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
When you encounter unexpected bills or important costs, small loans can be a fantastic solution to get the cash you need swiftly. If you're searching for options despite your past credit issues, you might feel overwhelmed by traditional lenders that often deny applications for small loan bad credit scenarios. At Fundo, we believe everyone should have access to financial support, regardless of their credit history.
Unlike many mainstream lenders, we understand that your past does not define your present ability to manage repayments. Our approach as an alternative lender is designed to be more inclusive. We focus on creating opportunities for Australians who seek matchless short-term loans without the stigma of poor credit.
Searching for loans can often feel like a long and stressful journey. To alleviate that stress, we're proud to present our streamlined loan offerings tailored for those seeking small loans with bad credit histories. Some of our excellent loan options include:
Let us simplify your funding needs. With Fundo's user-friendly self-service dashboard, you can effortlessly manage your loan and stay informed about your payment terms.
Late-night expenses or unforeseen circumstances don’t wait, and neither should you! If you've been on the hunt for quick loans, forget about the hassle with options like Instant Cash Advance Online Payday Loan. At Fundo, our eligibility is straightforward, allowing you easy access to funds. Our minimum requirements include:
Meet these criteria and you can apply for a loan with Fundo through our quick and seamless online application form! If you submit your application during business hours, you could receive funds in your account within 60 seconds from contract acceptance.
Wondering if you qualify? Check your Fundo Customer Score to gauge your eligibility. By consistently managing your loans and advocating good financial behaviour, you can see improvements in your score, making future loans even more accessible.
Don't let past credit challenges hold you back. Start your journey with Fundo by applying for a small 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.
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