All instant approval loans in Australia come with fixed, capped fees. All loans come with establishment fees of $400.  For example, if you wanted to borrow $1,000, the maximum establishment fee would be $200.  If the loan is over $2,000, though, the establishment fee is capped at $400.
Monthly fees are also charged on these loans.  These are capped at 48% of the loan over the space of a year.