Cash Advance Bad Credit Direct Lender
Same day funds up to $5,000
Same day funds up to $5,000
Finder
We approved 320+ loans in the last 24 hours!
If you’ve been searching for a cash advance from a direct lender but have concerns about your credit score, Fundo is here to assist. Traditional lenders often turn down applicants with poor credit, but Fundo offers a different approach. We provide cash loans ranging from $500 to $5,000, even for those with bad credit, so you can access the funds you need without unnecessary roadblocks.
At Fundo, we prioritise your current financial situation over your credit history, ensuring a fairer assessment process. While a credit check is part of our application, it’s not the only factor we consider. Our goal is to help you move forward with financial flexibility, offering clear terms that are designed to fit your needs.
Why Choose Fundo for Your Cash Advance?
Unlike traditional banks, Fundo specialises in providing fast, small loans to those who need them most, including individuals with poor credit. Our application is fully online and easy to complete, with approvals often processed quickly. We aim to provide same-day funds where possible, depending on the time of your application.
We also focus on responsible lending. This means that before approving your loan, we ensure you’ll be able to meet repayments comfortably, without leaving you worse off financially. Your credit history may be considered, but our key concern is your current ability to repay.
How Fundo’s Loan Process Works
Eligibility Criteria for Fundo Loans
To qualify for a Fundo loan, you must:
If you meet these criteria, Fundo is here to help you secure the cash advance you need, regardless of your credit history.
Can I get a cash advance from Fundo with bad credit?
Yes, you can. Fundo offers cash advances ranging from $500 to $5,000, even if you have bad credit. While we perform a credit check as part of our assessment, it’s only one aspect of our process. If you have a stable income and can demonstrate your ability to repay the loan, you may still be eligible. We focus on helping you access funds quickly and responsibly. Start your application now at our online portal.
How does Fundo assess loan applications for people with bad credit?
Fundo assesses applications holistically, considering your current financial situation. This includes your income, living expenses, and whether you can make loan repayments without financial strain. While we do perform a credit check, having a low credit score doesn’t automatically disqualify you from receiving a loan. As long as you meet our eligibility criteria and show that you can repay the loan, we’ll consider your application.
How quickly can I receive funds after my loan is approved?
Once your loan is approved, Fundo aims to transfer the funds as quickly as possible. In many cases, you could receive the money the same day, depending on the time of your application and your bank’s processing times. We understand the urgency of needing a cash advance, which is why we strive for fast approvals and disbursements.
Will a cash advance from Fundo affect my credit score?
Applying for a cash advance with Fundo may involve a formal credit check, which could impact your credit score. However, we aim to make this impact minimal. We also report successful loan repayments, which can help improve your credit score over time. Fundo is committed to responsible lending, and we always ensure that the loan we offer will not put you in a worse financial position.
With Fundo, you can confidently apply for a cash advance, knowing that bad credit won’t stand in your way. For more information, visit our FAQ section or contact us for further assistance.
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 91+ days to maximum 6
months
20% establishment fee and a flat
4% monthly fee4
Loan amount from $2,001 to $5,000
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 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)
