$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.

Are you in need of quick short term loans to cover urgent and unexpected expenses like medical bills, car repairs, or household repairs? We know that it can be difficult to get loans from traditional lenders, as these can sometimes take weeks to process, which is why people search for things like ‘I need cash fast’ and ‘instant loan apply’.

At Fundo, we understand that life sometimes throws you a curveball, and in some cases, you need financial assistance fast. That’s why we offer quick short term loans online with easy application processes, fast turnaround times, flexible repayment terms, and absolutely no hidden fees.

How does a short term loan differ from a personal loan?

Personal loans come in both long and short term durations, each with its own advantages and disadvantages.

A long-term personal loan is typically used to finance larger purchases, such as a car or home. Repayments can become lower if they are distributed over a longer term. However, you are likely to incur more fees or interest due to the length of the loan period, resulting in a higher balance due.

Quick short term loans, like those provided by Fundo, are designed to provide a borrower with a short term solution to an urgent financial need. It’s typically used for emergency expenses or to cover a sudden expense. Since no collateral is required for unsecured short term loans, they can often be processed faster than long-term loans. This also ensures that your assets are never put at risk.

With Fundo as your lender, you get the power to choose your own loan duration of up to 180 days to help you manage your repayments ahead of time. Most of our users choose a duration between five and twenty weeks. Keep in mind that the shorter the term, the higher the amount will be due per repayment.

Are short term loans the easiest funding to get online?

Compared to long-term loans, quick short term loans in smaller amounts are generally considered less risky and may be approved more promptly.

Moreover, the advantage of getting loans online is that you don’t have to wait for a long approval process. The application process for quick short term loans is typically simpler than that for other types of loans. You can apply for a loan online in minutes.

Our quick fast loan application procedures at Fundo are swift and easy. All you have to do to get started is provide the following:

  • details of your regular income;
  • information on your government perks;
  • proof of identification (e.g. Australian driver’s licence, proof of age card, passport); and
  • your bank account details, including your bank, account name, BSB, and account number.

If you are a returning customer, you can enjoy an even more streamlined application process and submit your application for a new loan in only three clicks.

What determines the amount I can borrow from short term loans?

The amount you can borrow from quick short term loans in Australia is largely determined by the lender and your ability to repay the loan. Different lenders will have different criteria for loan amounts, and the specifics of these criteria can vary greatly. Generally, lenders will review your credit score and other financial information to determine how much you can borrow as well as the terms of the loan. 

Some lenders may also look at your income and employment status to further evaluate your ability to repay the loan. Additionally, some lenders may limit the amount you can borrow based on the type of loan you are applying for.

Our loans at Fundo are available to those who meet the following criteria:

  • You must be at least eighteen years old when you apply.
  • You must be an Australian citizen or a resident who pays taxes.
  • You should make at least $300 in regular income each week, excluding government benefits.
  • You must show that you are capable of making your repayments on time.
  • You should not put yourself under undue financial pressure by borrowing from Fundo.

Instead of solely considering your credit history, we look at the entire picture while evaluating your loan application. This includes your current financial position and ability to repay the loan.

To top it all off, we also have something called a Fundo Credit Score, which isn’t connected to the credit score you may have established with the major credit reporting agencies. Having a higher Fundo Credit Score will increase your chances of getting a loan at Fundo in the future.

We use it to reward you for acts of good financial behaviour. Earn bonus points by making repayments early or on time, writing reviews, and referring your friends! Choosing Fundo for all of your financing needs is also a great way to boost your Fundo Credit Score.

You can monitor and interact with your score on our self-service interactive dashboard. We also use it to share our top tips related to financial wellness, which you can refer to throughout your journey to financial health, whether you are curious about ‘fast loans no credit check’  or ‘money lending apps Australia’.

You can stop searching for ’loans payday instant’ and ‘emergency loan Australia’ during a cash gap. Take the first step towards getting the funding you need and apply for one of our quick short term loans today!

Disclaimer: Please note that these opinions are solely for general information and entertainment purposes and are not intended as financial advice or recommendations. Unless otherwise stated, any commentary views are subject to change without notice.