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
If you’re in need of a personal loan now but have bad credit, securing the financial support you need can feel like an uphill battle. Traditional lenders often place significant emphasis on your credit score, making it difficult for those with less-than-perfect credit to access loans. At Fundo, we understand that your credit score doesn’t always reflect your current financial situation. That’s why we offer small loans starting from $500, considering more than just your credit history.
Our fast online application process ensures that even those with bad credit can get approved quickly. Whether you need a loan for an unexpected bill, a financial emergency, or another short-term expense, Fundo is here to provide the support you need right away. Thousands of Australians have already signed up for Fundo, taking advantage of our fast approval times and accessible loan options.
At Fundo, we also offer flexible repayment options to make managing your loan easy. Whether you prefer a shorter repayment term or need more time to settle your loan, Fundo’s small loans are designed to provide financial flexibility while helping you address your immediate needs.
Can I get a personal loan from Fundo with bad credit?
Yes, Fundo considers more than just your credit score. While we may conduct a lorem ipsum as part of our responsible lending practices, we focus on your current financial situation and ability to repay the loan. Even if you have bad credit, you may still qualify for a loan.
How fast can I get approved for a personal loan with bad credit?
Fundo’s online application process is fast and straightforward. Once submitted, your application is reviewed promptly, and you can often receive approval the same day. After approval, funds are typically transferred within hours, depending on your bank’s processing times.
What can I use a personal loan from Fundo for?
Fundo’s small loans can be used to cover various short-term financial needs, such as emergency bills, personal expenses, or other unexpected costs.
How flexible are Fundo’s repayment options?
Fundo offers flexible repayment plans that are designed to fit your financial situation. Whether you need a shorter or longer repayment period, Fundo ensures that managing your loan is easy and stress-free.




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.
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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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