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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Finding loans bad credit Australia can sometimes feel like navigating a maze—especially when your credit score isn’t as high as you’d like. At Fundo, we understand the challenges faced by applicants who may struggle with traditional lending standards. Our goal is to ensure that everyone, including those with less-than-perfect credit, has the opportunity to access the funds they need swiftly and efficiently.
You don’t need to keep searching for Personal Loans or options that claim to work for everyone. Fundo caters specifically to those needing small loans quickly, with repayment schedules tailored to your situation. Whether you need a quick fix for an unexpected car repair or funds for an emergency medical bill, our emergency loans are here to support you with the cash you require.
Thinking of applying? Here's what you need:
If you meet these criteria, applying is easy! Simply fill out our application form, and if submitted during business hours, there's a great chance you’ll receive approval and funding on the same day. For our returning borrowers, it takes just three clicks to get your loan.
With Fundo, we believe in rewarding our customers for their responsible financial behaviour. Our Fundo Customer Score system encourages you to manage your repayments well, which means better chances for future loans and access to possible discounts! By ensuring on-time payments and sharing your positive experiences with friends, you can build a better Fundo Customer Score and enjoy the benefits it offers.
Ready to take the next step? Stop searching for loans bad credit Australia—you’ve found Fundo, your dependable partner for short-term loans. Apply for a Fundo loan today and take control of your finances with ease!




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.