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
When unexpected expenses arise, many Australians seek loans for low income earners with bad credit. While turning to a local bank or traditional lender might seem like a viable option, the truth is that their strict requirements and lengthy application processes can make it tough to get the help you need. Fortunately, with Fundo, you have a trusted alternative! Our short-term loans are designed to be quick, accessible, and hassle-free—all at your fingertips from anywhere in Australia!
At Fundo, we believe everyone deserves a fair chance at financial support, even if your credit score isn’t perfect. Our streamlined, technology-driven process not only allows for quick decision-making but also enables you to apply for a loan online anytime, day or night. There’s no need to wait in lines or worry about store hours.
If you’re searching for loans for low income earners with bad credit, Fundo can provide the funds you need for various one-off expenses—without the uncertainty associated with other types of loans.
Through Fundo, you can cover urgent costs like:
We are committed to ensuring you get the best possible outcome. With our short-term loans, you can select a repayment period of up to 180 days or pay off your loan early to save on costs. Being proactive can enhance your borrowing experience with us in the future!
Many potential borrowers wonder if they qualify for loans. At Fundo, we strive to keep eligibility requirements simple. If you currently reside in Australia, are over 18, and have a verified income of at least $1,000 per fortnight (including government benefits), then you may qualify for our loans! Show us that you can handle repayments responsibly, and you could be on your way to securing the funds you need.
To get started, fill out our straightforward application form, providing details about your loan amount and personal information. If you apply during business hours and meet the eligibility criteria, you could receive the funds in your account within 60 seconds of your contract’s acceptance!
If you’re keen on enhancing your chances for loan approval, take steps to boost your Fundo Customer Score. Better borrowing habits, timely payments, and managing existing debts can all contribute to a higher score. Visit our Fundo Customer Score page for tips and resources.
Stop searching for loans online and take action today! Apply with Fundo now, and let us help you navigate those unexpected financial bumps in the road.




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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