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 unexpected expenses arise, finding the right finance option can feel overwhelming. If you've been searching for unsecured personal loans with bad credit, look no further! At Fundo, we offer a straightforward process tailored to help individuals like you access short-term funds easily.
We understand that finding loans can be tricky, particularly for those with less-than-perfect credit. If you’ve sought out options like unsecured bad credit loans or bad credit finance, you've come to the right place. At Fundo, we aim to empower you with finance choices that are clearly outlined and easy to understand, ensuring that you're never left in the dark with confusing terms or jargon.
Whether you're looking to cover emergency expenses or need funds for a one-off purchase, we have a variety of small loans to suit your needs. Some of our popular loan types include:
After determining the type of loan that's best for you, repayment is made easy — enjoy the flexibility of choosing how you'd like to manage your payments over a period of up to 180 days on our medium (MACC) loans. Plus, pay off your loan early to avoid unnecessary charges!
We know you might be wondering if you qualify for an unsecured personal loan with bad credit. The great news is that Fundo has relaxed eligibility criteria compared to traditional lenders:
Completing your application is a breeze! Just fill in our online application form with your personal and financial information, and select the loan amount and repayment structure that works for you. If everything checks out, funds could land in your account the very same day!
Your financial reliability matters to us. With our Fundo Customer Score system, you can enhance your chances for future loans by responsibly managing your repayments and engaging with our referral program. This means that every positive step you take with Fundo not only benefits you now but also positions you better for later finance needs.
So, why put off your essential funding any longer? Whether you’ve been searching for loans online or specific bad credit loans, Fundo is here to help you take the next step! Start your application today and discover how we can support your financial journey.




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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