$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.

When people need funds fast, bad credit cash loans are a commonly sought-after solution to getting out of a financial pinch. Common reasons for interest in fast bad credit cash loans and low interest payday loans are to cover the cost of unexpected expenses, pay off debts, and manage emergencies.  

For instance, if you are in need of funds to cover the costs associated with care damage but have a poor credit history, no matter how many times you search for ‘need money now Australia’, you may find it difficult to obtain financing from banks and other traditional lenders.

If you’re looking for fast bad credit cash loans, the team at Fundo is here to help. We offer small, short-term loans to Australians that are in need of quick cash. We understand that unexpected expenses can happen at any time, and we want to be there for everyone who needs help with these situations.  That’s why our loans come with flexible terms and no collateral requirement.

Is it possible to get a bad credit cash loan with a low income?

Although it is not impossible to get fast bad credit cash loans with a low income, it can be rather difficult to do so. Lenders often take into account both credit score and income when assessing a loan application, so having a lower income may limit your borrowing options. 

Some lenders may not be willing to offer you a loan if your credit score is too low, or they may require a larger down payment or a higher interest rate due to the perceived increased risk of default. Additionally, some lenders may have maximum debt-to-income ratios or other requirements that could make it difficult to get approved for a loan if you have less-than-stellar credit.

Unlike most traditional lenders, Fundo doesn’t consider your credit score the be-all and end-all of your eligibility for a personal loan, which is great for anyone in search of ‘fast bad credit cash loans’. Instead, we take a holistic look at the details of your financial situation to determine your ability to repay your quick small loan on time and in full.

We even have a unique and fun rewards system in the form of our Fundo Credit Score. This score takes into account your complete time spent with Fundo and is unaffected by your credit score with any of the credit bureaus in the country. 

Making on-time payments, leaving reviews, and referring friends to Fundo will all be rewarded with points. Bonus points are even awarded if your friend is also approved for a loan. The higher your Fundo Credit Score, the higher your chances are of getting approved for your next loan.

What do lenders look at in an emergency loan application?

If you are interested in ‘fast bad credit cash loans’, take note that when applying for an emergency loan, lenders typically take a few key factors into consideration. First, they’ll want to know the purpose of the loan and how you plan to use the funds. They’ll also take a look at your credit score to assess whether you’re a reliable borrower. 

Your income and other existing debts will also be important factors in determining if you’re eligible for the loan and how much you can borrow. Additionally, they’ll want to know how quickly you can repay the loan and what type of collateral you can provide. Finally, they’ll likely evaluate your character and ability to make regular payments. 

At Fundo, we have simple and minimal requirements for eligibility. You can apply for Fundo’s quick loans online if you:

  • are at least 18 years old;
  • belong to Australia's tax-paying population; 
  • earn a stable income of $300 or more per week, excluding government assistance;
  • must be able to show that you can pay back the loan on time; and
  • must ensure you’re not putting yourself in an unfavourable financial position by taking out a loan from Fundo.

Do online loan applications require a phone interview?

This depends on your lender. Some online loan applications still require a phone interview to verify your information and ensure that the borrower is able to make repayments. This step can be time-consuming and frustrating. Plus, you would have to prepare yourself for any questions that may come up during the interview. If you want to save time on something like this, consider applying for a loan at Fundo. We don’t require it with our streamlined online process. 

Our goal is to make your borrowing experience as efficient and stress-free as possible. The online application process is secure and simple, with no hidden fees or paperwork. We prioritise transparency and ensure our borrowers are able to make an informed decision about their loan upfront without waiting on hold for hours on end. 

Fundo is an advocate for promoting financial wellness for all our borrowers. We have an amazing self-service interactive dashboard that you can use to track your Fundo Credit Score, make and reschedule repayments, and receive our top tips to help educate you on improving your financial health with articles related to ‘money on the spot loans’ and ‘fast approval cash loan’.

There’s no need to keep searching for ‘fast bad credit cash loans’ when you have Fundo. Apply for a small loan today with us! 

Disclaimer: The opinions expressed in this article are solely for informational and entertainment purposes and should not be construed as financial advice. It is possible for commentary views to change without notice at any time.