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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If you’re asking, Who will give me a loan when no one else will in Australia?, you’re likely facing financial challenges that have made it difficult to secure approval from traditional lenders. Whether due to a low credit score or irregular income, many people feel stuck without loan options. Fundo offers small loans starting from $500, with a more flexible approach to lending. While we do consider your financial situation, we focus on offering responsible loans that fit your needs when others won’t.
What can I do if no one else will approve my loan application in Australia?
If you’ve been turned down by traditional lenders like banks or other financial institutions, it can be frustrating to figure out where to turn next. In Australia, not all lenders use the same strict criteria to assess loans, so it’s still possible to find alternatives. Fundo is one of the lenders that focuses on providing small loans, even to those who may not qualify through other sources. We consider more than just your credit score and focus on your overall financial situation, including income from non-traditional sources like government benefits.
Fundo offers loans starting from $500 with a simple, online application process. Even if you’ve been denied by other lenders, we provide a chance to access the funds you need, based on your current ability to repay rather than your past credit history.
How can I get a loan when traditional lenders say no?
When you’ve been rejected by traditional lenders, Fundo can offer a fast and flexible solution. Here’s how our loan process works:
FAQs
Can Fundo help if I’ve been denied by other lenders?
Yes, Fundo can provide a loan even if you’ve been denied elsewhere, as we consider a range of factors, including your income and current financial circumstances, rather than focusing solely on your credit score.
What’s the minimum income requirement for a Fundo loan?
You need to have an income of at least $1,000 per fortnight, including government benefits, to be eligible for a loan.
Can I still apply for a loan if I’m receiving Centrelink benefits?
Yes, if your total income meets the required threshold, including Centrelink benefits, you can apply for a Fundo loan.
How quickly can I get the loan after approval?
If you apply and are approved during business hours, you could receive the funds on the same day or by the next business day.
What can I use the loan for?
You can use your Fundo loan for a variety of needs, including unexpected expenses like medical bills, car repairs, or urgent household costs.




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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