$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.

Small instant cash loans are a boon for borrowers looking for fast and convenient loans. Even better, many of these loans are available online and from a range of lenders.

That being said, getting a small loan from traditional lenders like banks can often be a long, complicated process. There are several forms to complete and several checks and balances to adhere to. By the time you hear back on your loan, it’s been days or even weeks. Your purpose for needing the loan is probably past urgent at this point.

Fundo’s fast small cash loans, on the other hand, make small instant cash loans easy, fast and convenient. We even encourage you to take advantage of our streamlined application process and quick review turnaround by applying during our business hours.

Don’t just take our word for it, though. Below is some information on how our loans may fit your current needs or situation.

How can I get emergency money instantly?

When it comes to small instant cash loans, your best bet may be personal unsecured loans.

Personal loans are versatile credit products that can be used to finance special purchases like holiday expenses, one-time emergency expenses, or home renovations. There are also several types of personal loans available, ranging from bond loans to short-term small loans, making them popular among borrowers.

If you’re interested in these small quick cash loans and what we look for in loan applications, below are our five key eligibility criteria.

  • You have to be eighteen years old or older.
  • You have to be an Australian citizen or a permanent resident.
  • You have to be earning at least $300 a week, not counting government benefits.
  • You have a plan for meeting repayment deadlines that you can demonstrate to us.
  • You won’t be putting undue pressure on your finances by loaning from us.

While we accept applications for small instant cash loans from borrowers who supplement their income with pensions and other such benefits, we strongly encourage that you have a separate income source that meets the weekly criteria. This will give your application a stronger chance of being reviewed positively.

If you have enquiries about our eligibility criteria or are curious about our other products, please reach out to our customer service team and ask. We’ll be more than happy to answer any questions you have.

What is the smallest loan I can get in Australia?

Small short-term loans typically range in amounts up to $2,000, but the true variety is in the type of loans that fall under its umbrella. For example, instant weekend loans are just one type of short-term loan that is commonly offered among online lenders.

Regarding personal loans, unsecured small loans are the most commonly offered among online lenders. Interest on these small instant cash loans is typically repaid over a fixed term. At Fundo, for example, our borrowers usually have up to 180 days to repay their loans.

Processing speeds for most small instant cash loans online are just as quick. Compared to mainstream lenders like banks or credit unions, which typically take days to weeks to get back to you about an application, online lenders like Fundo can offer same-day application reviews or even approval and loan releases.

That being said, when you apply for a loan with us, we make an effort to assess each application independently. This is so everyone gets a fair chance; we want our loan products to be accessible to people from all walks of life, and this is one way we believe contributes to that goal. 

How much are the fees for a small online loan?

We can’t speak for other lenders regarding their fees for small instant cash loans, but here at Fundo, our associated costs and fees are based on responsible lending laws established by both state and federal legislation.

These laws inform licensed lenders what fees and rates are considered responsible and fair for industry standards. You can also rest assured that we adhere to these laws and disclose these fees to you during the loan offer stage. We believe that transparency encourages a more productive relationship between lenders and borrowers, and we’re trying to lead by example.

So if you’re looking for cash direct loans or last minute loans, why not try Fundo’s products instead?

Not only do we offer a wide range of small short-term loans, but we also have several customer-oriented services you won’t find elsewhere.

To start, we provide our returning borrowers further convenience on top of our already straightforward online application process. In just three clicks, returning borrowers can complete a new application, such as for a home renovation loan – and if they have a great Fundo Credit Score, they have even better chances of getting approved.

The Fundo Credit Score is a special score we assign to your loan account. The higher your Fundo score, the better your application’s chances of getting approved. You can improve this score by leaving us positive feedback, referring Fundo to friends or family, and repaying your small instant cash loans on schedule or earlier. You can also improve your score if you don’t have too many loans with other lenders.

You can monitor these features through our self-service dashboard as well, which is our central hub for everything related to your loan account. With robust loan products and services like these, you’d be hard-pressed to find a cooler lender than Fundo.

So come and make us your new fast cash loan provider, and apply for our cash loans today!

Disclaimer: This article’s expressed opinions and commentary should not be construed as financial advice or recommendations unless otherwise specified. We reserve the right to change any of our opinions at any time.