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
Finding a personal loan to cover unexpected costs like car repairs or urgent home improvements can feel challenging, especially if you have a less-than-perfect credit score. Traditional banks often have lengthy application processes with heaps of documentation required, making it hard to secure funding when you need it most. When looking up options like ‘personal loans with bad credit’ or loans under $1000, you may find it frustrating that many lenders fall short of meeting your needs.
That’s where Fundo comes in! We understand the urgency of your situation and are committed to making the financing process as seamless as possible. No convoluted paperwork or indefinite waiting periods here! With us, responsive service means that rather than waiting weeks, you’ll get a decision in just days. We offer short-term loans tailored for Australians, even if you have bad credit.
When you've searched for ‘personal loans with bad credit’, you might have found different options like quick loans for bad credit or payday loans for bad credit. It's essential to understand the available options fully so that you choose the best one for your needs. At Fundo, we provide a range of small loans that cater to various financial situations. Explore choices like emergency loans or home renovation loans to find the perfect fit for your current expenses.
Once you select the loan type you need, you can easily set repayment schedules that make sense for you. We allow repayment within up to 180 days for a MACC loan, providing flexibility for your budgeting. Early repayment is also permitted—allowing you to avoid any monthly account fees. Throughout your loan term, access your dashboard to manage repayments and get insights on making smart financial choices.
Fundo’s loans are geared toward individuals aged over 18 currently residing in Australia with a verified income of at least $1,000 per fortnight, including government benefits. Your ability to repay the loan is essential, and we’ll support you in demonstrating that you won't be financially worse off by taking on a Fundo loan.
Your Fundo Customer Score can also give you insights into how likely you are to qualify for a loan. Boost your score by borrowing responsibly and making on-time payments. This helps to enhance your chances of loan approval down the track!
Ready to move forward? Click 'Apply Now' on our homepage to get started. It's simple—just fill out your contact details and desired loan amount. Our streamlined process includes three-click applications for returning customers, and if you apply during business hours, you could receive an approval notification and have the funds hit your account the same day!
No more searching for '24/7 loans'—get started with your application at Fundo today!




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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