$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.

The costs associated with car repairs, home renovations, unexpected expenses, and so on can throw your budget out of balance. Then comes the tedious task of getting a loan to cover those costs. It is important that you get help choosing the right lender and loan. In an unforeseen financial situation, you shouldn't have to pay high interest rates or additional fees.

Fundo provides you with a fast and easy way to apply for small personal loans. Thanks to our 100% online application process, you can apply for the loans you need from the comfort and convenience of your home.

How do personal loans work?

Regardless of the type of lender, small personal loans are typically issued as a lump sum directly into your nominated bank account. Most lenders require you to repay the loan plus interest and, in some cases, additional fees over a period of time. Depending on the lender you borrow from, they may offer strict or flexible repayment schedules and terms. 

When you apply for a small personal loan with Fundo, we provide you with all the details upfront. We ensure transparency, and we let you know exactly what you are paying for. 

Moreover, whether you’re looking for small cash loans or small personal loans, you can easily monitor your loan details from Fundo’s interactive self-service dashboard to track your loan balance and ensure that you never miss your next repayment period. 

What credit score do I need to apply for a small loan?

The credit score required for small personal loans varies from lender to lender. A good credit score may be required to qualify for some loans, while a poor credit score may result in higher interest rates. 

At Fundo, you can easily apply for small personal or short term loans no matter your credit score. 

While we do credit checks, we consider other factors as part of your loan application. Fundo understands that your financial situation is complicated, so we consider a number of factors before we approve your loan request. 

How to apply for a Fundo loan?

Whenever you want to apply for a Fundo loan, like personal loans or small fast loans, there are general requirements you must meet. To be eligible for a Fundo loan, you must: 

  • be at least eighteen years old;
  • be a citizen or tax-paying resident of Australia;
  • prove that you earn a minimum of $300 per week, excluding government benefits;
  • ensure repayment deadlines are met; and
  • not be at risk of financial problems if you borrow from Fundo.

Applicants can submit their applications online, anywhere, anytime, and 24/7. Upon visiting our website, you will be asked to fill out a general information sheet and enter how much money you would like to borrow. If required, you may be asked to provide additional documentation. Also, returning borrowers can apply online for a new loan in just three clicks.

If you’re worried about not having credit for a small personal loan, choose Fundo instead of searching online for ‘no credit check fast loans’ or ‘small loans bad credit’ and settling for loan terms and conditions that don’t suit your situation. We offer a range of short-term and small personal loans designed to meet the needs of many people, not just those with good credit scores.

Do personal loans have a high interest rate?

Some personal loans can have a high-interest rate depending on the lender you borrow from and your credit score. Some small personal loans may require you to sign some collateral if you can’t make repayments and default on your loan.

At Fundo, we don’t require that you sign over collateral or pay absurdly high interest rates; instead, we provide other benefits for our borrowers. From our self-service dashboard, you can also monitor your Fundo Credit Score, an independent credit scoring system different from what’s used by traditional lenders. 

When you apply for a Fundo loan, you are given a Fundo Credit Score, which is a credit score that rewards you for practising good financial habits. You can increase your Fundo Credit Score by repaying a loan early or referring friends and family to Fundo. A higher Fundo Credit Score increases your chances of getting approved for a loan in the future.

 At Fundo, we offer small personal loans without blindsiding you with hidden fees or risky loan terms. 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 small personal loans with Fundo today and learn more about financial wellness! 

Disclaimer: This article is strictly for general informational and entertainment purposes and does not provide financial advice or recommendations unless otherwise specified. Please note that our views and information are subject to change without notice.