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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Finding yourself in need of a loan with bad credit can feel overwhelming, especially when conventional lenders seem unapproachable. At Fundo, we understand that circumstances change and that past credit challenges shouldn't stand in your way of accessing financial support. Our mission is to make short-term loans accessible to all Australians, including those seeking online loan options with bad credit. We embrace a unique approach that takes into account your individual circumstances rather than just your Fundo Customer Score.
Why choose Fundo for your online loan needs? Here are just a few reasons:
While searching for 'online loan bad credit', you may have come across various options and lenders. It's essential to find the right fit for your specific needs. That's where Fundo comes in! We offer a variety of loans, including emergency loans and home renovation loans. Rest assured, our straightforward approach ensures you're paired with a loan that suits your unique financial situation.
Getting started with a Fundo loan is smooth and hassle-free. To be eligible, you simply need to:
Even if your credit score isn't perfect, we believe that everyone deserves a chance for financial support.
Ready to apply? Click on 'Apply Now' on our homepage. Fill out a simple online application with your desired loan amount and personal details. Returning customers can speed through the process in just three clicks! You may receive approval notification within hours, placing you just a step away from that much-needed cash boost. Forget about scouring the web for 'online loan' solutions. Fundo is here to provide what you need, precisely when you need it!
Don't let bad credit hold you back. Explore your options with Fundo today and see how simple it can be to access funds.




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.
We typically respond within 2 min or sooner.