making process.

Transparency that Shines

At Fundo, transparency and fairness are core to our ethos. While we do apply fees to our small and medium loans, we prioritise outlining them in a manner that’s straightforward and easy for you to comprehend. Rest assured, every fee is consistent with industry norms and legal standards. We do not impose hidden charges, ensuring all potential fees are clearly disclosed to you during the loan offer process.

Frequently Asked Questions (FAQ)

What’s the usual process for loan approval without a credit check?

Seeking a personal loan without credit check often leads individuals to online lenders. Once applicants find the lender they’re comfortable with, they provide their personal details online or by phone. Instead of credit checks, lenders may request banking history, income details and rental payment records.

The decision time varies, with some lenders giving quick responses and others taking a few days. If approved, funds typically transfer within a day or two.

How does the lack of credit checks affect my loan’s terms?

Lacking credit checks can lead to quicker loan approvals based on factors like income or employment. However, these quick cash no credit check loans might have higher interest rates, lower amounts and shorter repayment periods. While they may bring temporary relief to those with less-than-optimal credit histories, it’s crucial to evaluate the terms to ensure they fit your financial capabilities.

Are online lenders offering no credit check personal loans reliable?

In Australia, the world of online no credit check personal loans varies in reliability. The online lending sphere, like any digital marketplace, can have dubious entities aiming to scam borrowers.

One thing you can be sure of is that Fundo adheres strictly to standards enforced by the Australian Securities and Investments Commission (ASIC). It’s crucial for borrowers to be vigilant and always verify a lender’s credentials and reviews.

Discovering Fundo: Your Trusted Alternative to Traditional Online Loans

In the vast expanse of the online financial marketplace, Fundo emerges as a beacon of trust and reliability. While many are familiar with terms like fast payday loans, instant payday advance and quick cash payday loans, these often come with pitfalls and potential financial traps. Fundo stands out by offering alternatives to these traditional products with its commitment to quick, easy and transparent medium and small loans.

It’s easy to get swayed by the promises of an online ad screaming, ‘Get your instant approval online loans no credit check here!’ but Fundo believes in a different approach. By providing alternatives to a personal loan without credit check through our quick and easy short term loans, we ensure that our clients experience the convenience and speed of online loans while providing more manageable financial solutions. Apply for a loan with Fundo today!

Disclaimer: Please note that we do not offer personal loan without credit check. 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.