Ready. Set. Loan.
Same day funds up to $5,000
Same day funds up to $5,000
When dealing with urgent loans, bad credit isn’t always the deal-breaker many assume. We at Fundo are specifically geared to assist in such situations. Unlike traditional banks, which tend to enforce stringent policies on loans, we’ve charted a different course. We offer a system that’s more inclusive and doesn’t require any security at all.

At Fundo, we look beyond your credit score. We assess your repayment capability and overall financial picture, aiming to offer short-term loans that benefit you and help in your time of need. We have crafted our processes with the sole intent of simplifying your loan journey, making it smooth and hassle-free, so you can focus on navigating your financial situation rather than fretting over strict loan conditions.

We acknowledge that credit history may have its highs and lows and that everyone deserves a fair chance. In line with this, we have developed a unique Fundo Credit Score system that recognises and rewards responsible and timely repayment habits. 

For each payment that you make on time or ahead of schedule, your Fundo Credit Score increases, promoting better credit health over time. We also reward customer interactions such as sharing feedback and referring friends, which can further boost your Fundo Credit Score. 

The higher your Fundo Credit Score, the better your chances are of being approved for a future Fundo loan. This innovative scoring system is designed to make sure that if you’re in the market for urgent loans, bad credit can still be worked with. 

No, rapid loans for individuals with bad credit do not always require a co-signer. At Fundo, we’ve intentionally designed our online loans to be as flexible as possible, catering to the different circumstances that our customers face. Our small to medium loan amounts do not require a co-signer. 

We are well aware that each person’s financial situation is distinct. At Fundo, we believe that when you need urgent loans, bad credit shouldn’t deter you from exploring your options. 

Therefore, we have made a conscious effort to provide loan processes that are flexible, swift, and simple, easing financial pressure without causing additional strain on your personal relationships.

When applying for easy, fast loans with Fundo, you must:

Enhancing your credit score while repaying an urgent personal loan involves disciplined and consistent financial behaviour. 

First, ensure timely repayments, as this has a significant impact on your credit score. If possible, attempt to pay more than the minimum required, which can expedite your debt reduction and improve your score. 

Aim to keep your outstanding debt and credit utilisation ratio low. It’s also a good idea to repay existing debts before applying for new credit, as multiple applications can negatively impact your credit score. Regularly monitor your credit report for errors and dispute any inaccuracies with the credit bureau.

Lastly, managing a diverse mix of credit types responsibly can positively affect your score. Remember, credit score improvement is a gradual process that requires patience and persistence. But as your credit score improves, more favourable credit opportunities may become available to you, so you won’t have to keep looking up ‘urgent loans bad credit’. 

Interest rates for fast, instant cash loans can vary depending on the lender. These rates depend on multiple factors, such as market trends and individual credit status. 

At Fundo, we’re committed to maintaining a fair and responsible lending practice. All our fees are in line with industry standards and the law. Furthermore, we maintain full transparency in our operations, eliminating any hidden fees or charges. 

We recognise that financial emergencies can happen to anyone, regardless of credit history. Hence, we aim to make quick loans accessible to you, even if your credit score isn’t perfect, so you won’t have to settle for searching terms like ‘urgent loans bad credit’ just to access financing. 

We firmly believe in providing a clear, comprehensive, and fair funding experience and supporting you in challenging times. If you need a quick loan, apply today!

Increase your Fundo Credit Score to boost your chance of getting approved on your next loan.
Loan amount from $500 to $2000
Minimum 91+ days to maximum 6
months
20% establishment fee and a flat
4% monthly fee4
Loan amount from $2001 to $5000
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 The comparison rate is specific to a $2,500 loan over a two-year term with a $400 establishment fee and fortnightly repayments. Any deviation in loan amount, term, or additional fees and charges can result in a different comparison rate, and the given comparison rate only applies to the presented example.
6 The example assumes timely repayment as per the loan agreement, or additional fees and charges may apply.
¹As soon as you sign your contract and if all other requirements have been met, 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 it is a weekend or a public holiday, the funds are usually received by the next business day. Fundo cannot guarantee that loan funds will be received within 60 seconds
²Applying for a loan with Fundo usually takes about 3 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.
We typically respond within 2 min or sooner.