Online Cash Advance Bad Credit

If you’re seeking an online cash advance with bad credit, securing a loan through traditional lenders can be difficult. At Fundo, we believe that bad credit shouldn’t stop you from getting the financial support you need. That’s why we offer small loans starting from $500, with a fast online application process that helps you access funds quickly, even if your credit score isn’t perfect.

Thousands of Australians have already turned to Fundo for fast, reliable financial solutions when they need them most. While we may conduct a credit check as part of our responsible lending practices, we focus more on your current financial situation and your ability to repay the loan. This allows us to provide financial support to those who may not qualify for loans through traditional avenues.

Our flexible repayment options make it easier for you to manage your loan in a way that suits your financial circumstances. Whether you prefer a shorter repayment period or need more time to repay, Fundo’s loans are designed to give you the flexibility you need while helping you get the cash you need without unnecessary delays.

Online Cash Advance with Bad Credit FAQs

Can I get approved for an online cash advance with bad credit at Fundo?

Yes, Fundo focuses on your current financial situation rather than just your credit score. While we may conduct a credit check, we consider your ability to repay the loan based on your current circumstances, making it easier for those with bad credit to get approved.

How fast can I get approved for an online cash advance with bad credit?

Fundo’s online application process is quick and easy. Once your application is submitted, it’s reviewed promptly, and approval is often granted the same day. After approval, funds are typically transferred to your account within hours, depending on your bank’s processing times.

What can I use an online cash advance from Fundo for?

Fundo’s small loans can be used to cover a variety of short-term financial needs, such as emergency expenses, personal bills, or other unexpected costs. Our loans provide fast access to cash when you need it most.

How flexible are Fundo’s repayment options?

Fundo offers flexible repayment plans that are tailored to fit your financial situation. Whether you need more time to repay or prefer a shorter term, Fundo ensures that managing your loan is easy and stress-free.

Fundo loan example

Borrow between
$500 to $5,000

Flexible
payment terms

No hidden fees

Money within 60 secs
if NPP enabled

Small loan

Loan amount from $500 to $2000
Minimum 91+ days to maximum 6 months
20% establishment fee and a flat
4% monthly fee⁴

Example⁶

RepaymentsWeekly

Term20 weeks

Loan Amount$1,000

Establishment fee$200

Total monthly fee (over 20 weeks)$200

Total repayable$1,400

Weekly repayment$70.00

Medium loan

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

Example⁶

RepaymentsFortnightly

Term2 years

Loan Amount$2,500

Establishment fee$400

Total interest (over 2 years)$1,553

Total repayable$4,453

Fortnightly repayment$85.63

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.

Apply Now

Safe and Secure. 3 min application²

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.