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
If you're finding it tough to secure a loan from traditional lenders due to your credit history, you're not alone. Many people are searching for alternatives, and that’s where loan bad credit Australia comes into play. If you're in this situation, Fundo can be the answer you’ve been looking for! As a private lender, Fundo offers short-term loans for those with less-than-perfect credit scores. We believe your past financial issues shouldn't define your future borrowing potential. Our goal is to provide the funds you need to alleviate financial stress and keep you moving forward.
With Fundo, you can use your cash from our loans in various ways – whether it's an emergency loan for urgent expenses or even a home renovation loan for timely repairs. Our focus is on helping you manage your finances rather than putting you under pressure with hidden fees or complex terms.
Applying for a loan with less-than-ideal credit can often feel overwhelming, but not with Fundo. To qualify for our supportive service, you must:
Once you meet these criteria, you can proceed with our straightforward digitized application process. After your first loan with us, you can also build your Fundo Customer Score by demonstrating positive repayment behaviour, which may enhance your chances for future approvals.
Stop your search for very bad credit loans or who will give me a loan when no one else will. Choose Fundo, where we understand your needs and provide loans tailored for you. Whether you’ve been searching for small credit loans or quick online loans with same day payout, we’re here to help.
Don't let your past stop you from accessing the cash you need today. Apply now with Fundo and experience a friendlier, more understanding lending process!




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.