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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AI Innovation
Award 2024
Sometimes, covering an unexpected expense requires quick cash. Whether it's a burst pipe or a flat tire, you want funding fast. Searching for debt loans for bad credit can be tiresome, especially when you struggle to find the right lender. But that's where Fundo steps in! As an Australian-owned private lender, we proudly offer short-term loans designed for everyday Australians, including those with less-than-perfect credit. If you’ve been seeking solutions like 'Personal Loans', you're in the right place.
At Fundo, we prioritise your financial needs with flexibility, transparency, and ease of access. Here's why our loans stand out:
With Fundo, there's no need to keep hunting for debt loans for bad credit or terms like 'Credit Loans For Poor Credit'. Our simple and convenient funding options cater to your needs, ensuring you get the assistance you require without complicated hoops to jump through.
Fundo provides a variety of loans to suit your circumstances, whether you need fast cash for an emergency or a short-term financial boost. Here’s how you can benefit:
Note that while we offer accessible loans, we don’t provide loans specifically for consolidating existing debts or credit cards. Our focus is on empowering you with the funds you need for various life situations.
If you’re over 18 years of age, reside in Australia, and earn at least $1,000 every fortnight (this includes government benefits), you could qualify for a Fundo loan! Applying is simple—fill out your details in our user-friendly application form, and if everything checks out, you might even receive your funds within 60 seconds from contract acceptance!
Returning customers can enjoy an even faster application process, taking just three clicks! Plus, improve your chances of loan approval by enhancing your Fundo Customer Score. Timely payments and referrals to friends can positively impact this score!
Ready to leave behind concerns about Personal Loans and similar options? Trust Fundo for hassle-free debt loans for bad credit. Apply for your loan today and experience the Fundo difference!




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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