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
Award 2024
When unexpected expenses catch you off guard, opting for a loan can be a smart move. But we know that searching for loans with very bad credit can sometimes lead to frustrating options that don't meet your needs. At Fundo, we offer short-term loans that are designed to be accessible, even if you have a less-than-perfect credit history. No more scouring the internet or settling for complex alternatives; Fundo is here to simplify the process! Our quick turnaround times and transparency mean there are no hidden fees—just straightforward loan details you can trust. Applying for a short-term loan is simple, fast, and fully online, making it a hassle-free experience. As a customer-focused direct lender, we're dedicated to putting your needs first.
Understanding what lenders, particularly those offering loans with very bad credit, can provide is crucial. That's where Fundo steps in. Our loans allow you to manage short-term expenses efficiently. Whether you need cash to cover an urgent bill or simply want a convenient financial boost, we have options tailored for your needs. Why search for vague terms like Loans With Instant Approval when you can have clarity and speed with Fundo?
Are you eligible? If you're over 18, reside in Australia, earn at least $1,000 gross per fortnight, and show you can manage your repayments, we want to hear from you! Completing your application with Fundo is quick and easy—just fill out our form with your requested loan amount, personal info, and contact details. Send it in during our business hours and get ready for a speedy response. If your application is approved, your funds can hit your account within 60 seconds from accepting the contract!
If you’re a returning customer, you’ll benefit from a super-fast process with just three clicks. This is one of the many ways we’re making borrowing fun again. To enhance your chances of approval, keep an eye on your Fundo Customer Score. You can improve it by referring friends, making timely payments, and leaving us your feedback. Ready to take control of your finances and say goodbye to worries about "I need money"? Whether it’s a one-time expense or a little boost to get you through, apply for a loan with Fundo today!




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.