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
Finding the right loan can feel overwhelming, especially if your credit history isn't perfect. If you’re in need of prompt cash for an unexpected expense but worry about your credit score, look no further! When it comes to small loans for bad credit in Australia, Fundo has got your back. We understand you need quick access to funds without all the red tape. That's why we keep the process simple and straightforward! Check out Fundo's page on small loans for bad credit to learn more.
Whether you need small loan providers or small cheap loans, choosing Fundo means you have the potential for approval even when others might turn you away. Our short-term loans come with repayment terms of up to 180 days, and with early repayments, you can even sidestep unnecessary fees. Plus, exhibiting responsible repayment behaviour may improve your chances for future loans.
As you explore options for small loans for bad credit in Australia, remember that our borrowing policies are straightforward. All you need is to be over 18 years of age, currently living in Australia, and earning at least $1,000 per fortnight (which can include government benefits). It’s crucial that you can show you’ll manage repayments comfortably without putting yourself in a difficult financial position.
Forget typing "need a personal loan fast” or “low-cost payday loan” into your search bar; applying for a loan at Fundo is refreshingly simple. Fill out our online form with your personal and contact information, along with the amount you wish to borrow. In just a few clicks, you could secure your funds.
Did you know that Fundo offers something special to foster good financial habits? Our Fundo Customer Score rewards you for timely repayments and engagement with our services. The higher your Fundo Customer Score, the better your chances are for future approvals. This way, you can take control of your borrowing and make every loan work in your favour!
If you’re tired of searching for online loans only to feel frustrated, it’s time to take action with Fundo. Your solution for small loans for bad credit in Australia is just a click away—apply now and see how we can help you manage the unexpected expenses life brings!




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.
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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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