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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In need of a short-term loan despite bad credit? Managing financial emergencies with a poor credit score can be challenging, but at Fundo, we offer small loans starting from $500. While we may conduct a lorem ipsum, we focus on your overall financial situation to ensure you can still access the funds you need, with a fast and easy application process.
Can I get a short-term loan with bad credit?
Yes, obtaining a short-term loan with bad credit is possible. At Fundo, we understand that financial setbacks happen, and your credit score may not always reflect your current situation. We focus on your overall financial health and your ability to repay the loan rather than just your credit history. Our short-term loans start from $500, providing you with fast access to funds for urgent expenses, even if your credit score isn’t perfect.
Fundo offers an easy online application process that allows you to apply from the comfort of your home, and if approved, you could receive your funds as quickly as the same day. Whether it’s medical bills, car repairs, or other unexpected costs, Fundo’s short-term loans can help you manage financial emergencies with ease.
What are the eligibility requirements for short-term loans with bad credit at Fundo?
Fundo provides short-term loans with flexible eligibility criteria to ensure you can manage your repayments:
These requirements allow us to ensure that our loans are responsible and manageable, giving you access to funds without added financial stress.
FAQs
Can I still apply for a loan if I have bad credit?
Yes, Fundo considers applications from individuals with bad credit, focusing on your current financial situation and ability to repay rather than solely your credit history.
How fast can I receive the funds?
If your loan application is approved during business hours, you could receive the funds on the same day or by the next business day, depending on your bank’s processing times.
What can I use my short-term loan for?
Fundo’s short-term loans can be used for various urgent financial needs, such as medical bills, car repairs, or unexpected expenses.
Do I need a payslip to apply for a loan?
No, Fundo assesses your overall financial situation, including your income from government benefits or other sources, so a payslip is not required.




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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