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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Are you looking to apply for a loan with bad credit? Many turn to traditional banks and lenders, but navigating their stringent requirements and lengthy processes can be challenging. At Fundo, we understand that life can get unpredictable, and sometimes you need quick funding for unplanned expenses.
With Fundo, the process is straightforward and convenient. We offer short-term loans designed to help those with less-than-perfect credit get back on their feet. Our technology-driven approach means you can receive an outcome quicker than ever, often on the same day! No more waiting in queues or concerning yourself with when banks open—apply for your loan at any time, from anywhere in Australia.
After you decide to apply for a loan with bad credit, you'll want to explore your options! At Fundo, we provide multiple small loan products tailored for your unique needs. These loans can easily cover expenses like emergencies and home renovations. Choose a loan suitable for you, repay it within up to 180 days for a MACC loan, and even pay it off early to avoid any monthly fees!
Wondering about eligibility? It's quite simple! To apply for a loan with bad credit, you need to:
Applying is easy! Just fill out our online application form with your personal and financial details, including the loan amount you'd like and your preferred repayment terms. If you submit your application during business hours and everything is in order, you could see funds hit your account based on terms and conditions and your specific loan type!
Ready to take control of your unexpected expenses? Don't let bad credit hold you back. Apply for a loan with Fundo today and see how we can assist you in achieving your financial goals while making the process smooth and hassle-free!
Need to learn more about maintaining your financial health? Check out our Fundo Customer Score system, designed to help you improve your creditworthiness for future loans.




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.
Bank logos and trade marks are property of their respective owners and are used for identification purposes only.
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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