$300 - $2000
Pay over the duration of up to 180 days
20% upfront
establishment fee 4% monthly fee
between $300 - $2000
Pay over the duration
of up to 180 days
20% upfront establishment
fee 4% monthly fee


Loan Amount of $1,000 up to 180 days repayable weekly (20 weekly repayments). $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 instalments of $70.00.

Under the current legislation, most small personal loan providers don’t charge an annual interest rate (you’ll know this as an APR %). The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on loans between $300 and $2000 is 199.43%. This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Personal loans in Australia

Personal loans can be a great way to ensure that you have some cash handy for a rainy day. Whether you need to make a spur-of-the-moment purchase or have had an unexpected expense come up, it’s a great feeling to know that you can cover costs when necessary.

But securing a small personal loan can be tricky at times. If you only need a minimal amount and don’t want to be tied to a long-term loan product, it can be challenging to deal with the big banks and major lenders. To make matters worse, this problem can be heavily compounded if you’ve previously had credit issues.

But here at FUNDO, we think that getting small short-term loans should be simple and straightforward. We also don’t think you should be shut out of the best small personal loans due to bad credit, either. We’re passionate about helping people who’ve been turned away from other lending institutions, as well as those who have trouble securing the smaller loans that they need.

So if you’re looking for a same-day small personal loan, the team here at FUNDO may be able to help.

An online personal loan with the flexibility you need

Fast cash loans can help you get out of a bind — but when you’re opting to go with one of the major lenders, you may find there are a surprising amount of restrictions on what you’re able to do with your cash once you’ve got it in hand. But at FUNDO, we know how important it is to have flexibility when you borrow. That’s why we offer a near-instant personal loan — we’re able to confirm approval on the spot, and if you’ve been approved during business hours, we can usually transfer the cash to your bank account within about an hour. It’s a loan that allows you to get the cash you need, when you need it, while also giving you the freedom to spend as necessary.

Small personal loans for bad credit

People end up with bad credit for all sorts of reasons — or with virtually no credit trail in some cases! Either one can be tricky when you’re trying to secure a loan. But when you apply for a small personal loan online at FUNDO, we have virtually no credit checks. We know that yesterday’s problems don’t necessarily mean you can’t pay today, and we treat our customers as such.

In fact, some people even use FUNDO loans as a way to help establish or rebuild their credit history. If you’re able to demonstrate your ability to make regular repayments, you can put yourself in better stead when it comes to securing larger loans.


Here at FUNDO, it’s easy to get a small personal loan. We offer personal loans ranging from $300-$2000 with flexible conditions — so if you need to get your hands on some cash to cover an unexpected expense or to make a purchase at a key moment, we can help. Even if you’ve previously had credit incidents, we can often help.

In contrast to the big banks and major lenders, we have fairly minimal requirements for our loans. You’ll be required to demonstrate that you’re earning a certain amount from non-Centrelink sources and establish that you can make repayments on a regular basis. If you can do this, we’re usually able to provide you with a loan.

Here at FUNDO, our personal loans are a minimum of $300.

It’s simple, fast and straightforward. Once you’ve got all of your paperwork together, you’ll be able to apply right here on our website via smartphone, computer or tablet. The whole process takes about three minutes, and we’ll be able to tell you whether you were approved almost immediately. If you apply and are approved within business hours, we can generally transfer you the funds within an hour.

No problems at all — just give us a call! Ring 02 9066 9660 and one of our team members can answer any of your questions. If you want to get started with your application on the spot, they’ll be able to help you with that too.