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 unexpected expenses arise, you might find yourself searching for options like bad credit finance personal Australia. Here at Fundo, we understand the urgency of needing quick cash and the frustration traditional lenders can bring with long approval times. That’s why we’ve designed our services to be straightforward and accessible for those who need short-term funding, even if you have less-than-perfect credit. Our focus is on helping you navigate financial challenges with speed and ease.
Whether you're looking for funds to handle a surprise car repair, medical bill, or any urgent financial need, Fundo is here to support you. With a range of personal loan options available, you can secure a loan without the long wait associated with many traditional financial institutions.
At Fundo, we specialise in short-term loans catering to various requirements, including:
Wherever your needs lie, Fundo has the right loan to help you manage your finances effectively.
Curious about whether you can qualify for bad credit finance? Fundo has minimal eligibility criteria:
Want to know if you qualify? Simply fill out our easy application form specifying your desired loan amount and basic personal information. If you meet our criteria, you're likely to receive approval on the same day you apply!
Your financial health matters to us! You can enhance your chances of obtaining a loan by improving your Fundo Customer Score. This score reflects your credit behaviour and influences your loan eligibility. Boost your Fundo Customer Score by:
With Fundo, your search for bad credit finance personal Australia ends here! We are dedicated to making short-term loans accessible and manageable for everyone, regardless of their credit history. Begin your journey toward financial relief today by filling out our loan application!




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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