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
Struggling to get a loan with bad credit? You’re not alone! Many people face challenges when trying to secure financing due to a less-than-perfect credit score. But here at Fundo, we believe that everyone deserves a chance to access the funds they need. Our goal is to make short-term loans accessible to all Australians, regardless of their credit history.
Forget about searching “how to get a loan with bad credit.” Fundo is here to help you navigate these waters with ease. We aim to remove the barriers and complicated jargon often found in traditional lending. Whether you have experienced prior refusals or simply need quick cash for an unexpected expense, Fundo is the solution you've been looking for!
We provide diverse loan options to meet your needs:
While we don't offer debt consolidation loans, our loans can be used for a range of purposes other than paying existing debts. With Fundo, you have the freedom to use your funds for what’s important.
If you’re 18 or older, currently residing in Australia, and earning a minimum of $1,000 per fortnight (including government benefits), you are likely eligible for a loan with Fundo. It's important to demonstrate the ability to repay your loan without causing financial distress. Applying with us is a breeze: just fill out our online application form with your loan request, personal details, and contact information. Most applications receive a swift outcome, and if approved, the funds can hit your account ultra-fast!
Want to improve your chances of getting a loan with Fundo? Your Fundo Customer Score plays a significant role. By exhibiting responsible borrowing habits—like timely repayments, referring friends, and providing feedback—you can nurture this score and enhance your eligibility for future loans.
Don't let past credit issues hold you back. It's time to take control of your finances with Fundo's friendly support. Apply now and say goodbye to the stress of finding a loan with bad credit!




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.