Ready. Set. Loan.
Same day funds up to $5,000
Same day funds up to $5,000
When searching for ‘short term loan bad credit’, you may find yourself wondering what the difference is between a traditional personal loan and a short-term loan. Well, at Fundo, we’re all about keeping things simple for you. 

Short-term loans are all about getting you the cash you need quickly and without fuss. Unlike traditional loans, which may require an asset as security or even a loan guarantor, short-term loans are typically unsecured. This means you aren’t required to put up your car or other valuable assets as security. 

We understand that life can throw a curveball when you least expect it. That’s why Fundo is all about transparency; what you see is what you get when it comes to our loans. No hidden fees or charges, no confusing jargon, and no complicated legal talk – just easy, straightforward lending to help you navigate life’s little surprises.

If you borrow responsibly and make your repayments on time, then small personal loans can indeed help improve your credit history. By consistently demonstrating good repayment habits, you signal to future lenders that you’re a reliable borrower. This can slowly help rebuild your creditworthiness and possibly improve your credit score.

It’s also important to avoid falling into a cycle of debt, especially when you’re interested in ‘short term loan bad credit’. Only borrow small cash loans that you can comfortably repay, and always meet your payment deadlines. 

So yes, while Fundo’s short term loans could contribute to a better credit score, it’s also vital to consider all aspects of your financial situation. We encourage you to make informed decisions by offering transparent loan terms; we want to make your life more comfortable, not the other way around.

Improving your credit score requires time and a consistent track record of good financial habits. That’s why we at Fundo do our best to lend responsibly – we don’t want to put you in undue financial difficulty.

When you’re looking up your options for ‘short term loan bad credit’, the question of repayments is likely also at the top of your mind. You’ll be glad to know, then, that we’ve designed the repayment periods for our small loans to be flexible, giving you breathing space if you need it.

We want to ensure that your loan is manageable for you so that you don’t have to keep searching for terms like ‘short term loan bad credit’.

Fundo also believes in a no-fuss, no-complications approach to lending. That’s why we offer flexible repayments, a swift approval process, and no hidden fees or charges. It’s all part of how we make short-term quick loans easy and stress-free for our customers.

Absolutely, and Fundo is one of them. Life is full of unexpected twists and turns, and these circumstances can sometimes leave a mark on your credit score. But don’t worry – if your browser search history is filled with terms like ‘short term loan bad credit’, then we’ve got your back.

Applying for a Fundo loan is easy and convenient, as the entire process is completely online. You’ll need to meet our minimum requirements:

We may conduct a credit check with your express consent before approving your application, but this credit check is just a small part of our decision-making process. At Fundo, we focus more on your current ability to meet your payments than your past financial situation. 

If your application is submitted and approved within business hours, you could even have the money released to your bank account on the same day! If it takes a bit longer for you to receive an approved loan, don’t worry. Sometimes, banking processing delays happen, and the funds might be released the next day instead.

So, if you’re looking for a lender for ‘short term loan bad credit’ or similarly quick loans online, then you’re in the right place. At Fundo, we’re all about making loans simple, quick, and tailor-made to your needs.

Increase your Fundo Credit Score to boost your chance of getting approved on your next loan.
Loan amount from $500 to $2000
Minimum 91+ days to maximum 6
months
20% establishment fee and a flat
4% monthly fee4
Loan amount from $2001 to $5000
Minimum 91+ days to maximum 2 years
$400 establishment fee, interest at
47.80% p.a. (comparison rate 66.58% p.a.)5
4 Fees are based on loan principal advanced.
5 The comparison rate is specific to a $2,500 loan over a two-year term with a $400 establishment fee and fortnightly repayments. Any deviation in loan amount, term, or additional fees and charges can result in a different comparison rate, and the given comparison rate only applies to the presented example.
6 The example assumes timely repayment as per the loan agreement, or additional fees and charges may apply.
¹As soon as you sign your contract and if all other requirements have been met, we instantly send the funds to your nominated bank account. If your bank works with the New Payments Platform (NPP), most customers see funds in their account within 60 seconds. If your bank is not NPP enabled, or it is a weekend or a public holiday, the funds are usually received by the next business day. Fundo cannot guarantee that loan funds will be received within 60 seconds
²Applying for a loan with Fundo usually takes about 3 minutes. However, this time can change based on a few things, such as your typing speed, the device you're using, and whether you have all the necessary information ready to go.
³As the approval process is influenced by various external factors, we can't guarantee that you'll receive a decision on the same day. However, most of our customers do receive a same-day response to their application with Fundo, if they submit their loan application and all the requested supporting information by 4pm Sydney time during a regular business day.
We typically respond within 2 min or sooner.