Need Money Now Bad Credit
Same day funds up to $5,000
Same day funds up to $5,000
Finder
We approved 320+ loans in the last 24 hours!
Finding yourself in urgent need of money can be stressful, especially if you have bad credit. Traditional lenders often rely heavily on your credit score when determining whether to approve a loan, making it difficult for those with poor credit histories to secure funds. However, at Fundo, we understand that financial difficulties can happen to anyone, and having bad credit shouldn’t automatically prevent you from getting the help you need.
Fundo offers small loans starting from $500, designed to give you fast access to the funds you need - even if your credit score isn’t perfect. While we may conduct a credit check, our focus is on your current financial standing and ability to repay the loan, not just your credit history. This allows us to provide a fairer, more flexible option for people who need cash quickly, without being held back by past financial mistakes.
Why Choose Fundo for Loans with Bad Credit?
At Fundo, we believe that your current financial situation is more important than your past credit history. That’s why we assess your ability to repay based on your present income and financial commitments. If you have a steady income and meet our eligibility criteria, you can still qualify for a loan - even if you’ve had credit issues in the past.
Our loans start from $500, with flexible repayment options that allow you to manage the loan on your terms. The entire application process is done online, making it quick and convenient, so you can get the money you need without the lengthy delays that come with traditional lenders.
How Fundo’s Loan Process Works
Eligibility for Fundo’s Loans
To apply for a loan with Fundo, you must:
Can I get a loan from Fundo if I have bad credit?
Yes, Fundo considers more than just your credit score when assessing loan applications. We focus on your current financial standing and ability to repay the loan, so even if you have bad credit, you can still qualify for a loan. You can start your application now by visiting our online portal.
How quickly can I get approved for a loan with bad credit?
At Fundo, we work to provide fast approvals. Once you submit your online application, we review it quickly, often giving approval the same day. Once approved, the funds are transferred to your account as soon as possible, so you can manage your urgent financial needs without delay.
What can I use a Fundo loan for?
You can use a Fundo loan to cover a variety of expenses, including medical bills, car repairs, rent, or any other urgent financial needs. With loans starting from $500, Fundo gives you the flexibility to handle immediate expenses, even if you have bad credit.
How can I check my credit score before applying for a loan?
In Australia, you can check your credit score for free through credit reporting agencies like Equifax, Experian, or Illion. These services provide a detailed report on your credit history, helping you understand your current financial standing. Although Fundo focuses more on your ability to repay, knowing your credit score can still be helpful when managing your finances.
What if I can’t repay my loan on time?
If you find yourself unable to make a repayment, it’s important to contact Fundo as soon as possible. We offer flexible repayment options and can work with you to adjust your payment plan to fit your situation. Communicating early helps us provide the best solution to avoid further financial difficulties.
Safe
and Secure. 5 min
application²
Kim S.
Ellie P.
Robert D.
Safe
and Secure. 5 min
application²
Safe
and Secure. 5 min
application²
Loan amount from $500 to $2,000
Minimum 91+ days to maximum 6
months
20% establishment fee and a flat
4% monthly fee4
Loan amount from $2,001 to $5,000
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 Comparison rate is based on an unsecured loan of $2,500 over a term of 2 years.
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.
6 The example assumes timely repayment as per the loan agreement, or additional fees and charges may apply.
Safe
and Secure. 5 min
application²Terms and conditions and fees and charges apply. Approval and loan amount are subject to our credit assessment criteria.
¹As soon as you sign your contract, 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 its a public holiday, the funds are usually received by the next business day
²Applying for a loan with Fundo usually takes about 5 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.
Fundo is an Australian direct lender that offers short-term, small loans without any legal jargon or red tape. Our online loans are designed to provide access to a broad range of qualified applicants, including those with less-than-perfect credit.
Finding small loans with flexible repayment terms is now a reality with Fundo - no need to keep searching for 'Debt Consolidation Loans Bad Credit', 'Personal Loan With Fast Approval', or '24 Hours Cash Loans'. Applying for Fundo loans in the future gets more engaging when you pay off your loans in advance penalty-free while also increasing your chances for approval.
Fundo believes that eligible applicants should be able to get closer to the loans they need. If you've been looking for small cash loans through search terms like 'Instant Approval Loans Need Cash Today', 'Payday Loans No Credit Check', or 'Savvy Loans', then you can stop looking now - let us show you how easy it is to apply for a loan with Fundo.
We typically respond within 2 min or sooner.
I'd like to borrow ($500 - $5000)
