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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We understand that sometimes life throws unexpected expenses your way, and finding a solution can be a challenge—especially if you're in a situation where you need money ASAP with bad credit. While many lenders might turn you away, Fundo is different. As an Australian-owned and -run direct lender, we’re committed to providing quick and hassle-free online loans for those who need a little extra help while keeping transparency at the heart of what we do.
No matter the reason behind your financial crunch, Fundo offers personal loans for bad credit—making it easier to get through those tough times. Our small loans can be used for a variety of one-off expenses, like home repairs, urgent bills, or other emergency needs. Plus, with our home improvement loans, you don’t have to put off those fixes that can't wait.
Feeling overwhelmed about your eligibility? Don’t worry! We keep our requirements straightforward. To qualify for a loan with us, you need to:
With Fundo, you can take advantage of our streamlined online application process. Share the amount you need and a few personal details, and as long as you meet our guidelines, you could see funds hit your account within 60 seconds of accepting your loan contract!
Your Fundo Customer Score plays a significant role in your loan application, so it’s worth understanding! A better score can lead to more favourable borrowing terms. Improve your score by:
If you're tired of searching for solutions under phrases like 'cash loans for pensioners' or 'fast money loans', it’s time to make the smart choice! Apply now with Fundo, and take the first step towards receiving the funds you need.




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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