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 a challenging financial situation and require quick bad credit loans, look no further than Fundo. Traditional lenders often come with stringent requirements and extensive paperwork—which can make getting the funding you need feel overwhelming. That’s why many Australians are opting for faster, more flexible alternatives. Fundo offers short-term loans tailored for those who may have a less-than-perfect credit history. With our streamlined process, you can navigate through the application without unnecessary red tape.
With Fundo, securing a small loan with a manageable repayment plan is easier than ever. You can complete your repayment term in just up to 180 days for a MACC loan, allowing you to stay on top of your finances. Each borrower has the flexibility to use their funds on urgent needs—whether it’s for emergency repairs or unexpected expenses.
By repaying your loan early, you'll not only avoid monthly account fees but may also enhance your chances for better terms on future loans with Fundo. Plus, our self-service dashboard offers real-time updates about your loan status and personalised tips to enhance your financial well-being.
Getting started is simple! To qualify for a Fundo loan, just meet the basic requirements including being at least 18 years old and having a verified income of at least $1,000 per fortnight—this includes government benefits. Our Fundo Customer Score can also help you evaluate your eligibility and improve your borrowing opportunities.
Ready to take the next step? Click 'Apply Now' on our homepage to begin your application. Fill out your details and loan amount, and if you’re a returning customer, you can breeze through the process in just three clicks! You might receive approval notifications and have your funds ready for use on the same day if your application is submitted within business hours. There's no need to keep searching for options—Fundo is your go-to for quick bad credit loans. Apply 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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