Fast, reliable, easy to use, reasonable. Helped me out with medical and vet bills. Been a life saver.
Same day funds up to $5,0001
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When life throws unexpected expenses your way, short-term loans can be a fantastic solution, especially when you’re looking to apply for a payday loan with bad credit. We know that traditional lending options can sometimes feel out of reach, particularly with mountains of paperwork and stringent checks that halt your progress. At Fundo, we believe everyone deserves a fair shot, and credit history should not be a roadblock. We pride ourselves on being an alternative lender committed to making short-term loans accessible for all Australians, including those looking to finance their needs despite previous credit challenges.
Why choose Fundo? Here’s what sets us apart:
If you’ve been looking up terms such as 'Personal Loans' or 'apply personal loan bad credit', you’ll find that Fundo offers tailored solutions for your unique financial situation. Our wide range of loan options provides the flexibility you need without compromising on convenience.
At Fundo, our eligibility criteria are straightforward—helping you to access funds quickly without the hassle. To successfully apply for a payday loan with bad credit, ensure you:
Ready to take the next step? Applying for a loan with Fundo is simple! Just fill out our online application form with your personal details. If you submit your application during business hours, you might even be eligible for same-day funding. Plus, for our returning borrowers, applying is a breeze—it can be done in just three clicks!
If you’re curious about your eligibility, check your Fundo Customer Score before applying. The higher your Fundo Customer Score, the better your chances of loan approval! And if you want to improve your Fundo Customer Score, timely repayments and spreading the word about Fundo can help too.
Don’t let past credit issues hold you back. Start your application with Fundo today and discover how easy it can be to secure the funds you need!




Fast, reliable, easy to use, reasonable. Helped me out with medical and vet bills. Been a life saver.
Very easy to apply and money was transferred within the hour.
Their website is very user friendly, application process is straightforward and re-apply is very quick.
Application took 5 minutes max. Being a repeat customer makes it super simple.
Easiest, cleanest, simplest app or platform I’ve found.
Fundo loans are amazing. The dashboard is easy to use and the staff at Fundo loans are always kind, friendly and helpful
¹Credit provided by Fundo Loans Pty Ltd ACN 604 639 143 Australian credit licence 491418 to approved applicants. Terms, conditions, fees, charges and eligibility criteria apply. Typical decision or funding time may vary depending on whether all required documents are provided before 4pm Sydney time on a business day. Same day decisions or funding are not guaranteed.
²Typical application time may vary depending on your device, information on hand and typing speed.
³Transfer times are not guaranteed, depend on if your bank is New Payments Platform (NPP) enabled and may vary on public holidays.
⁴Representative examples only, assumes timely repayment as per the loan agreement and no early repayment.
⁵Comparison rate is based on an unsecured loan of $2,500 over a term of 2 years with a fortnightly repayment frequency.
⁶Comparison rate is based on an unsecured loan of $10,000 over a term of 3 years with a monthly repayment frequency.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
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The information provided on this website is general in nature and for information only. It is not intended to be relied upon as advice. Before making a decision about any of our products, you should seek your own independent advice and refer to the terms and conditions to ensure that the product is appropriate for your particular objectives, financial situation and needs.
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