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
Finder
AI Innovation
Award 2024
Unexpected expenses can pop up when we least expect them, often leaving us scrambling for funds. If you're searching for bad credit loans online, the process can be overwhelming, especially when the results don’t align with your expectations. However, Fundo is here to simplify your experience! As an Australian-owned lender, we cater to a diverse range of borrowers, including those who may not have the chance to apply elsewhere. We offer short-term loans with transparent terms, making it easier for you to get the support you need.
With Fundo, our application process is entirely online—quick, easy, and hassle-free! Say goodbye to legal jargon and complicated loan terms; we ensure that everything you need to know is straightforward. Our loans provide flexibility, allowing you to repay in as little as up to 180 days for a MACC loan. Whether you face urgent car repairs or need to cover a one-off expense, we’ve got you covered.
Explore our different options tailored specifically for your financial needs. Our emergency loans are fantastic for quick, one-time expenses that catch you off guard. Need funds for a reliable vehicle? Check out our home renovation loans for urgent fixes. And remember, at Fundo, we pride ourselves on encouraging responsible borrowing. Your commitment to timely repayments could reward you with even quicker approval times for future loans.
Curious about your eligibility for bad credit loans online? Fundo makes it easy! Our requirements are straightforward and accessible. You’ll need to be over 18 years of age, currently residing in Australia, earning a minimum of $1,000 every fortnight (including any government benefits), and able to demonstrate your capacity to manage repayments. Simply visit our website, fill out your application, and you could receive funding on the same day if you apply during business hours.
Don’t waste another moment searching for 'bad credit loans online' or 'payday lending.' Take the first step towards securing the funds you need by applying for a Fundo loan today. Our commitment is to your financial wellness and success.




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.
We typically respond within 2 min or sooner.