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
Finder
AI Innovation
Award 2024
Experiencing financial hiccups with bad credit can be frustrating, especially when you need online loans for people with bad credit. You might have faced obstacles with traditional lending processes or even been denied a loan based solely on your credit score. At Fundo, we believe that everyone deserves a chance, and that's why we make short-term loans more accessible for all Australians. Our approach personalises each application, taking your individual circumstances into account.
As an Australian-owned lender, we aim to provide friendly and flexible repayment options tailored to your needs. With Fundo, applying for a small loan has never been easier:
Whether you need cash for urgent bills or unexpected emergencies, Fundo is here to help. Why spin your wheels with slower lenders when you can get the support you need swiftly? Our application procedure is designed to make the process as effortless and stress-free as possible.
With Fundo, you have the opportunity to secure a small loan with manageable repayment terms that work for you. Our loans can be used for various purposes, including:
While we understand the desire for a loan lorem ipsum, please note that a credit assessment might be part of our application process to determine your eligibility and provide you with the best outcome for your loan. We are committed to rewarding responsible financial behaviour, so paying off your loan ahead of schedule could lead to better terms in the future.
Have you heard about the Fundo Customer Score? This score reflects your borrowing relationship with us, and it can improve through timely repayments and positive engagement. A higher Fundo Customer Score translates into better opportunities for future loans.
To qualify for a loan with Fundo, you need to:
Don’t let uncertainty hold you back. Start by filling out our easy-to-use application form on our website, which has everything you need to take that first step toward financial relief. If previous searches have led you astray, stop here—your search for reliable and fast online loans for people with bad credit ends with Fundo. Submit your application today and see how quickly we can help meet your needs!




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.