$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.

If you are on the lookout for same day cash loans, you might be facing a financial gap or unexpected expenses that require immediate attention. When you don’t have the necessary funds available to cover the cost, this can cause a lot of stress and anxiety.

Fundo’s small short-term loans can provide a quick and convenient solution for people in search of same day cash loans or small bank loans to get out of a tight spot. By offering fast turnaround times and access to funding, we can help alleviate financial stress and provide a sense of relief for those who need fast assistance.

How do same day cash loans work?

Same day cash loans are a type of short-term loan that can provide borrowers with quick access to funds. These loans are typically used to cover unexpected expenses or to tide people over until their next payday. Here’s how they typically work:

  1. The borrower will first apply for a loan by filling out an application, either online or in-person, and providing the lender with some personal and financial information.
  2. The lender reviews the application and, if approved, offers the borrower a loan agreement outlining the terms and conditions of the loan, including the loan amount, interest rate, and repayment schedule.
  3. The borrower signs the agreement and receives the funds, either by having the money deposited into their bank account or by receiving a check or cash.
  4. The borrower repays the loan, plus any interest and fees, on or before the agreed-upon repayment date.

Here at Fundo, we want to make it easier for everyone looking for same day cash loans to obtain access to prompt short-term funding, and that’s exactly what we do best. We are an Australian-based organisation run by Aussies who are well-versed in the local lending landscape and sensitive to the demands of our borrowers.

We want to empower Aussies to practise financial wellness and healthy borrowing behaviour. As such, we send out tips and advice through our self-service interactive dashboard on different topics, from small loans in Australia to last minute loans. Even better, we don’t use the excessive jargon and complicated language used by traditional lenders.

Are same day cash loans more expensive?

Whether same day cash loans are expensive depends on the lender and terms of your loan. Some may be offered to borrowers with less-than-perfect credit, and lenders compensate for the higher risk of default by charging higher interest rates and hidden fees. Other lenders may offer more reasonable rates, especially for more creditworthy borrowers.

At Fundo, we believe it’s only fair that when you take a loan with us, you always know what exactly it will cost so that you will be able to budget accordingly and make repayments on time. At Fundo, we offer our loan options with flexible repayment terms and absolutely no hidden fees. You won’t have to worry about any unwanted surprises with us because our fees are all listed up front.

Can I get same day cash loans from banks?

While it is possible for a bank to approve you for a loan and provide you with quick cash on the same day, the entire process of applying for and obtaining funding from a bank usually takes several business days. This includes the time it takes to complete the application, gather and verify all required documentation, and for the lender to review and make a decision on the loan. 

It’s important to keep in mind that the length of time it takes to get a loan from a bank can vary depending on a variety of factors, such as the lender’s policies, the complexity of the loan, and the borrower’s credit and financial history.

The Fundo application process is entirely online, so you can submit it from anywhere at any time. Our business hours are from Monday to Friday, 9 am to 6 pm, and on Saturdays, from 9 am to 5 pm. If you submit your loan application during these times and it is approved, there’s a chance you can receive your funds on the same day. 

If you submit your application towards the end of our business hours or after our business hours have ended, you can expect to receive a decision on your loan within the next twenty-four hours or on the following business day.

The Fundo Credit Score is a unique feature that we offer to our customers. It is designed to incentivise healthy borrowing habits. It is a reflection of your borrowing history with us, and it is used to determine your likelihood of being approved for future loans.

One of the benefits of the Fundo Credit Score is that it is independent of your previous credit history. We believe that everyone should have the opportunity to borrow, regardless of their previous credit history, and that is why we consider other factors when determining your ability to pay back a loan.

With Fundo’s services, there’s no need to keep searching for ‘same day cash loans Australia’ online or to settle for payday loans. Apply for a teeny tiny loan with us today!

Disclaimer: The views presented here are for informational and educational reasons only and are not to be construed as financial advice or recommendations. Opinions expressed in this post are subject to change at any time and without prior warning.