Ready. Set. Loan.
Same day funds up to $5,000
Same day funds up to $5,000
When it comes to borrowing funds in a pinch, finding loans for which unemployed individuals could be approved can be challenging, but not impossible. There are a few types of loans available to people without jobs.

A popular choice forunemployed individuals are personal loans. Some lenders may offer these short term loans to unemployed people, especially if they have good credit scores or alternative sources of income.

Now, personal loans can be secured or unsecured. If you’re unable to complete your loan repayments, a secured loan uses an asset, such as a car or house, as security. On the other hand, unsecured loans don’t have the same requirement.

With that in mind, we at Fundo offer unsecured same day cash loans to a wide range of individuals who may need them. While we may not be able to accommodate everyone who applies for our loans, we are considerate of individuals with complex employment situations. 

Your employment status isn’t the only factor we consider when you apply for a loan at Fundo; we assess your application based on your current ability to repay a loan. If your circumstances are similar to this, our customer support team is here to discuss the options available to you. 

As an Australian owned and managed company, Fundo has a heart for the Australian people and wants to offer financial comfort when life throws curveballs.

We’re not like the super-strict banks; we’ve got the approval processes, speed, and no-jargon approach that take the fuss and complication out of small loans in Australia. Even if your credit score isn’t perfect, we can still provide approved applicants with last minute loans and short-term easy loans.

With that said, our customers should meet our eligibility criteria to borrow from us. Applicants must:

This applies to all applicants, including those who may currently be unemployed. But the good news is that we regularly work with borrowers who have complicated employment situations, so get in touch with our friendly customer service team to discuss your circumstances.

If you’re looking up ‘loans unemployed’ for options that may work for you, then come to us at Fundo! Fill out an application and join the ranks of Australians who’ve enjoyed our no-fuss application process, flexible repayments, and the convenience of same-day loans from the comfort of their home.

We recognise that sometimes your credit score may not be at its best because of your financial history.

A good step forward in improving your chances of getting a loan as an unemployed person is to have a consistent or alternate income stream. For example, Fundo also lends to pensioners and seasonal workers, provided they also meet other eligibility criteria.

If you have any questions about qualifying for our loans, don’t hesitate to reach out to us; we’re more than happy to speak with you about your options. You may contact us from Mondays through Fridays (9.00 a.m. to 6.00 p.m.) and Saturdays (9.00 a.m. to 5.00 p.m.), Sydney time.

When researching your options for ‘loans unemployed’, a common follow-up question is, ‘What factors can impact my loan application’s approval?’

At Fundo, one of these factors is your credit score, but you’ll be glad to know that it only plays a minor role in our review process. Your past shouldn’t define your present, and we focus more on your ability to meet your repayments now.

This is also where our Fundo Credit Score comes in. Think of it like a rewards program: we reward your efforts when you make payments early or on time, and we throw in some extra perks to make your loan experience with us more rewarding. With the Fundo Credit Score system, a higher score increases your chances of approval for your next loan – isn’t that cool?

Ultimately, our priority is your financial well-being, and we’re here to help guide you through this journey every step of the way, not to put you through an obstacle course for personal loans online.

We want to help you navigate through life’s surprises, one quick and easy online loan at a time, so if you’re looking for a loan today, then give Fundo a try!

Increase your Fundo Credit Score to boost your chance of getting approved on your next loan.
Loan amount from $500 to $2000
Minimum 91+ days to maximum 6
months
20% establishment fee and a flat
4% monthly fee4
Loan amount from $2001 to $5000
Minimum 91+ days 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 The comparison rate is specific to a $2,500 loan over a two-year term with a $400 establishment fee and fortnightly repayments. Any deviation in loan amount, term, or additional fees and charges can result in a different comparison rate, and the given comparison rate only applies to the presented example.
6 The example assumes timely repayment as per the loan agreement, or additional fees and charges may apply.
¹As soon as you sign your contract and if all other requirements have been met, 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 it is a weekend or a public holiday, the funds are usually received by the next business day. Fundo cannot guarantee that loan funds will be received within 60 seconds
²Applying for a loan with Fundo usually takes about 3 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.
We typically respond within 2 min or sooner.