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
When unexpected expenses arise, many Australians turn to traditional lenders for financial help. However, navigating the strict requirements and lengthy application processes of banks can be daunting. If you’re looking for a personal loan for bad credit, you've come to the right place! At Fundo, we understand that securing a loan can be tricky, especially if your credit score isn’t perfect. That’s why we're here to offer a straightforward and friendly solution!
Fundo provides fast and convenient short-term loans that are accessible whenever you need them, from anywhere in Australia. Our technology-driven approach means we can offer prompt decisions, ensuring you receive a timely outcome. Best of all, our completely online process makes applying for funds easy, with no need to visit a physical store or wait in lines.
If you've been searching for a personal loan for bad credit, Fundo's loans can serve various needs, whether for urgent situations or unexpected expenses like car repairs. We know life can be unpredictable, and our aim is to help you out when it matters most. While other lenders may limit options based on credit history, we take a holistic view of your financial situation, giving you a fair chance at approval.
Applying for a Fundo loan is simple! Follow these steps:
If your application is submitted during business hours and meets our eligibility criteria, you could be notified of your loan approval on the same day! 🚀
It’s important to note that we use the Fundo Customer Score to assess eligibility for loans. This system rewards healthy borrowing behaviour. Timely repayments or referring friends could earn you points, improving your chances of getting approved for future loans. 🚀
Ready to take the next step? Forget the stress of searching for personal loans for bad credit elsewhere. Fill out your application for a Fundo loan today and let us help you achieve your financial goals!




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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