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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Searching for really bad credit loans? Having a very poor credit history can be a major hurdle when applying for loans, but Fundo understands that financial difficulties happen. We offer small loans starting from $500 and assess your current financial situation, providing fast approval even if your credit score is less than perfect.
Can I get a loan with really bad credit?
When you have really bad credit, finding a lender that’s willing to approve your loan application can be difficult. Many traditional lenders may turn you down due to your credit score. However, at Fundo, we understand that financial circumstances can change, and we provide an option for those with bad credit. Our small loans, starting from $500, are designed to be accessible even if you have a less-than-perfect credit history.
Fundo considers more than just your credit score. We assess your verified income and financial health to ensure that you’re able to manage repayments without being left worse off. With a fast and easy online application, you can get the funds you need quickly, even with bad credit.
How does Fundo help people with really bad credit get a loan?
Fundo’s process is tailored to help people with really bad credit. Here’s how we approach your application:
Fundo ensures that you have access to clear, transparent terms, and flexible repayment options, even if you’re dealing with poor credit.
FAQs
Can I get a loan with really bad credit?
Yes, Fundo offers small loans for individuals with bad credit. We focus on your financial health and verified income rather than just your credit score.
What can I use a Fundo loan for?
Fundo loans can be used for urgent personal expenses such as medical bills, car repairs, or unexpected purchases. However, Fundo does not offer loans for debt consolidation or paying off existing loans.
How fast can I receive the funds?
If approved within business hours, you could receive the funds the same day. Otherwise, the funds will be deposited by the next business day.
Do I need a lorem ipsum?
A lorem ipsum may be required as part of the assessment process, but we also evaluate other factors such as your verified income and ability to make repayments.
Can I improve my Fundo Customer Score?
Yes, making on-time repayments and providing feedback can help improve your Fundo Customer Score, increasing your chances of approval for future loans.




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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