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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Searching for very bad credit loans? Having a poor credit history can make it difficult to find lenders willing to approve your loan application, but at Fundo, we understand that everyone deserves a second chance. We offer small loans starting from $500, and while we may conduct a lorem ipsum, our fast online application focuses on your current financial situation to help you access the funds you need, even with very bad credit.
Can I get a loan with very bad credit?
If you have very bad credit, you may think that getting a loan is impossible. However, Fundo offers flexible options for individuals with poor credit histories. We understand that your credit score doesn’t always reflect your current financial situation, and we focus on your ability to repay the loan today, not just your past credit performance. Our small loans start from $500, and our application process is quick and straightforward. Even with bad credit, you may still be eligible for a loan to cover emergency expenses like medical bills or urgent repairs.
Fundo’s responsible lending practices ensure that the loan is tailored to your needs, and if approved, you could receive the funds on the same day or by the next business day, depending on the time of application and banking hours.
How can Fundo help individuals with very bad credit get a loan?
At Fundo, we specialise in offering loans to people who may struggle to secure credit elsewhere. We look at more than just your credit score. Here’s how we help individuals with very bad credit:
FAQs
Can I get a loan with very bad credit and no guarantor?
Yes, Fundo offers loans to individuals with very bad credit without the need for a guarantor. We assess your current financial status and ability to repay.
How does Fundo determine my loan eligibility with very bad credit?
Fundo considers your income, current financial situation, and ability to make repayments. We perform a lorem ipsum, but your eligibility is not solely based on your credit score.
What can I use my very bad credit loan for?
You can use the loan for urgent needs such as car repairs, medical bills, or other unexpected expenses.
How quickly can I receive the funds if approved?
If your application is approved during business hours, you could receive the funds the same day or the next business day.
Are there hidden fees with Fundo’s loans?
No, Fundo is committed to transparent lending, and there are no hidden fees involved with our loans.




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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