Instant Payment Loans

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

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16,000+

4.7/5

5,000+

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Instant Payment Loans

What Are Instant Payment Loans and How Can Fundo Help You?

We all encounter moments when quick funding is essential. Whether it’s fixing a leaking tap or handling an unexpected bill, instant access to funds can be a lifesaver. If you've been actively looking up 'Instant Payment Loans', look no further—Fundo is here to make that process hassle-free. As an Australian-owned and managed private lender, we provide short-term loans tailored for your needs. Our goal is to make loans accessible for everyone, including those who might find it difficult to secure funding elsewhere.

Why Choose Fundo for Instant Payment Loans?

When you opt for an instant payment loan with Fundo, you can say goodbye to complicated terms and hidden fees. Here’s what sets us apart:

⚡ Speedy Approval: Our application process is straightforward, and once approved, funds can be in your account within 60 seconds from contract acceptance!
💰 Flexible Repayment: Take up to 180 days to pay off your loan—no monthly fees mean you can pay it off whenever you're ready.
🔒 Clear Communication: We ensure all loan terms are laid out clearly so you know exactly what you’re signing up for.
📑 No Complex Paperwork: Complete your application easily online without drowning in paperwork.
🤝 Supportive Service: Our friendly team is here to help you find the right solution to meet your financial needs.

Your Path to an Instant Payment Loan

If you're in need of quick cash for pressing expenses, Fundo can guide you towards a suitable solution. We understand that financial challenges can arise unexpectedly, and that’s where our emergency loans come in handy. Plus, if you’re looking to enhance your living space, our home renovation loans can support your creative improvement projects. However, we ask you to note that while Fundo offers quick access to funds, we don’t provide loans for consolidating existing debts.

Ready to Apply?

Applying for an instant payment loan with Fundo is quick and seamless. To qualify, ensure you meet the following criteria:

✅ Over 18 years of age
🏡 Currently residing in Australia
💼 Verified income of at least $1,000 per fortnight (including government benefits)
🤔 Ability to make repayments without worsening your financial position

If you meet these requirements, you can easily fill out our online form. As an existing borrower, you can reapply in just three clicks! We aim to approve applications swiftly, potentially releasing your funds on the same day when submitted during business hours.

Make the Most of Your Fundo Customer Score!

Want to increase your chances of securing an instant payment loan? Pay attention to your Fundo Customer Score. A high score not only improves your chances of approval but also opens doors to discounts and exclusive offers. You can enhance your Fundo Customer Score by:

✅ Paying off loans on time
📣 Referring friends to Fundo
📝 Providing feedback on your experience

Stop searching for 'instant payment loans' elsewhere—take the leap and apply for a Fundo loan today!

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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Instant Payment Loans

Instant Payment Loans

What Are Instant Payment Loans and How Can Fundo Help You?

Why Choose Fundo for Instant Payment Loans?

Your Path to an Instant Payment Loan

Ready to Apply?

Make the Most of Your Fundo Customer Score!

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