$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.

It’s not uncommon for people to search for terms like ‘fast loans bad credit’ or ‘bad credit fast loan’ online when they are in need of financial assistance and have less-than-perfect credit. When unexpected expenses arise, it can be stressful and overwhelming trying to find a solution, especially if your credit is not in the best shape. 

Online fast loans can provide a quick and convenient way to access the funds you need – particularly loans with Fundo. We offer teeny, tiny loans ranging from $500 to $2,000 to help you with sudden expenses.

What causes bad credit?

There are several reasons why someone may have bad credit in Australia. Late or missed payments, high credit card balances, defaulting on a loan, having a limited credit history, and credit report errors can all contribute to a low credit score and may be one of the reasons you’re looking up ‘fast loans bad credit’. 

To improve your credit score, it’s important to be timely with payments, manage your debt responsibly, establish a credit history, and check your credit report regularly for errors. By understanding and addressing these factors, you can work towards improving your credit score and accessing the credit you need to take out a loan.

At Fundo, we don’t think it’s fair to automatically reject applicants based on their credit history. We understand every person’s financial story is unique, and we’re more than happy to listen to your unique circumstances. Regardless of your credit score, you can easily apply for online money loans with us using our 24/7 online application. 

Just visit our homepage, click on the ‘Apply Now’ button, and follow the prompts. If you qualify, we’ll send you an agreement and transfer the funds to your bank account as soon as possible, often on the same day. We approve applications from Mondays to Saturdays, so you can stop searching for ‘fast loans bad credit’ ASAP.

Our basic criteria for all borrowers indicate that you must:

  • be 18 years of age or older;
  • have sufficient employment income;
  • be an Australian citizen or resident;
  • demonstrate the ability to meet loan repayments; and
  • not place any unnecessary strain on yourself by taking out a loan.

What type of loans can I get if I have bad credit?

If you have bad credit, it may be more difficult to qualify for traditional loans from banks or credit unions. However, there are still options available to you, including small fast loans for bad credit holders. These bad credit loans are specifically designed for borrowers with less-than-optimal credit scores.

When you decide to apply for a loan online with Fundo, there’s no need to worry much about your credit bureau score. The fact is, we look beyond your credit score since we know past financial circumstances shouldn’t hinder your chances of getting a loan with us, as long as you can show you can repay it.

To drive this point even further, we went as far as to create our own credit score called the Fundo Credit Score. By paying your personal loans online early or on time, sharing feedback, and referring friends to Fundo, you can earn points towards your Fundo credit score so you can minimise your searches for ‘fast loans bad credit’. 

The higher your Fundo credit score, the better your chances of being approved for fast quick online loans for bad credit with us, and we offer special discounts and benefits for those with improved Fundo credit scores.

You can also make use of your personalised account dashboard to earn points and easily check your Fundo Credit Score. Additionally, you can use our self-service dashboard to view and update your Fundo account, make or reschedule your loan repayments, and easily keep track of your loan information.

How long does it take for credit scores to improve?

The amount of time it takes for a credit score to improve in Australia can vary depending on the individual’s circumstances and the specific steps they are taking to improve their credit. 

If you’re searching for ‘fast loans bad credit’, you should know that some factors that can impact how long it takes for a credit score to improve include payment history, credit utilisation, credit history, and credit mix. 

It can take several months or even years to see significant improvements in your credit score, which is why it could be easier to find a lender like Fundo who doesn’t focus so much on your credit score – especially if you need your bad credit quick loans online as soon as possible and want to quit looking up ‘fast loans bad credit’.

Take advantage of our bad credit loans at Fundo

When you need cash fast and are suffering from a low credit score, the last thing you want is a complicated loan process. That’s where Fundo comes in. We offer easy small loans for bad credit in Australia, with a streamlined application and approval process. 

No need to worry about long forms, perfecting your credit score, or waiting days for answers – just a fast and convenient way to get the funds you need. 

Plus, with the chance for same-day loans, you won’t have to wait long to get the financial support you need. Trust Fundo to be your quick online loan provider.

If you have any questions about our easy fast loans, don’t hesitate to reach out to our team and ask about ‘fast loans bad credit’. We are here to help and are happy to answer any questions you may have. You can contact us by phone, email, or through our online chat function. 

Apply online with us today!