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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When unexpected expenses arise, it's completely understandable to look for ways to find a personal loan with bad credit. If you're in need of immediate cash, Fundo is here to make that journey easier for you. Traditional lenders often complicate the borrowing process, leading to lengthy approvals. At Fundo, we believe getting a loan should be straightforward, especially for those facing financial challenges.
As a non-traditional lender, we pride ourselves on offering short-term loans designed to meet the needs of Australians, regardless of their credit history. With Fundo, you can easily apply for a loan from the comfort of your home or workplace. Our application process is quick and efficient, allowing you to focus on what matters most.
If you're concerned about how to find a personal loan with bad credit, you may also want to explore fast emergency loans for bad credit. We're dedicated to providing versatile loan options that suit various needs, whether it's covering unexpected bills or managing short-term financial hiccups.
While it’s important to check if you qualify, we make it easy! Our eligibility requirements are minimal:
Ready to get started? Simply fill out our online application with the amount you wish to borrow, your personal details, and financial information. Our straightforward application process ensures that if you apply during business hours, you could see funds in your account the same day! No more scrolling through endless pages about short term loans on Centrelink or 60-minute loans in Australia.
Additionally, enhancing your Fundo Customer Score can increase your approval chances. You can do this easily by:
Don't delay any further—apply today and take control of your financial needs with Fundo. Let us help you find a personal loan with bad credit and get back on track!




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.
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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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