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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Feeling trapped by bad credit when you need a payday loan? You're not alone. Many Australians find it tough to secure loans through traditional channels, especially when facing difficult financial situations. At Fundo, we believe that bad credit shouldn't hold you back from accessing the funds you need promptly. Our mission is to make short-term loans accessible to everyone, regardless of credit history.
If you're grappling with needs for a payday loan with bad credit, the first step is to check your eligibility. Here’s what you need to know:
To kickstart your application, simply fill out our online form with details about the loan amount you need and your personal information. It's quick, easy, and you could have cash in your account in no time!
You may have heard about alternatives like needing a loan ASAP with bad credit or emergency funding. At Fundo, we focus on providing loans suited for your needs without the unnecessary complications that often come with those options. For instance, our emergency loans are designed to help you cover urgent, one-off expenses efficiently.
Improving your Fundo Customer Score can significantly enhance your prospects for loan approval. Here’s how to elevate your chances:
Don’t let bad credit stop you from getting a payday loan when you need one! Ready to take control of your finances and secure the funds you need? Apply today and discover how Fundo can help you get back on track.




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.
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