Cash Smart Loan

Same day funds up to $5,000¹

I want to borrow ($500 - $5,000*)

Select loan amount from range

Apply Now

Safe and Secure. Complete app in minutes²

4.8/5

16,000+

4.7/5

5,000+

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Cash Smart Loan

We all face those unexpected moments when we could use a financial boost. Whether it’s an urgent repair for your home, a last-minute holiday expense, or simply a little extra cushion, a cash smart loan can be a perfect solution. If you've been searching for options and found yourself puzzled by terms like 'Cash Online Loan App', let us introduce you to Fundo! We're an Australian-owned lender offering short-term loans that fit your needs. With us, a less-than-perfect credit history won’t necessarily hold you back. Plus, we pride ourselves on our speedy application process and flexible repayment plans, ensuring there are no hidden fees lurking in the fine print.

Why Choose a Cash Smart Loan with Fundo?

⚡ Fast Processing: Get a response on your application quickly, letting you tackle that urgent expense without the wait.
🛠️ Flexible Terms: Choose repayment periods that suit your budget—up to 180 days for a MACC loan.
📱 100% Online Experience: Apply anytime, anywhere with our simple online application—no fuss, just straightforward lending.
🔍 Clarity and Transparency: We ensure you understand all aspects of your loan with clear language and simple terms.
✅ Easy Application: Our user-friendly online form takes only minutes to complete.

With Fundo, accessing a cash smart loan tailored to your financial responsibilities is easy! Our loans can serve a wide range of purposes without the stress. Need quick cash for an immediate home repair? Check out our home renovation loans. If you’re facing an unexpected bill, our emergency loans are designed for those urgent one-off expenses. Plus, with our cash smart loan, you have a reliable option at your fingertips that’s more than just a loan. You’re investing in your financial health!

Applying for Your Cash Smart Loan

Getting started is simple! From the comfort of your home, you can fill in an online application form that asks for a few key details about the amount you wish to borrow, your personal information, and earnings. Fundo is here to support you, and our eligibility criteria are straightforward:

🗓️ You must be over 18 years of age
🇦🇺 Currently living in Australia
💵 Verified income of at least $1,000 per fortnight (including government benefits)
💳 Ability to manage repayments without financial strain

Once you've applied, if approved, you could receive your funds within 60 seconds of contract acceptance. It's that straightforward! And don't forget to check your Fundo Customer Score, our unique credit scoring system designed for you to get rewarded for good financial behaviour. Keep your loans to a minimum, make timely payments, and you’ll improve your score in no time!

Stop searching for 'instant cash loans' or 'last-minute loans'. Choose Fundo today, and let’s turn your financial needs into a reality with a cash smart loan. Apply now!

Apply, get approved,
and funded as quick as the same day¹

Complete
your application
in minutes²

Loan decisions
made fast, as quick
as the day you apply³

Funds in as little as 60
secs from contract
acceptance¹

Over $200 million
in loans already
funded

Apply Now

Safe and Secure. Complete app in minutes²

See what our customers say

Kim S

Fast, reliable, easy to use, reasonable. Helped me out with medical and vet bills. Been a life saver.

Ellie P

Very easy to apply and money was transferred within the hour.

Rachel C

Their website is very user friendly, application process is straightforward and re-apply is very quick.

Robert D

Application took 5 minutes max. Being a repeat customer makes it super simple.

Chloe Grice

Easiest, cleanest, simplest app or platform I’ve found.

Terrie Coggins

Fundo loans are amazing. The dashboard is easy to use and the staff at Fundo loans are always kind, friendly and helpful

Apply Now

Safe and Secure. Complete app in minutes²

Fundo loan example

Borrow between
$500 to $5,000

Flexible
payment terms

No hidden fees
Payout early and save on monthly fees

Funds in as little as 60 secs from contract acceptance¹

Small loan

Loan amount from $500 to $2,000
Minimum 5 weeks to maximum 9 months
20% establishment fee and a flat
4% monthly fee⁴

Example⁶

RepaymentsWeekly

Term20 weeks

Loan Amount$1,000

Establishment fee$200

Total monthly fee
(over 20 weeks)$200

Total repayable$1,400

Weekly repayment$70.00

Medium loan

Loan amount from $2,001 to $5,000
Minimum 9 weeks to maximum 9 months
$400 establishment fee, interest at
47.80% p.a. (comparison rate 63.29% p.a.)⁵

Example⁶

RepaymentsFortnightly

Term6 months

Loan Amount$2,500

Establishment fee$400

Total interest
(over 6 months)$389

Total repayable$3,289

Fortnightly repayment$253.09

¹ Funds may be received in as little as 60 seconds from contract acceptance if your bank supports NPP. Timing is not guaranteed.

⁴ Fees are based on loan principal advanced.

⁵ Comparison rate is based on an unsecured loan of $2,500 over a term of 2 years with a fortnightly repayment frequency.

WARNING: 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.

⁶ The example assumes timely repayment as per the loan agreement, or additional fees and charges may apply.

Apply Now

Safe and Secure. Complete app in minutes²

Important Information

*Terms and conditions, fees and charges apply. Max loan amount of $5,000 includes fees and charges. Approval and loan amount are subject to our credit assessment criteria.

¹Funds may be received in as little as 60 seconds from contract acceptance if your bank supports NPP. If your bank is not NPP enabled, or if it is a public holiday, funds are usually received by the next business day. Timing is not guaranteed.

²Applying for a loan with Fundo usually takes about 5 minutes. However, this time can change based on a few things, such as your typing speed, the device you're using, and whether you have all the necessary information ready to go.

³As the approval process is influenced by various external factors, we can’t guarantee that you’ll receive a decision on the same day. However, most customers who submit their loan application and all requested supporting information by 4pm Sydney time on a regular business day receive a same-day response. Applications submitted after this time or on weekends/public holidays may be processed the next business day.

Fundo is an Australian direct lender that offers short-term, small loans without any legal jargon or red tape. Our online loans are designed to provide access to a broad range of qualified applicants, including those with less-than-perfect credit.

Finding small loans with flexible repayment terms is now a reality with Fundo - no need to keep searching for 'Debt Consolidation Loans Bad Credit', 'Personal Loan With Fast Approval', or '24 Hours Cash Loans'. Paying off Fundo loans early, penalty-free, may help improve your chances for future approval.

Fundo believes that eligible applicants should be able to get closer to the loans they need. If you've been looking for small cash loans through search terms like 'Instant Approval Loans Need Cash Today', 'Personal Loans', then you can stop looking now - let us show you how easy it is to apply for a loan with Fundo.

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Cash Smart Loan

Cash Smart Loan

Why Choose a Cash Smart Loan with Fundo?

Applying for Your Cash Smart Loan

Apply, get approved, and funded as quick as the same day¹

See what our customers say

Fundo loan example

Small loan

Medium loan

Important Information

Need more help?

Apply, get approved,
and funded as quick as the same day¹