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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AI Innovation
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Unexpected costs can put a dent in your finances, leaving you searching for loans with really bad credit. That's where Fundo comes in! As an accessible online lender, we’re committed to helping you get the funds you need without the traditional hurdles posed by banks and credit unions.
Fundo offers flexible and straightforward short-term loans tailored to Australians, even those facing credit challenges. We understand that when you need funds quickly, the last thing you want is a complicated application process. At Fundo, we strive to provide a seamless experience where you can apply for cash effortlessly and receive your loan without delays.
At Fundo, we take pride in our customer-first approach. Our loans are designed with your needs in mind:
If you've been searching for loans with bad credit ratings, you're in the right place! At Fundo, our loan products are tailored to fit your unique financial needs. Whether you need a small loan or a medium loan, our options are designed to give you the funds you need without the stress.
Choose from a range of short-term loan types, including:
Worried about qualifying for loans with really bad credit? Fundo makes it easy! Here are the simple requirements:
If you meet these criteria, you’re one step closer to accessing the funds you need!
Ready to stop searching for payday applications and instead take action? Fill out our application form today to find the perfect loan package tailored for you. If you submit your application during business hours and meet the approval criteria, you could have your funds in your account in as little as 60 seconds after contract acceptance!
Curious about your potential for loan approval? Check your Fundo Customer Score—the higher it is, the better your chances! We appreciate responsible borrowing and reward our customers for maintaining good credit behaviours.
Why wait? Get the financial relief you need today with Fundo and discover the difference a supportive lender can make.




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.