$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 fast cash loans with bad credit is a challenging task. You could spend hours waiting in line or searching for related terms online, only to get denied by traditional lenders or find less-than-ideal loan options. 

At Fundo, we understand that people can have complex financial situations, but that doesn’t mean they shouldn’t be able to find loans to bridge sudden gaps in their budget. We provide competitive loan alternatives to fast cash loans with bad credit that get you the money you need and inform you about your financial wellness. 

How do I calculate the total cost of my bad credit loan? 

While the total cost of your fast cash loans with bad credit or any other ‘last minute loans bad credit’ options will vary depending on the lender, most lenders will present you with the total cost of your loan at some point during the application process. Some lenders also have calculators on their websites that let you figure out how much your loan will cost based on things like when you pay it back and how much you borrow. 

At Fundo, we give you a clear breakdown of your Fundo loan and don’t throw legal or technical jargon in your face. Everything about your loan, from how much it will cost to when you have to pay it back, is written in clear, concise language. 

Also, you can use our self-service dashboard to check on the details of your Fundo loan at any time. From here, you can also check your Fundo Credit Score and get tips and advice on improving your financial health. 

What happens if I experience sudden financial hardship? 

When you run into sudden financial trouble, you have to find other ways to make up the difference in your budget. While some people find it easier to obtain personal loans related to ‘loans cash now’ or ‘personal loans small’ with a good credit score, others find it difficult to obtain fast cash loans with bad credit.

At Fundo, we offer short-term loans to approved applicants, regardless of their credit history. However, when you apply for a loan through Fundo, you must demonstrate that you’re not adding financial stress to yourself by borrowing from us. In addition, we have general requirements for getting a Fundo loan:

  • You must be at least eighteen years old.
  • You must be a permanent resident or citizen of Australia.
  • You must earn at least $300 per week (excluding government benefits).
  • You must demonstrate an ability to make regular repayments on time.

We might ask you for more information or clarification if we think something is missing or wrong. At Fundo, we carefully review your loan application and won’t immediately deny it just because of your current credit.

If you’re experiencing sudden financial hardship, we understand that you need cash immediately, but there’s no need to search for ‘bad credit fast cash loans’ or ‘fast cash loans with bad credit’ online. 

Applicants can submit their Fundo loan applications online, anywhere, anytime, and 24/7. When you visit our website, you will be asked to fill out a general information form and enter your desired loan amount. Returning borrowers can apply online in just three clicks for a new loan.

Will there be expensive fines if I miss a payment?

Whether you’re looking for fast cash loans with bad credit, easy personal loans online, or payday loans online, some lenders will charge you an extra fee or a fine if you miss a loan payment. Missed loan payments may also affect your credit score, which can affect your ability to make future payments and secure future loans. 

At Fundo, if you miss a payment or need to reschedule it, there may be fees and other relevant charges as per your loan contract. Late payments also influence your Fundo Credit Score. 

At Fundo, you’ll have a Fundo Credit Score based on our unique credit scoring system. It increases when you make sound financial decisions, like making payments early or on time. Your Fundo Credit Score impacts the likelihood of your next Fundo loan getting approved. Your score can also improve when you leave reviews, refer friends to Fundo, or use Fundo as your main loan provider.

You don’t have to settle for fast cash loans with bad credit or similar cash advance loan options. At Fundo, we provide small personal loans. You might want to know more about our different loan options or how our goal for our borrowers is for them to learn about money. In that case, you can contact us via phone, email, or through our live chat. 

Apply for a teeny tiny loan with Fundo right now and learn more about financial wellness and ways you can improve your financial well-being. 

Disclaimer: This article is only meant for entertainment and informational purposes. It is not intended to be financial advice. It is important to note that the views and information in this article are subject to change at any time without prior notice.