$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.

Search terms like ‘quick instant loans no credit check’ and ‘best quick loans no credit check’ are becoming increasingly popular, and it's not hard to see why. It can be pretty difficult to apply for loans if you have a less-than-stellar credit history, and on top of that, you’d also have to deal with all the lengthy forms, long waiting times, and endless requirements that come with traditional loans. 

At Fundo, we understand that life happens, and we like to focus more on an individual's ability to repay their loan than their financial history. We also aim to provide short-term loans with an easy application process and fast turnaround times, making us the ideal lender for those typing up ‘instant cash loans in Australia’ or even just looking for online cash loan money lenders.

Why do loan lenders do credit checks?

Before you begin researching phrases like ‘quick instant loans no credit check’, you should know that credit checks are useful in assessing the creditworthiness of loan applicants. Creditworthiness is a measure of the borrower's ability to repay the loan and is determined by a number of factors, including the borrower's credit history, income, debt-to-income ratio, and employment status. 

By performing a credit check, lenders can get a better understanding of the borrower's financial situation and determine the risk of lending them money. This helps lenders decide whether to approve the loan and, if so, what terms to offer.

As part of our commitment to being responsible lenders, Fundo runs credit checks on all our applicants for rapid cash loans in Australia. However, your credit score plays only a small part in our approval process, as we focus more on your ability to make your repayments for your fast cash loans. 

To qualify for our quick 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 $300/week in regular income, excluding government benefits;
  • demonstrate an ability to meet repayment deadlines; and
  • not place undue financial pressure on yourself by borrowing from Fundo.

If you meet our eligibility criteria, you can apply for a small loan ranging from $500 up to $2,000 with us. Our online application form is available 24/7, and we process applications Monday through Saturday so you can quickly get the funds you need instead of resorting back to searching ‘quick instant loans no credit check’ online.

To apply, visit our homepage and click on the 'Apply Now' button. Follow the prompts to complete the application process. If you are approved, we will send you a unique loan agreement and aim to deposit the funds into your account as soon as possible. 

If you submit and are approved for a loan during business hours, you may receive the funds on the same day, so there’s no more need to type up ‘quick instant loans no credit check’ on your search engine. However, it is important to note that the time it takes for the funds to be made available to you may vary depending on your bank's processing time.

Do loans below $500 still require a credit check?

The answer to this question depends on the lender and the type of loan you are seeking. Some lenders may not require a credit check for loans below a certain amount, such as $500, while others may still check your credit as part of their lending decision.

If you are seeking a quick small loan but are not able to get approval from traditional lenders due to poor credit, you have alternative options like Fundo to consider, so you don’t have to spend hours looking at results for ‘quick instant loans no credit check’.

At Fundo, we consider more than just your traditional credit score when evaluating loan applications, as we don’t want to hold your past financial situations against you. As such, we have developed our own credit scoring system, the Fundo Credit Score, to help us determine your suitability for borrowing from us. 

By paying your Fundo loans early or on time, sharing feedback, and referring friends to Fundo, you can improve your Fundo Credit Score and increase your chances of being approved for future quick instant loans. We also offer special discounts and benefits to borrowers with high Fundo Credit Scores, which can do wonders for those looking up ‘quick instant loans no credit check’.

What's the most I can borrow with no credit check?

It is difficult to determine the maximum amount that you can borrow with no credit check, as this will depend on the lender and the type of loan you are seeking. If you’re worried about your credit score affecting your ability to get a Fundo loan, you can easily contact our friendly customer service team, which is more than happy to listen to any of your concerns and help you out.

If you are approved for a quick easy cash loan with us, it is essential that you manage it properly. Fundo provides you with a personalised account dashboard so you can stay on top of your loan. This feature allows you to view and update your account information, make or reschedule loan repayments, and keep track of loan details such as your balance, duration, and payment dates. 

You can also earn points and check your Fundo Credit Score using the account dashboard. With this tool, managing your online loan and accessing your account information can be done from wherever you are.

Quick and easy loans for all credit scores at Fundo

At Fundo, we understand that not everyone has a perfect credit score. As a private lending institution, we offer short-term and online loans fast to approved applicants, even if they may have a lower credit rating. 

We pride ourselves on our flexible repayment options, transparent fees, and being an Australian-owned and operated company that aims to make searches for ‘quick instant loans no credit check’ a thing of the past. 

We strive to make the process of obtaining small loans in Australia as straightforward and hassle-free as possible, without any confusing legal jargon or complications. 

Apply for a loan today with Fundo!

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