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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AI Innovation
Award 2024
Facing financial challenges with bad credit can be stressful, especially when urgent expenses arise. Traditional lenders may turn you away due to your credit history, but at Fundo, we believe in looking beyond just your credit score. Our mission is to provide short-term loans that are accessible to all Australians, regardless of their past credit struggles.
With Fundo, securing your loan is more straightforward than scouring the internet for options like same day pay loans for bad credit. We offer:
Our goal is to make short-term funding easier for those who need it most, especially for one-off unexpected expenses. Whether it's an urgent car repair or household fixture improvement, our loans are designed to assist you effectively.
Forget hunting down options like secure payday loans for bad credit. At Fundo, we simplify borrowing through:
To access a Fundo loan, ensure you meet these straightforward criteria:
As a borrower with us, you can also benefit from our Fundo Customer Score. This unique scoring system rewards responsible financial behaviour, such as timely repayments, helping you improve your chances of one day securing larger loans.
Ready to experience a seamless borrowing process? Click 'Apply Now' on our homepage and enter your loan amount along with your personal details. Existing customers can even apply with just three easy clicks!
Don’t let bad credit hold you back. Choose Fundo for your financial needs and stop searching for borrow money now or cash loans bad credit. Applying for funds has never been this straightforward. Get started now!




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.
We typically respond within 2 min or sooner.