$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.

Which To Choose: Fundo Loans Or Quick Cash With No Credit Check?

Sometimes, life can hit you with a financial curveball. Whether it’s an unexpected bill, an upcoming big event, or a life goal that just can’t wait, there are plenty of reasons you may be looking for quick cash with no credit check. It sounds too good to be true and sometimes it is. So what’s an alternative you can consider?

Learn about the potential pitfalls of no-credit-check loans and discover a potential alternative: Fundo, your financial buddy that can provide help when you need it the most.

Why people might need no credit check loans

What is a no credit check loan?

No credit check loans are loans where the lender does not conduct a traditional credit check to determine an applicant’s creditworthiness. Instead of looking at a borrower’s credit history and credit score, lenders might focus on other aspects like income, employment status and current financial obligations. This is one way to get quick cash with no credit check.

There are also private, no credit check lenders on the market that offer payday cash loans. They often cater to Australians searching for terms like ‘rapid cash loans no credit check’, ‘small loans without credit check’ and ‘fast cash no credit check’.

Why might people need a no credit check loan?

Some may want to secure quick cash with no credit checkbecause they’ve been discouraged from applying for traditional bank loans due to a not-so-perfect credit history. Because some traditional lenders require good or better credit histories, this can exclude some borrowers who have had financial difficulties in the past but have the present ability to repay a loan.

The potential downsides of no credit check loans

Some providers of no credit check emergency loans might require borrowers to provide security for the loan instead of a credit check.

However, not everyone who needs a loan with no credit check is in a position to provide security, which puts them in a tight spot. Some other lenders may make up for the lack of a credit check with strict repayment terms and hidden fees, making repayments unmanageable.

So, with some traditional banks needing a credit check and some lenders providing quick cash with no credit checkbutneeding security or imposing short or strict repayment terms, it may be time to consider an alternative if you need easy cash loans.

The Fundo difference

Ease of application

There's a reason you're here: you need help fast. Our goal at Fundo is to make applying for quick money loans as easy as possible. While we do not offer quick cash with no credit check or an emergency payday loan, our platform breaks down your application into easy-to-understand steps. The result? Fast cash could be a click away with our simple digital form.

No-fuss requirements

Unlike some providers of payday loans online, we believe in keeping things simple. To be eligible for our quick loans online, 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
  • ensure you won’t place undue financial pressure on yourself by borrowing from Fundo.

Quick processing and approvals

Searching up ‘personal loan without credit check’ or ‘instant cash no credit check’?

Consider Fundo as an alternative. We act fast because we know you need cash quickly. If you submit your application during our business hours, which are 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, we can promptly review your application. If approved, chances are you can get the money on the same day.

We are committed to providing a great alternative to no credit check secured loans Australia-wide. Because of that, we may conduct a credit check before approving an application, but it only plays a minor role in our decision-making process. Instead, we focus on your current ability to repay the loan.

Flexible repayment terms

Life is already challenging enough, which is why you were looking for quick cash with no credit check. Fundo wants to make your repayments work for you, not add to your burdens. That’s why we offer flexible repayment terms that fit your lifestyle and your budget. If you want to change your payment dates, give us forty-eight hours' notice so we can do our best to make the adjustments possible.

Fundo, your financial buddy

Multipurpose loans for all your needs

Need funds for an upcoming holiday? Tying the knot soon? Or are you looking for extra cash to fund your education? Whatever you need, Fundo’s got you covered. We only ask for your reason upon application, but we value your privacy when spending.

Your Fundo Credit Score

The Fundo Credit Score is even our own credit scoring system; this is different from the credit score that comes from credit bureaus. We use this system to encourage responsible borrowing by rewarding timely loan repayments, valuable feedback and referrals.

The higher your Fundo Credit Score, the higher the likelihood of your Fundo loans being approved in the future, so you don’t have to look for no credit check payday loans anymore.

Frequently Asked Questions (FAQ)

What is quick cash with no credit check?

These are loans where lenders do not look at your credit score or history. There are a number of ways to get quick cash with no credit check, often from lenders who require security or a co-signer to approve the loan. Sometimes, in the absence of a credit check, they impose strict repayment terms.

Do I need a bank account to access quick cash?

Lenders typically need you to have a bank account in your name. Here at Fundo, we require you to have a transactionaccount, as this is where your much-needed funds will be sent if approved.

Can I apply for multiple no credit check loans at once?

Technically, there is no limit to the number of loans you can apply for at once, whether they require a credit check or not. However, there is a limit to the loans one ends up being eligible for.

To save time and energy, you’ll want to apply with a lender that gives you a higher chance of approval. While we don’t offer no-credit-check loans at Fundo, we are able to consider applicants with various financial histories. To avoid undue financial stress, we only approve one loan at a time, but you are welcome to reapply after you finish a loan.

Discover Fundo: Your Trusty Source for Personal Loans

Welcome to Fundo, where we’re all about understanding and flexibility. We offer loans to a wide range of borrowers, whether you’re someone with a pristine credit score or your credit history is not-so-perfect. We pride ourselves on transparency, with no hidden fees on our personal loans.

Say goodbye to cryptic legal jargon and perplexing processes. Discover the future of hassle-free lending with Fundo.

Disclaimer: Please note that we do not offer quick cash with no 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.