$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.

Finding ‘cash loans bad credit’ and other loan options when you have less-than-ideal credit can be challenging. Traditional lending companies may not always offer loans to those with bad credit ratings. There’s no shortage of top lenders online, but they typically require applicants with a decent credit rating. 

Fundo is an alternative lending company that cares about your circumstances and wants to help you in your time of need. We offer fast and easy loans from borrowers of different financial backgrounds, so apply now!

Why is my credit score important? 

Your credit score is vital for both you and your potential lenders, as it indicates your creditworthiness as a borrower. Your credit score influences the types of credit available to you, the approval of any form of credit (like loan applications), and how much interest you must pay. For traditional lenders, it is often the main factor determining whether you get approved for loans like small bank loans or dental loans

For example, when your credit score is high, you are more likely to get approved for the loans you apply for. Moreover, with a stellar credit score and history, you are more likely to receive more considerate interest rates. Conversely, if you have a not-so-ideal credit score, you are less likely to be approved for loans and may receive high interest rates. 

Finding loans and getting approved for them can be challenging when you’re trying to build up your credit score. You could search terms related to ‘cash loans bad credit’ to find bad credit loans, or you could choose a lender like Fundo that still provides convenient approvals.

At Fundo, we understand that poor credit does not automatically mean you cannot repay a loan. We don’t automatically reject applications without consideration. Your credit score plays a minor role in our decision-making process as we look at other factors in your loan application, such as your current income and ability to pay.

We provide a range of short term loans that can help with your financial gap and help you rebuild your credit score. We also want to help you improve your financial wellness so that you don’t have to settle for ‘cash loans bad credit’. 

Our online application form is available 24/7, so you can apply wherever and whenever you like. The first step is to enter the amount of money you wish to borrow. The next step is to fill out a general information sheet. When you apply for a Fundo loan online, you can complete the application in just a few minutes!

How do online bad credit cash loans work?

Applying for ‘cash loans bad credit’ and similar loans online is generally easier than applying through traditional lenders. However, bad credit loans may have shorter terms, high fees and interest rates, or collateral requirements. 

Instead of settling for bad credit cash loans, Fundo may have the solution for you. You will be asked to provide general information to qualify for a Fundo loan. To be eligible for a loan, you must:

  • be at least eighteen years of age;
  • be a permanent resident or citizen of Australia;
  • provide proof of income of at least $300/week, not including government benefits;
  • demonstrate the ability to make repayments; and
  • not be in financial trouble when applying for a Fundo loan. 

You can increase your likelihood of being approved for a Fundo loan if your Fundo Credit Score is high.

The Fundo Credit Score is what sets us apart from other alternative lenders. It is our unique credit scoring system that helps you develop financial literacy in a fun and engaging way and motivates you to make good financial decisions.

If you repay a loan on time or early, recommend our service to a friend, or leave a review, you can increase your Fundo Credit Score. You can increase your Fundo Credit Score if you use Fundo as your primary lender. On the other hand, payment methods that fail or repayment schedules that are not honoured can reduce your score. 

If you’re looking for ‘cash loans bad credit’ or ‘quick cash loans’, talk to us at Fundo instead. We can help you find loans that suit your financial needs right now. 

Do I need to pay more for a bad credit loan?

Typically, you need to pay more for a bad credit loan, as it assures the lender they will not lose out by offering you ‘cash loans bad credit’ and other similar poor credit loan options. Some alternative lenders may even include extra fees in your loan details or ask for collateral if you miss repayment or default on your loan.

At Fundo, we care about your financial well-being, and we want to ensure that you aren’t putting yourself in financial trouble when you apply for a Fundo loan. For that reason, we provide all your loan details, including a breakdown of your repayment fees and schedules upfront before you receive your loan. 

Moreover, you receive access to our interactive self-service dashboard, where you can receive financial wellness tips and advice and track your Fundo Credit Score. 

No matter what you need, whether it’s last minute loans or emergency loans, Fundo can assist you. You can reach us by phone or email from 9.00 a.m. to 6.00 p.m., Mondays through Fridays, and from 9.00 a.m. to 5.00 p.m. on Saturdays. 

Instead of looking for ‘cash loans bad credit’, learn more about how Fundo can help you today.

Apply for a Fundo loan today!

Disclaimer: We do not offer any financial advice or make financial recommendations in this article. It is solely intended to inform and entertain. Please note that we reserve the right to change our views or information at any time.