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
Many individuals encounter urgent financial needs, whether to tackle an unforeseen expense or to cover a short-term cash gap. This is where short term lenders for bad credit come into play. While traditional banks and credit unions may take time to process applications, alternative lenders like Fundo can provide swift assistance. We are an online lender dedicated to offering short-term loans tailored for Australians, including those who may not have the best credit profiles. We prioritise hassle-free access to funds, ensuring a smooth borrowing experience.
Fundo understands what it takes to provide exceptional service in times of need. Our loans are straightforward and affordable, designed with your convenience in mind. Here’s why choosing Fundo can make a difference for you:
If you’ve been exploring short term lenders for bad credit or searching for quick payday loans, you may have discovered various lending options available. At Fundo, we offer a range of small loans, enabling you to select the perfect fit for your financial requirements. You can apply for emergency loans and even purpose-specific loans that cater to your unique financial needs.
Our loans have durations designed for your convenience, with options that allow repayment over a period of up to 180 days. Should you feel financially comfortable, you also have the flexibility to pay off your loan early—another way we aim to make financing hassle-free.
To qualify for one of our loans, you need to meet some basic eligibility criteria:
If you meet these simple requirements, there’s no need to continue searching for options like online loans. Start your application with Fundo today! Input your details, contact information, and desired loan amount into our application form, and submit. You can receive same-day approval and quick funds access if you apply within business hours and meet the necessary criteria.
And don't forget about your Fundo Customer Score! You can check your score to understand your approval chances. Engagement such as timely loan repayment and referring friends can help increase your score, enhancing your borrowing power for future needs.
So, if you’ve been on the hunt for short-term financing, why wait? Contact us at Fundo now and secure your loan 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.
We typically respond within 2 min or sooner.