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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AI Innovation
Award 2024
If you're struggling to find an unsecured bad credit loan, we know it can feel daunting. Many traditional lenders might overlook your application simply because of your credit history. But at Fundo, we believe that every financial situation deserves a fresh look. Our mission is to make short-term loans accessible for all Australians, understanding your unique circumstances with every application.
If you need an unsecured bad credit loan for a one-off expense, you've come to the right place. We’ve simplified the lending process, ensuring you won’t waste time waiting for approval. Once you accept the loan contract, funds will hit your account within 60 seconds—efficient and effective!
Why continue to search for unsecured bad credit personal loans or Personal Loans? With Fundo, you’re not just another application; you're treated like family. Our commitment to your financial growth means that we consider all your circumstances while making lending decisions.
Meeting our straightforward eligibility criteria can help you secure your loan:
If you fit these criteria, fill out our application form and see how we can assist you. Same-day approval is possible for applications submitted during business hours!
At Fundo, we understand the importance of responsible borrowing, which is why we reward customers for their good financial behaviour—helping you increase your Fundo Customer Score. With great incentives for timely repayments and referrals, you can improve your chances of future loan approvals.
So why keep searching for easy-to-get loans or feel disheartened by other lenders? Join the Fundo family today and discover how we can support your financial needs efficiently!




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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