Ready. Set. Loan.
Same day funds up to $5,000
Same day funds up to $5,000
For many individuals in a financial bind, it often gets tricky when you need a payday loan with bad credit scores in play.

This is where loans like payday loans come in. A payday loan is a type of personal loan, and while Fundo doesn’t offer payday loans, we do offer other loan types that are just as suited for your purposes. Our personal loans are unsecured, meaning they don’t require any security like personal assets, which in turn makes them a very accessible and convenient option for covering short-term financial needs.

We’re here to provide a hassle-free and fast way to access the funds you need. Just let us know how much you want to borrow, then complete our quick and easy application process. You can submit an application in just a few minutes!

Fundo is more than a lender; we’re your friendly, dedicated financial companion for short-term personal loans online.

Life sometimes throws unpleasant surprises our way, which may greatly affect our financial situations. This could lead to less-than-stellar credit scores, despite the best intentions. This could be frustrating, especially if you need a payday loan with bad credit on your record. That’s why, at Fundo, your credit score doesn’t necessarily make or break your eligibility for any quick loans we have to offer.

You may still be eligible for Fundo’s online loans even if your credit score isn’t perfect. Our main focus is on whether you could currently meet your repayments on time and if being approved for a Fundo loan would place you under undue financial pressure.

Everyone’s financial situation is unique, which is why we at Fundo believe there’s room to talk about lending terms, whether you need a payday loan with bad credit or another type of personal loan.

At Fundo, we’ve made our loans accessible and friendly to a wide range of borrowers. To be eligible for a Fundo loan, you must be at least eighteen years old or older and have a stable income of $1,000 per fortnight. This fortnightly income may include government benefits or pensions and is open to full-time, part-time, or seasonal workers.

Don’t let a poor credit score deter you; we’re more flexible than those super-strict banks. Our mission is to strip away the complications and jargon associated with online money loans, so instead of scouring the internet for a payday loan with bad credit, why not turn to us? Here at Fundo, we’re ready to assist you every step of the way.

Fundo has an innovative approach to credit through the Fundo Credit Score system. This fun and rewarding system increases your exclusive Fundo points every time you make payments on time or early, and it offers some cool perks as well!

With the Fundo Credit Score, a higher score improves your chances of getting approved for future small cash loans, so we encourage you to repay your loans on time or earlier whenever possible. At Fundo, you reap the benefits of good current borrowing practices, even if your credit score is less than ideal.

We’re dedicated to making your experience with online loans as easy and quick as possible. After all, Fundo isn’t just a lender; we’re your partner in this journey towards financial stability. Apply for a loan with us today!

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.