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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Searching for bad credit small loans? You’re not alone! Many people look for flexible funding options in times of financial need. Traditional banking might overlook your specific situation, but at Fundo, we understand the challenges of obtaining a loan with less-than-perfect credit. Our bad credit small loans are tailored for individuals seeking a quick solution without the hassle of complicated paperwork or hidden fees.
If you have a verified income of at least $1,000 per fortnight and meet our eligibility criteria, a bad credit small loan might be just what you need for unexpected expenses or urgent projects. We offer quick, easy, and straightforward options that can support a variety of needs, from home improvements to personal emergencies.
Our loans are versatile enough to cater to a variety of situations and can be repaid in as little as up to 180 days for a MACC loan, promoting responsible borrowing. Make sure to strategise your repayment plan to maintain your financial wellbeing!
Don't let bad credit discourage your search for small loans! With Fundo, applying is simple—and we offer competitive options that might surprise you. Use our interactive Fundo Customer Score tool to assess your borrowing potential and boost your chances of approval. Returning customers can reapply in just three easy clicks!




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.