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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Struggling with bad credit shouldn't mean you miss out on getting the financial help you need. Many people face challenges when navigating traditional lending processes related to small loans with bad credit. At Fundo, we believe everyone deserves a chance, regardless of their credit history. That's why our goal is to provide you with short-term loans that consider your unique situation.
As an Australian-owned direct lender, we pride ourselves on offering accessible and flexible repayment plans tailored to everyday Australians. Whether you're faced with an unexpected expense or looking for a bit of financial breathing room, we’re here to help. Applying for a loan shouldn’t be a headache, which is why we've simplified our application process to be straightforward and easy to understand.
If you're in urgent need of funds, a small loan could be the solution you're looking for. We understand that your time is valuable, which is why our streamlined loan application process ensures you won’t be left waiting for weeks. With Fundo, you can expect:
Fundo provides a variety of loans to cater to different needs. For instance, if you’re considering improving your home, check out our home renovation loans. Even if you’re just looking for a little extra cash for an urgent expense, our emergency loans might be perfect for you. Additionally, we reward responsible borrowing habits; if you repay your loan before the due date, you could save on fees!
Curious about your eligibility for a loan? Fundo has simplified our qualifying criteria to make it accessible to as many people as possible. To apply for our small loans, you must:
Your financial wellness is our priority! You can track your loan through our self-service dashboard for added convenience. Wondering how to enhance your chances for approval? Consider managing your financial habits and improving your Fundo Customer Score. Pay your bills on time and maintain a low number of existing loans, and you’ll be in a great position.
If you're tired of exploring options for small loans online with instant approval or 100% acceptance, look no further than Fundo. Fill out our straightforward application form and you could receive the funds in your account within 60 seconds of contract acceptance, provided you apply during business hours!
Don’t let bad credit hold you back any longer. Start your application today and unlock the financial support you need!




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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