$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.

When dealing with surprise financial gaps, such as car repair or maintenance, nobody wants to waste time searching for ‘personal loans online instant approval’ or having to do a ton of paperwork for a loan application. It takes up a lot of time, and you might not even get the money in time to resolve your problem. It’s why you shouldn’t just go with any lender when you need quick cash to cover unexpected expenses – opt for Fundo for your quick cash needs.

We are a reliable online lender in Australia that provides small cash loan options. We aim to make the process of getting loans as quick, easy, and fuss-free as possible. Within just a few minutes, you can complete your loan application entirely online from the comfort of your home. Our team is dedicated to providing you with a personalised service that caters to your specific loan needs.

To help you make a more informed decision about quick cash loans, we’ve answered common questions related to ‘personal loans online instant approval’ at your disposal. 

What is the difference between online and bank loans?

Bank loans typically require applications to be submitted in person, while online loans are often easier to obtain than bank loans since they are available on the internet. This means that you can submit your application from anywhere without having to take time off your busy schedule. If you’re interested in ‘personal loans online instant approval’, know that you can often apply with just a few clicks with online loans

One example of an online lender with quick processing times is Fundo. If you’re interested in getting a travel loan or any small cash loan, all you need is a mobile or desktop device and an internet connection to apply for your desired small loan. We’ve also streamlined our processes so you can get a loan without worrying about filling out paperwork, faxing documents, or even talking on the phone.

Just navigate our platform to our online loan application form, fill it out with your personal and financial details, and submit it. Our team will carefully review your application and let you know once a decision is available. If you apply during business hours and all goes well, you can even receive the funds in your bank account within the same day. 

What can affect the interest rate for my personal loan?

If you have previously looked up ‘personal loans online instant approval’, you may be wondering what influences the interest rate of loans. It depends on the lender’s conditions, but typically, they consider factors like your credit score, income, desired loan amount and terms, and ability to repay a loan. Often, traditional lenders only evaluate the credit score, leaving those with low scores with very limited loan choices. 

At Fundo, however, we have a different approach; we take a more comprehensive perspective to ensure that all borrowers have access to reasonable loan fees. While credit rating is essential in determining your interest rate, we do not exclusively base decisions on this factor. 

Because we also want you to feel confident about your short-term loan, we’ll give you all the information you need upfront. Fundo is transparent in every way: from our smart user interface that provides an instant breakdown of all the fees involved in a loan to our no-hidden-fees policy.

How do I find low-interest personal loans online in Australia?

Many individuals searching for ‘personal loans online instant approval’ are also keen on finding a loan with a low-interest rate. Because lenders typically offer lower interest rates to those with good credit scores, you can work on improving your score if you wish to get a lower interest rate. 

At Fundo, we are devoted to helping our loan applicants get the most suitable loan rates and terms for their circumstances. That’s why we have developed our own credit scoring system – Fundo Credit Score – which helps us get an all-inclusive overview of a borrower’s financial standing. Through this, we can provide loan options that are tailored to each borrower’s individual financial background, including adjustable repayment terms.

The higher your Fundo Credit Score is, the higher your chances of getting approved for loans with Fundo in the future. You can actively work on enhancing your credit score so you can access better loan offers in the future. You’ll find tips on improving your Fundo Credit Score on our self-service dashboard. Some of the ways to improve your score are to leave us reviews and avoid taking out loans with other lenders. 

Do you qualify for a Fundo loan?

Now that you know about the amazing benefits Fundo can offer you, you can finally stop scouring the internet for answers to ‘personal loans online instant approval’. The next step is to apply – here are our minimum loan requirements: 

  • You must be at least eighteen years old.
  • You must be a citizen or a tax-paying Australian resident.
  • You must have a regular income of at least $300 per week outside government benefits.
  • You should not place undue financial pressure on yourself by borrowing from Fundo.
  • You should be able to prove your ability to meet repayment deadlines. 

If you’re eligible for a Fundo loan, then waste no time and submit your loan application now. If you’re a returning borrower, you can even apply for a Fundo loan in just three clicks. 

Waste no time searching for ‘personal loans online instant approval’ and apply for easy loans at Fundo now!