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
Finding a loan can feel daunting, especially when you have a less-than-perfect credit score. If you’ve faced difficulties with traditional options related to consolidating loans with bad credit, we understand how frustrating that can be. At Fundo, we believe that everyone deserves access to financial support, regardless of their credit history.
Our goal is to make short-term loans easier and more accessible for Australians. We assess each application based on individual circumstances, so you won’t face automatic denials just because of past credit challenges. With Fundo as your trusted Australian lender, you can count on adaptable repayment plans designed with your needs in mind.
When it comes to one-off expenses—like an urgent home repair or unexpected bill—our emergency loans are ready to help. Remember, Fundo’s services are not for covering existing debts or loans, but we focus on assisting you with new financial needs. If you're curious about your loan eligibility or options available, please feel free to explore our other lending products, such as home renovation loans.
Getting a loan with Fundo might be easier than you think! To qualify for our loans, you simply need to:
If you meet these criteria, take the first step towards financial flexibility by filling out our quick and user-friendly application form. If your application is submitted during business hours, we aim for same-day approval and loan release!
Want to see your chances of approval? Use our interactive Fundo Customer Score tool, which helps you understand your financial health and jumpstart your borrowing experience. By repaying your loans on time and maintaining good credit behaviour, you improve your likelihood of future approvals.
Why continue searching for payday loans or immediate payout loans? With Fundo’s easy application and quick cash solutions, your search for consolidating loans with bad credit ends here. Take control of your financial journey with Fundo today!




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.
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