$300 - $2000
Pay over minimum of 61 days to the maximum of 180 days
20% upfront
establishment fee 4% monthly fee
between $300 - $2000
Pay over minimum of 61 days
to the maximum of 180 days
20% upfront establishment
fee 4% monthly fee


Loan Amount of $1,000 over minimum of 61 to the maximum of 180 days repayable weekly (20 weekly repayments). $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 instalments of $70.00.

Under the current legislation, most small personal loan providers don’t charge an annual interest rate (you’ll know this as an APR %). The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on loans between $300 and $2000 is 199.43%. This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

What is a Short Term Loan?

payment scheme

Usually, short term loans are challenging to secure. You are usually faced with mountains of paperwork, long waiting times, and even in-person interviews with financial managers.

All these factors affect the approval of your loan, and it isn’t even guaranteed! You can end up waiting in line all day and still not get the loan you really need.

Well, those days are long gone. Need cash today? Fundo offers you an easy, fast, and smart way to borrow money short term.

How to Apply
for a Short Term Loan

We’ve perfected lending. Easy online
application in minutes without stress.
Straightforward and transparent.

Short Term Loan
  • You need to meet our minimum requirements.
  • You must be at least 18 years old.
  • You must provide proof of regular income of at least $300 per week.
  • Your regular income must come from a part time or full time job.
  • Government benefits such as Centrelink are cool too. Your income cannot be from Centrelink or pension only.
Information Needed
for Application
  • We pride ourselves with our quick, short-term loan approval process. But you have to help us out mate! Be sure to include the details below to help us speed up your loaning experience with Fundo.
    • Details of your regular income.
    • Details of your government benefits.
    • Personal Identification (Australian Drivers Licence, Proof of Age Card, Passport).
    • Bank account details including your Bank, Account Name, BSB, and Account Number.

Transparent and Flexible
Short Term Loan Repayments

Getting a Fundo short term loan approved is easy. But guess what? So is settling your repayment options!

The costs of your loan are laid out to your upfront. No hidden charges or mumbo jumbo! Fundo smart user interface allows you to get an instant and clear break down of all the fees involved in your short term loan, as well as the repayment details.

To top it off, you can customise your repayment schedule to fit your needs. With Fundo, you are in control!

We will also send you a friendly reminder when your payment schedule is coming up! Isn’t that great?

Fundo helps you borrow the money you need, when you need it. Payments are easy too! So what are you waiting for? Fundo it!

Easy onboarding
and gamified experience

Goodbye to Paperwork and Fax Machines. Paperwork and Fax machines are a thing of the past, so let it stay there.

To access and fill out our online application form, all you need is a mobile or desktop device, and of course, an internet connection. Everything else is made easy!

Everything you need to know
about our short-term loans

In order for your online loan application to be considered, you have to be at least 18 years old. You also need to have a regular income from a full time or part time job. This also includes government benefits and pensions. However, keep in mind that we usually don’t let your income come fully from government benefits or pensions.

Fundo is built on responsible lending. You will need to show that you can comfortably pay your repayments. We tend to disapprove loan applications if there is any risk of being placed in a financial pickle as a result of borrowing money from Fundo.

Yes! Our teams are available to assist you with concerns and approve loan applications Monday to Saturday 9am till 6pm. But our application form is 100% online and best of all, you can do it 24/7!

We are responsible lenders. We lend to people with good credit and bad credit ratings, as we focus on your ability to meet your payments, not your past financial situation. So whilst we do check your credit, it plays a small role in our decision making.

We won’t do it without your express consent, which you provide to us when you apply for a Fundo Loan.

If everything goes well, and you submitted your application within business hours, chances are you can get your cash on the same day! However, delays do happen and if your application barely makes it in time for approval within business hours, considering banking processing delays, you may get your hands on your loan the next day instead.

At Fundo, we look beyond your past credit history. We take into account your unique financial circumstances and your ability to repay your no credit check loan. Our application process is no-fuss, and we offer quick approvals and funding. What’s more, everything can be done from the comfort of your home.

We offer no check loans, short term loans, same day loans and fast cash loans on amounts of up to $2000. With Fundo, you can enjoy flexible repayments, with up to 180 days to repay and no hidden fees or charges.

As responsible lenders, we look at several factors when assessing your online loan for approval. As long as you meet our minimum requirements, we’re usually able to give you an answer the same day.

Our online application form is available 24/7 and is simple to use. At Fundo, we pride ourselves on our quick approval process — if you meet our no credit check loan requirements, we’re often able to give you approval (and cash) on the same day.

Easy! Call us on (02) 9066 9660, send us an email at [email protected] or chat with us online. We’ll be happy to answer any queries you may have about our no credit check loans in Australia.

More About Fundo

At Fundo, we know that you’re more than your credit score. Unlike some traditional lenders, we don’t automatically assume that a not-so-great credit rating equals a high-risk borrower! We look at your unique circumstances and consider your ability to repay your loan before we make a decision. What’s more, approved applicants usually receive their funds on the same day. Looking for a quick loan with no credit check? Fundo it!

Applying for a small loan with no credit check has never been quicker or easier. As long as you meet our minimum requirements, including being 18 or over with regular employment income, and you’re able to provide us with the info we need, you can apply for an online loan with no credit check with Fundo. Simply head to our online form to apply for a fast cash loan of up to $2000. We approve loan applications Mondays to Saturdays, and our online form is available 24/7.

At Fundo, we understand that individual circumstances matter, and we’ll do our best to tailor a payment plan to suit yours. We offer flexible payment schemes with our no credit check loans, giving you the option to repay in instalments over 61-180 days. Need a fast cash loan with no credit check and flexible repayments? Look no further than Fundo.

As responsible lenders, we look at many factors when assessing your loan application — not just your credit history. We take into account your current income, and your ability to meet your loan repayments. If you do happen to have a bad credit mark, we look at the timing and reason for this. We understand that your past financial situation does not always define your current position. Are you after a no check loan with a bad credit history? Try Fundo!

A bad credit rating is not the end of the world, and a bad mark shouldn’t prevent you from getting a short term cash loan when you need it. However, there are some ways you can prevent a not-so-great score. The most obvious thing you can do is to make loan or other financial repayments on time, as late payments can cause a default to be placed on your file. At Fundo, we even reward early and on-time loan repayments with our unique scoring system.

If you’re after a small loan with no credit check in Australia, then look no further than Fundo. We’re not like the big banks. With Fundo there’s no jargon, no confusion, and no complications. We understand that you’re more than your past credit history, and we know that tough times can hit the best of us. We’re here to listen to you. Get access to easy loans with no credit checks, the Fundo way. Apply online today!