Loans Poor Credit
Same day funds up to $5,000
Same day funds up to $5,000
Finder
We approved 320+ loans in the last 24 hours!
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 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!
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 5 weeks to maximum 6
months
20% establishment fee and a flat
4% monthly fee4
Loan amount from $2,001 to $5,000
Minimum 9 weeks 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)
