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 yourself in need of a loan can be stressful, especially when your credit score isn’t exactly where you want it to be. Many Australians have faced hurdles trying to secure loans for poor credit, and the conventional pathways often feel limiting. At Fundo, we believe that your past doesn’t have to define your future. We are dedicated to making short-term loans accessible, regardless of credit history.
Fundo’s mission is to empower Australians by taking a closer look at each individual’s circumstances rather than relying solely on credit scores. Our streamlined application process means no overwhelming jargon, and we aim to keep things simple and stress-free. Whether you're dealing with unexpected expenses or wanting to make a planned purchase, our small loan options could be exactly what you need.
After researching loans with poor credit, you may come across various offerings. However, finding a suitable option can be overwhelming. Here at Fundo, we provide a variety of small loans tailored to your situation, including:
Once you pick your loan, you can choose to make repayments weekly, fortnightly, or monthly—giving you the flexibility to fit repayments into your budget comfortably. And remember, with Fundo, you can also opt to pay off your loan early, without incurring any extra fees!
If you’re over 18 and currently living in Australia, earn at least $1,000 per fortnight (including government benefits), and can show that you’ll be financially stable after taking the loan, Fundo is here for you. Our application process is user-friendly: complete our form with your desired loan amount, personal details, and contact information. If submitted during our business hours, a positive outcome could allow you to access funds the same day.
Returning customers can enjoy an even quicker application process—just three clicks and you're on your way! Plus, by maintaining good credit behaviour and nurturing your Fundo Customer Score, you can enhance your chances of approval on future loans.
Don’t let past credit issues hold you back! It’s time to move forward with your financial journey—ready to discover how Fundo can help? Apply now!




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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