$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.

Many individuals have credit scores that fall below the ideal range and therefore have limited options for obtaining traditional forms of financing. A low credit score can make it challenging to secure a loan, which is why some people may search for alternative options such as ‘bad credit fast loans’ or ‘bad credit cash loans online’.

At Fundo, we are responsible lenders, which is why we still conduct credit checks on all our borrowers, but these checks play a small role in our approval process. What matters to us is that you can demonstrate an ability to repay your loans on time.

We understand that life happens and that sometimes you need a little extra help, so we make it easy for you to apply for loans, regardless of your credit score. 

How does a bad credit score affect my loan applications?

A bad credit score can make it more difficult to get approved for a loan in Australia. Lenders consider credit scores to be an indicator of a borrower’s creditworthiness, and a low credit score can signal to lenders that you are a higher-risk borrower. 

As a result, people end up looking up terms like ‘bad credit fast loans’ and ‘fast cash loans for bad credit’ online, as traditional lenders may be less likely to approve your loan application or may offer you a loan with less favourable terms, such as a higher interest rate.

Having a bad credit score can also limit your options for borrowing, as some lenders may not be willing to consider your loan application at all if you have a low credit score. In these cases, you may need to look for alternative sources of financing, such as a loan from an online lender like Fundo.

At Fundo, we believe that a person’s past financial circumstances should not be used against them and therefore do not consider credit scores as a primary factor in our lending decisions. Instead, we require all our borrowers to:

  • be over eighteen years old;
  • earn at least $300/week in regular income, excluding government benefits;
  • demonstrate an ability to meet repayment deadlines;
  • be an Australian citizen or resident; and
  • not place excessive financial pressure on yourself by borrowing a quick cash loan from Fundo.

If you meet all the qualifications, you can apply for a teeny, tiny loan with us for up to $2,000. To apply, visit our homepage, click on ‘Apply Now’, and follow the prompts.

If you get your loans approved, we’ll send you an agreement and aim to have the funds in your account as soon as possible, often on the same day, so you no longer have to spend hours looking up ‘bad credit fast loans’ and ‘bad credit quick loans’ online. 

You’ll have up to 180 days to repay your loan. If any issues should arise, just let us know at least forty-eight hours before your small fast loan payment schedule so we can try and make necessary adjustments.

What factors can affect my credit score?

Your credit score in Australia can be affected by several factors, including your payment history, credit utilisation, credit history length, credit mix, and new credit. Payment history includes missing or late payments on credit accounts, while credit utilisation refers to using a high percentage of available credit, which may indicate financial overextension to lenders. 

A longer credit history demonstrates responsible credit management to lenders, while a diverse mix of credit types can be beneficial for your credit score. 

Applying for too much new credit in a short period of time may indicate to lenders that you are taking on more debt than you can handle, which can negatively impact your credit score and be one of the reasons you’re out here looking up ‘bad credit fast loans’ or ‘bad credit cash loans’ online. 

At Fundo, we have our own credit score system – the Fundo Credit Score. The higher your score, the higher your chances of being approved for a cash loan. You get rewards for paying your loans on time, sharing feedback, and referring friends to Fundo. As your score improves, you may also receive discounts or benefits.

What is the quickest way to fix my bad credit score?

When looking up ‘bad credit fast loans’ or ‘easy cash loans bad credit’, keep in mind there is no quick fix for a bad credit score in Australia. Credit scores are based on your credit history, and improving your credit score requires demonstrating a track record of managing credit responsibly over time.

Here are a few steps you can take to improve your credit score:

  1. Pay your bills on time. Payment history is a major factor in credit scores, so it’s important to pay your bills on time to demonstrate to lenders that you are a reliable borrower.
  2. Reduce your credit utilisation. Using a high percentage of your available credit can hurt your credit score, so try to keep your balances low and aim to use no more than 30% of your available credit.
  3. Don't apply for too much new credit. Every time you apply for new credit, it can have a negative impact on your credit score, as it may indicate to lenders that you are taking on more debt than you can handle.
  4. Dispute errors on your credit report. If you find errors on your credit report, you can dispute them with the credit bureau and have them corrected. This can help improve your credit score if the errors are negatively impacting your score.

It’s important to keep in mind that improving your credit score takes time and patience. It may not happen overnight, but by taking steps to manage your credit responsibly, you can work towards improving your credit score over time and no longer have to look up terms like ‘bad credit fast loans’ or ‘small loans for bad credit online’.

Get hassle-free loans with Fundo.

If you’re out online looking up terms like ‘bad credit fast loans’ or ‘small quick loans bad credit’ as your credit score is preventing you from borrowing money for a home loan, car loan, personal loan, or business loan, Fundo can help as we open up our loan application to borrowers of all credit scores.

A Fundo instant cash loan online is made possible by advanced loan scoring technology and an easy online application process. 

Whenever you have questions about our quick loans online in Australia, we are happy to help. Use our online chat feature, send us an email, or call us!

Apply for a loan with us today!

Disclaimer: Articles in this series are only intended for general informational and entertainment purposes unless otherwise specified. Opinions expressed should not be taken as financial advice or recommendation. It is possible for commentaries to change without notice at any time.