Unsecured Loans Bad Credit Instant Decision
Same day funds up to $5,000
Same day funds up to $5,000
Finder
We approved 320+ loans in the last 24 hours!
We understand that getting a loan can be daunting, especially if your credit score isn’t in the best shape. When searching for unsecured loans bad credit instant decision, it can feel as though traditional lenders are only looking for the perfect profile. But that’s not how we operate at Fundo! Our mission is to make short-term loans accessible to all Australians, regardless of their credit history. We evaluate each application on an individual basis, helping those who might otherwise miss out.
Imagine being able to tackle an emergency or important one-off expense without the stress of lengthy waiting periods. With Fundo, you won’t have to wait weeks for a response. Our streamlined application means you can get the financial help you need when you need it most.
While navigating through options for unsecured loans bad credit instant decision, you might come across various alternatives. At Fundo, we offer a range of small loans to suit your financial needs, including:
Once you choose the loan type, rest assured you can easily repay it over a period of up to 180 days. You can select weekly, fortnightly, or monthly repayment schedules that work for you. Plus, if you prefer to settle your loan early, there are no monthly fees to worry about!
Our user-friendly self-service dashboard allows you to manage your loan repayments effortlessly. Track your payment details, view terms, and get tips for sound financial choices—all in one place. Whatever your reason for needing a personal loan may be, we’re committed to helping you find the perfect solution.
Ready to maximise your chances of approval? Learn more about the Fundo Score. By maintaining positive financial behaviours—like making timely repayments and referring friends—you can increase your Fundo Score over time. A higher score means better loan offers and quicker approvals for future applications!
To qualify for a loan, you must currently reside in Australia, be at least 18 years old, have a minimum verified income of $1,000 per fortnight (including any government benefits), and show an ability to repay without worsening your financial condition.
If you’re looking to apply for a quick, short-term loan that understands your unique needs, fill out our simple application today! With Fundo, you’re in great hands for all your financial requirements. Don’t look elsewhere; your ideal lending partner is right here!
Safe
and Secure. 5 min
application²
Kim S.
Ellie P.
Robert D.
Safe
and Secure. 5 min
application²
Safe
and Secure. 5 min
application²
Loan amount from $500 to $2,000
Minimum 91+ days to maximum 6
months
20% establishment fee and a flat
4% monthly fee4
Loan amount from $2,001 to $5,000
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 Comparison rate is based on an unsecured loan of $2,500 over a term of 2 years.
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.
6 The example assumes timely repayment as per the loan agreement, or additional fees and charges may apply.
Safe
and Secure. 5 min
application²Terms and conditions and fees and charges apply. Approval and loan amount are subject to our credit assessment criteria.
¹As soon as you sign your contract, 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 its a public holiday, the funds are usually received by the next business day
²Applying for a loan with Fundo usually takes about 5 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.
Fundo is an Australian direct lender that offers short-term, small loans without any legal jargon or red tape. Our online loans are designed to provide access to a broad range of qualified applicants, including those with less-than-perfect credit.
Finding small loans with flexible repayment terms is now a reality with Fundo - no need to keep searching for 'Debt Consolidation Loans Bad Credit', 'Personal Loan With Fast Approval', or '24 Hours Cash Loans'. Applying for Fundo loans in the future gets more engaging when you pay off your loans in advance penalty-free while also increasing your chances for approval.
Fundo believes that eligible applicants should be able to get closer to the loans they need. If you've been looking for small cash loans through search terms like 'Instant Approval Loans Need Cash Today', 'Payday Loans No Credit Check', or 'Savvy Loans', then you can stop looking now - let us show you how easy it is to apply for a loan with Fundo.
We typically respond within 2 min or sooner.
I'd like to borrow ($500 - $5000)
