Last Chance Loans
Same day funds up to $5,000
Same day funds up to $5,000
Finder
We approved 320+ loans in the last 24 hours!
When you’re facing financial difficulties and have been turned down by traditional lenders, last chance loans can be a lifeline. These loans are designed for individuals who may not have access to conventional lending due to poor credit, irregular income, or other financial struggles. At Fundo, we understand that life’s challenges don’t always align with perfect credit, and we aim to provide last chance loans that give you the financial support you need to move forward.
What are last chance loans?
Last chance loans are tailored for individuals who may have been denied loans elsewhere. These loans are typically available for those with poor credit, minimal income, or those in difficult financial situations. At Fundo, we offer a flexible and straightforward application process to ensure that even those with less-than-perfect financial backgrounds can still access the funds they need.
Here’s how it works:
Last chance loans are ideal for situations where you’ve run out of other options. They provide fast, short-term financial relief for urgent needs, such as medical bills or unexpected car repairs. For those looking for even quicker access to cash, Fundo also offers instant payday loans for faster approval.
Can I get a last chance loan if I have bad credit?
Yes, Fundo considers applications from individuals with poor credit. Our focus is on your ability to repay the loan rather than just your credit score. If you’ve been rejected by other lenders due to bad credit, a last chance loan may be the solution you need.
We understand that everyone’s financial situation is unique, and we take a more comprehensive view of your income, expenses, and overall financial health. This gives you a better chance of approval, even if your credit history isn’t ideal. To apply for a loan, visit our cash loans without a payslip page to explore your options.
How quickly can I get approved for a last chance loan?
Fundo is committed to fast approvals. If you apply during business hours and provide the required information, you could be approved the same day. Once approved, the funds are typically deposited into your bank account the same day or by the next business day.
For those who need money even faster, Fundo also offers 1-hour emergency loans for urgent financial needs.
FAQs
Do I need a payslip to apply for a last chance loan?
No, Fundo offers loans without a payslip, making it easier for those with alternative income sources to qualify.
Can I apply if I have bad credit?
Yes, Fundo considers applicants with poor credit. Your application is assessed based on your ability to repay, not just your credit score.
How do I repay my last chance loan?
We offer flexible repayment options, allowing you to choose between weekly, fortnightly, or monthly repayments based on what suits your budget best.
Are there any hidden fees?
No, Fundo is fully transparent about all fees. You’ll know upfront what costs are involved, with no hidden fees.
Can I repay my loan early?
Yes, you can repay your loan early without penalties. Early repayment helps you save on interest and improves your Fundo Score.
How fast can I get the funds?
Once approved, you could receive the funds on the same day or the next business day. For faster access, you can also explore our high approval payday loans.
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)
