$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.

Finding the perfect loan is a challenge. Banks can be intimidating, and knowing which lending options suit your financial situation is confusing. Have you tried applying for small loans in the past? ​You would often find that small, short-term loans come with higher interest rates and other fees. 

We live in a world where money management has become increasingly complex. But at Fundo, we believe that everybody is entitled to financial wellness, starting with making better financial decisions that suit your needs. At Fundo, we help you get the small loans that you need. 

What are the advantages of borrowing small loans?

Fundo’s small loans are ideal for building your credit score. That’s because we consider our applicants for loans on a case-by-case basis, so we take the time to review the financial situation of our borrowers carefully. While we do credit checks, it is not the main determining factor when we approve small, short term loans and other Fundo loans. 

Our loan application assessment is based on several factors, including your income and history of timely payments. Your Fundo loan can help you build credit even if you don’t have any existing accounts or have a poor credit score.

How to borrow from Fundo

Whenever you want to apply for small loans or a personal loan with Fundo, here are the basic requirements you must meet to qualify: 

  • be at least 18 years old;
  • be a citizen or tax-paying resident of Australia;
  • show proof of regular income of at least $300/week, excluding government benefits;
  • ensure repayment deadlines are met; and
  • not be at risk of financial troubles when borrowing from Fundo.

If you don’t meet the minimum criteria for a Fundo loan, rather than searching online for ‘loans Australia no credit check’ or ‘no credit check fast loans’, talk to us today and let’s figure out how we can help you apply for small loans and online loans.

Do I need income verification to apply for a small loan?

At Fundo, while we don’t accept small loan applications that cannot provide suitable proof of income, we have helped borrowers with complicated financial situations. Please contact us and explain your situation better, so we can find a suitable arrangement for you. 

In cases where you could be an irregular or seasonal worker who doesn’t have a conventional income flow and verification, you may submit additional documentation that can verify your income. Fundo doesn’t automatically reject applications without consideration. 

We understand if you don’t have the typical income verification required by traditional lenders or are worried about your credit history and credit score. It can be challenging to secure loans, let alone small loans. 

Can I get a small loan even if I am unemployed?

As a regular stream of income is one of our requirements, unemployed borrowers are usually unable to take out a loan with Fundo. But again, please contact us if you have a complicated financial situation, because we may still be able to provide you with a viable financing option. Instead of looking for ‘bad credit loans instant’ and other similar no-check loan options, turn to Fundo. 

At Fundo, we put your financial wellness above all else. Through our interactive self-service dashboard, we provide daily tips and advice on developing financial literacy. Moreover, you can track your Fundo Credit Score from here as well. 

Your Fundo Credit Score is independent of your actual credit score. A good Fundo Credit Score can improve your chances of getting approved for a Fundo loan.

Our Fundo Credit Score incorporates a fun credit scoring system. Making sound financial decisions like repaying a loan on time or early, referring Fundo to friends and family, or leaving a review for Fundo increases your score. Having fewer loans with other providers may have a positive impact on your Fundo Credit Score as well. 

With our Fundo Credit Score, it will be easier for you to build sound financial habits by making informed decisions that will influence the state of your finances.

On the other hand, when you make poor financial decisions, your Fundo Credit Score will drop. If you miss a repayment, reschedule, or have failed payment methods, your score will be lowered accordingly.  

At Fundo, your Fundo Credit Score will also increase for every completed Fundo loan, which makes your succeeding loans with us more likely to be approved!

Whenever you’re looking for small loans or emergency loans, Fundo can assist you. We are available by phone and email from 9.00 a.m. to 6.00 p.m., Mondays through Fridays, and from 9.00 a.m. to 5.00 p.m. on Saturdays.

Apply for your teeny, tiny loan today!

Disclaimer: Unless otherwise specified, this article is purely for informational and entertainment purposes and does not provide financial advice or recommendations. We reserve the right to change our views or information without prior notice.