$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.

You can sometimes find yourself with unexpected emergency expenses that you can’t cover. You know that you have to find a loan to bridge the gap in your budget, but you are limited by your not-so-stellar credit score. Before you search for solutions related to ‘fast cash loans bad credit’ online, find out how Fundo can help you instead.

At Fundo, we understand that everyone can have complex financial situations, so we’re here to help. You always get more from your Fundo loan, whether it’s a short-term personal loan or information about how to stay financially healthy. 

Learn more about ‘fast cash loans bad credit’ concerns and their alternatives. 

Is there a limit to what loan I can get if I have bad credit?

Depending on the lender that you approach, the types of loans you can apply for with not-so-great credit can vary. For traditional lenders, the types of loans you can access are limited if you have less-than-ideal credit. In general, non-traditional lenders may be more lenient and offer more loan options to people with poor credit. 

While we conduct credit checks at Fundo, we understand that you may have a complex financial situation that could explain your not-so-ideal credit score. We consider other factors when reviewing your application, such as your current ability to pay back the loan.

We know that you need money right away if you’re searching for ‘fast cash loans bad credit’ or ‘fast small loans’ online, so we have a straightforward and convenient loan application process. To qualify for a Fundo loan, you must:

  • be at least eighteen years old;
  • be a citizen or permanent resident of Australia;
  • earn at least $300/week, not including government benefits; 
  • demonstrate an ability to meet repayment deadlines; and
  • ensure you’re not putting yourself at financial risk when taking out a Fundo loan.

You don’t have to settle for searching ‘fast cash loans bad credit’ online anymore whenever you have a sudden cash gap. At Fundo, our simple application process ensures that you can get closer to the loan that fits your financial situation. If you have questions about the process, contact us and help us understand how we can help you. 

Can I negotiate the terms of my bad credit cash loan?

Depending on the lender, you may or may not negotiate the terms of cash loans, let alone loans relating to ‘fast cash loans bad credit’ or ‘cash loans no credit check’. It may be more difficult to negotiate the terms of a cash loan if you have less-than-ideal credit. 

At Fundo, you can apply for a loan of up to $2,000 and choose from flexible repayment options of up to 180 days. You can choose weekly, fortnightly, or monthly repayments. Moreover, we break down the details of your Fundo loan for you in clear, easy-to-understand language.

Our loans also come with perks unique to Fundo and are meant to help you learn about your financial health and how to improve it. You can get tips and advice through your self-service dashboard that will help you make better financial decisions and improve your financial health. 

From the same dashboard, you can also monitor your Fundo Credit Score, a unique credit score system by Fundo. We reward good financial decisions, like making payments early. Your score can also improve if you leave feedback, refer friends to Fundo, or use Fundo as your primary loan provider. The higher your Fundo Credit Score, the better the chances are that your loan will be approved. 

How can I find money lenders for bad credit loans online?

A quick internet search for ‘fast cash loans bad credit’ or ‘payday loans bad credit au’ can result in a mixed bag of possible solutions for your situation. While we can’t say what loan option or lender is best for your situation, we encourage you to choose a loan option that doesn’t put more stress on your financial situation.  

Instead of searching online for ‘fast cash loans bad credit’ or ‘last minute loans bad credit’ and settling for less-than-ideal loan terms and conditions, choose Fundo. We offer a range of short-term personal loan options related to ‘personal loans small’ and ‘easy personal loans online’ that are designed to help different individuals (not just the ones with the best credit scores) come closer to getting the financing they need.

With Fundo, it’s also possible to get approval and receive the funds the same day you submit your application if you apply during business hours. Our business hours are from 9 a.m. to 6 p.m. from Monday to Friday and from 9 a.m. to 5 p.m. on Saturdays. We are happy to assist you via phone or email if you have any questions.

If you’re looking for an online cash loan today, Fundo can help. Apply for a teeny, tiny loan now!

Disclaimer: The information in this article is for informational and entertainment purposes only and should not be taken as financial advice or recommendation unless otherwise stated. We may change the information or views we provide without prior notice.