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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If you find yourself in urgent need of cash and are exploring options for a personal loan for bad credit rating, you’ve turned to the right place. Traditional lenders often enforce strict criteria and lengthy paperwork, which can be frustrating, especially if you have a less-than-perfect credit score. Fortunately, alternative lenders like Fundo are here to help! We specialize in short-term loans designed for Australians seeking quick and easy financial solutions.
With Fundo, your financial burden can feel lighter, allowing you to focus on what truly matters. We understand that you may be searching for information about personal loans for low credit scores or personal loans for people with no credit, and our application process is designed to accommodate those with various financial backgrounds.
Our funding options are crafted to suit your unique circumstances. You can pay back your Fundo loan within up to 180 days, with potential savings if you opt to pay early! Unlike loans meant for debt consolidation or other restricted purposes, our focus remains on short-term needs, such as unexpected expenses or personal projects.
Our eligibility criteria are straightforward:
Once you meet these criteria, simply provide us with your details and preferred loan amount. If you're applying during business hours, you could see same-day approval and fund release. Curious about your approval chances? Check your prospects with our interactive Fundo Customer Score tool!
Rather than scouring the internet for online small personal loans for bad credit, why not take advantage of our services? With Fundo, you can:
Don’t waste time looking for "last minute loans with bad credit" or bond loans elsewhere. Choose Fundo for a streamlined, customer-friendly loan experience that supports you through your financial journey!




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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