Ready. Set. Loan.
Same day funds up to $5,000
Same day funds up to $5,000
No, we don’t require security for bad credit loan applications AU. Our focus is to make your funding experience as seamless and comfortable as possible, without the fuss of complicated processes or the strain of security.

At Fundo, we’re all about lending a hand when you need it most. We’ve designed our approval process to be hassle-free and our online loans to be accessible, even if you have a not-so-perfect credit score. We don’t believe in hidden fees or charges because we’re about fostering trust and transparency with our customers.

Our belief is simple: you need a loan quickly, and we’ve got you covered! As a private lender, we’ve made it our mission to assist a wide range of borrowers across the country.

At Fundo, we believe that everyone deserves a fair shake, even those with a not-so-great credit score. It’s all part of our commitment to providing a hassle-free funding experience for Australians.

We accept applications from individuals with less-than-stellar credit histories, but that doesn’t mean we’re lax with our responsibilities. You see, being tech-savvy and customer-focused, we still have to ensure the financial well-being of our customers. That means doing our due diligence. So, we do conduct affordability assessments to confirm that you’re in a position to comfortably manage the repayments.

Our main restrictions? Well, they’re in place for your protection. You must be over eighteen years old and have a regular income of at least $1000 per fortnight. Finally, you must not place undue financial pressure on yourself by borrowing from Fundo.

So, yes, there are a few restrictions, but they’re in place to ensure you’re getting a personal loan that’s right for you. We’re all about making small loans easy, quick, and accessible, so you don’t have to worry about looking up bad credit loans AU. It’s the Fundo way!

No, you won’t have to pay any hidden fees or charges when applying for loans with Fundo.

We strive to eliminate the fuss and complications typically associated with small loans in Australia. As such, we champion transparency and honesty in our approach. We want our process to be as friendly and approachable as a chat over a cuppa, and we don’t believe in unpleasant surprises - financial or otherwise.

In our commitment to your financial well-being, we make sure all fees are clearly outlined before you commit to anything. This way, you can make informed decisions about your finances.

So rest easy, mate. With Fundo, what you see is what you get: no jargon, no confusing legal talk, and absolutely no hidden fees. Just quick, simple, small, and medium short term loans.

When it comes to receiving the results of your cash loan application, we understand that time is of the essence. At Fundo, we strive to provide you with a fast and efficient funding experience. After you submit your loan application through our user-friendly online platform, we work diligently to review your application promptly.

Our business hours are from Monday to Friday, 9:00 a.m. to 6:00 p.m., and Saturday, 9:00 a.m. to 5:00 p.m. (Sydney time). If your application is submitted and approved within those hours, you can expect to receive the funds in your nominated bank account on the same day or the next business day, depending on the time of approval.

We pride ourselves on being your quick online loan experts, ensuring a hassle-free application and approval process. With Fundo, you can say goodbye to looking up terms like ‘bad credit loans AU’ and enjoy the convenience of loan applications from the comfort of your own home.
Increase your Fundo Credit Score to boost your chance of getting approved on your next loan.
Loan amount from $500 to $2000
Minimum 91+ days to maximum 6
months
20% establishment fee and a flat
4% monthly fee4
Loan amount from $2001 to $5000
Minimum 91+ days 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 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.
6 The example assumes timely repayment as per the loan agreement, or additional fees and charges may apply.
¹As soon as you sign your contract and if all other requirements have been met, 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 it is a weekend or a public holiday, the funds are usually received by the next business day. Fundo cannot guarantee that loan funds will be received within 60 seconds
²Applying for a loan with Fundo usually takes about 3 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.
We typically respond within 2 min or sooner.