Bad Credit Australian Loans
Same day funds up to $5,000
Same day funds up to $5,000
Finder
We approved 320+ loans in the last 24 hours!
Facing an unexpected cost like a medical bill or a necessary car repair can be stressful. Maybe it's time for home improvements, like enhancing your living space with new flooring or a fresh coat of paint. Whatever your urgent financial needs, there are many compelling reasons to look at funding solutions. Traditional lenders often impose strict criteria and lengthy processes, which is why many Australians consider options like bad credit Australian loans. With Fundo, you no longer have to navigate endless online searches for loans. Our simple and fast short-term loans are available from the comfort of your home, making it accessible for Australians, even those with a less-than-stellar credit history.
At Fundo, we believe that getting a loan shouldn't be complicated. Our technology-driven application process means you can receive an outcome in days, not weeks. Here’s how we simplify borrowing:
Our short-term loans offer broad flexibility for you to use the funds as you need. Whether you’re tackling immediate repairs or managing a one-off expense, we've got you covered. Note that we don’t offer loans for debt consolidation purposes.
Fundo prioritises your journey to financial wellness. If you repay your loans earlier than planned, you may have a higher chance of securing better rates in the future. Plus, you can track your progress easily with our self-service dashboard, offering:
If you’ve been searching for terms like bad credit guaranteed loans, or bad credit emergency cash, Fundo is here to help meet your borrowing needs.
Want to increase your chances of approval for a short-term loan? Understanding how to optimise your Fundo Score is key. Simply keep making timely repayments, refer friends, and share your experience with us. A better Fundo Score means more loan options and quicker processing.
To apply, you just need to meet a few simple requirements: be over 18 years of age, currently living in Australia, and earning a verified income of at least $1,000 a fortnight (including government benefits). Our streamlined process ensures that eligible applications can be processed within the same day. For returning customers, reapplying can be as easy as three clicks!
If you’ve been exploring options for terms like instant decision payday loans or quick cash solutions, look no further than Fundo. Take the first step toward securing your loan today!
Safe
and Secure. 5 min
application²
Kim S.
Ellie P.
Robert D.
Safe
and Secure. 5 min
application²
Safe
and Secure. 5 min
application²
Loan amount from $500 to $2,000
Minimum 5 weeks to maximum 6
months
20% establishment fee and a flat
4% monthly fee4
Loan amount from $2,001 to $5,000
Minimum 9 weeks to maximum 2 years
$400 establishment fee, interest at
47.80% p.a. (comparison rate 66.58% p.a.)5
4 Fees are based on loan principal advanced.
5 Comparison rate is based on an unsecured loan of $2,500 over a term of 2 years.
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.
6 The example assumes timely repayment as per the loan agreement, or additional fees and charges may apply.
Safe
and Secure. 5 min
application²Terms and conditions and fees and charges apply. Approval and loan amount are subject to our credit assessment criteria.
¹As soon as you sign your contract, we instantly send the funds to your nominated bank account. If your bank works with the New Payments Platform (NPP), most customers see funds in their account within 60 seconds. If your bank is not NPP enabled, or its a public holiday, the funds are usually received by the next business day
²Applying for a loan with Fundo usually takes about 5 minutes. However, this time can change based on a few things, such as your typing speed, the device you're using, and whether you have all the necessary information ready to go.
³As the approval process is influenced by various external factors, we can't guarantee that you'll receive a decision on the same day. However, most of our customers do receive a same-day response to their application with Fundo, if they submit their loan application and all the requested supporting information by 4pm Sydney time during a regular business day.
Fundo is an Australian direct lender that offers short-term, small loans without any legal jargon or red tape. Our online loans are designed to provide access to a broad range of qualified applicants, including those with less-than-perfect credit.
Finding small loans with flexible repayment terms is now a reality with Fundo - no need to keep searching for 'Debt Consolidation Loans Bad Credit', 'Personal Loan With Fast Approval', or '24 Hours Cash Loans'. Applying for Fundo loans in the future gets more engaging when you pay off your loans in advance penalty-free while also increasing your chances for approval.
Fundo believes that eligible applicants should be able to get closer to the loans they need. If you've been looking for small cash loans through search terms like 'Instant Approval Loans Need Cash Today', 'Payday Loans No Credit Check', or 'Savvy Loans', then you can stop looking now - let us show you how easy it is to apply for a loan with Fundo.
We typically respond within 2 min or sooner.
I'd like to borrow ($500 - $5000)
