$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.

Breaking Free from Urgent Payday Loans: Why Choose Fundo

In the midst of a financial crunch, urgent payday loans may seem like the quickest solution. But pause and meet an alternative – Fundo Loans.

We’re not your typical lender; we’re your trusted companion in finance, offering an efficient alternative to payday loans. Our aim? To provide a straightforward, swift and empathetic lending service. No more confusing jargon, just a smooth and user-friendly borrowing experience.

Eager to learn more? Stick around as we discuss our unique approach here at Fundo — your stress-free solution to an urgent cash need.

The basics of a payday loan

What are the typical requirements for a payday loan?

Navigating payday loan requirements can be a bit of a challenge, as they differ from one payday lender to another. Some may require a minimum credit score, while others close their doors to those solely relying on pensions or specific benefits.

While we don’t offer these loans, we simplify the process of our online loans at Fundo. To be eligible, you must:

  • be at least eighteen years old;
  • be an Australian citizen or tax-paying resident;
  • earn a minimum of $1,000 per fortnight, government benefits included;
  • prove your ability to meet repayment deadlines; and
  • ensure our loans do not place undue financial pressure on you.

If you’re a pensioner or a seasonal employee but nonetheless earn at least $1,000 per fortnight from other sources, then we are happy to consider your application. So instead of signing up to multiple websites and looking up terms like ‘urgent payday loans’ and ‘payday loan now’, enjoy the simplicity of Fundo.

How do I apply for an urgent payday loan online?

Applying for payday loans online usually involves filling out a form on the lender’s platform. After submitting the application, the lender reviews it and, if approved, provides the funds within a few days. But why look through various payday lenders in Australia when Fundo offers a seamless alternative?

With our 100% online application available 24/7, you can apply for our quick loans at a time that suits you. Upholding our commitment to ‘making finance faster’, we can give you a response within hours, in most instances within the same business day.

You can even get the money on the same day if you apply and get approved during our business hours, which are Monday to Friday from 9.00 a.m. to 6.00 p.m. and Saturday from 9.00 a.m. to 5.00 p.m. Sydney time.

Repayment of payday loans: what’s the deal?

Repayment options for payday loans differ among lenders, with some requiring full repayment as early as sixteen days after disbursement. At Fundo, we pride ourselves on flexibility. We understand the challenges of repaying a cash payday advance by the next payday and offer more accommodating alternatives.

We make it simple for you to share details about your situation with us so we can craft flexible repayment options that you’ll find manageable. That way, you don’t have to stress about risking your financial health or worry about getting an emergency payday loan.

So, for those moments when you need cash urgently, reach out to Fundo, your friendly and reliable online loan solution.

Your funds in action

How much can I borrow?

Typically, same day payday loans offer relatively small amounts.

At Fundo, we don’t limit your ambitions. While payday loans are not part of our offerings, we understand that needs can vary from one borrower to another. So whether it’s education expenses, house renovations, weddings, or even vacations you’re looking to fund, we provide both small and medium loans tailored to your individual needs.

Can I use a payday loan for medical emergencies or car repairs?

It ultimately depends on the lender and the terms of their urgent cash loans.

At Fundo, we believe in supporting you when you need it most. Our loans, which are different from payday loans, can be used for these purposes. Plus, we have flexible repayment terms as well, so you can easily manage your finances.

Can I use a payday loan for debt consolidation?

This, too, will depend on the lender and the specific payday loan. But why risk applying for lenders who promise ‘fast payday advance loans’ when you can choose Fundo instead?

Our loans can be a game-changer in managing your debts. We offer quick loans you can use for debt consolidation, helping you regain control over your financial health. There’s no need to look for the easiest place to get a payday loan when there’s Fundo, your reliable partner in financial wellness.

Frequently Asked Questions (FAQ)

Are there any hidden fees in urgent payday loans?

Confused about hidden fees in urgent payday loans online? That largely depends on the lender. At Fundo, we stand for transparency and trust. While we don’t provide payday loans, all our fees are disclosed upfront, adhering to industry standards and ensuring our loans come with zero surprises.

Can I apply for an urgent payday loan with a poor credit score?

We understand you might be worried about applying for an online payday loan with a less-than-stellar credit score. It’s worth noting that the approval process may differ from lender to lender.

But with Fundo, we uphold responsible lending. That means we may check your credit score. But rest assured that it only plays a small part in our decision-making process because we focus more on your present ability to manage repayments. So, ditch the search for urgent payday loans and let Fundo guide you towards your financial aspirations.

Can Fundo Loans help me increase my credit score?

Absolutely! Our loans can assist in bolstering your credit status when managed well.

We also offer the unique Fundo Credit Score, which is different from the credit scores you get from credit reporting bodies and is designed to promote healthy borrowing habits.

Referring friends and making timely payments can all positively affect your Fundo Credit Score. This can even increase your chances of approval and you’re likely to enjoy more favourable terms with your future Fundo Loans.

Fundo: your no-fuss online loan expert

Fundo thrives on making your life simpler. While other lenders are offering urgent payday loans, we provide you with an alternative online destination for quick, fuss-free loans, even with not-so-perfect credit scores.

Plus, there are no hidden fees or charges here. Our user-friendly platform ensures straightforward transactions without complicated legal jargon. In short, Fundo is committed to cutting through the noise and delivering easy and speedy online loans for all Australians.

Apply for a Fundo loan today!

Disclaimer: Please note that we do not offer urgent payday loans. At Fundo, we provide personal loans and may be able to help you, like the thousands of Australians we have already helped.

Unless otherwise specified, the opinions expressed in this article are strictly for general informational purposes only and should not be taken as financial advice or recommendations. Any views are subject to change without notice at any time.