I Need Money Desperately

Are you tearing your hair out (or beard, if you’re not hirsute) shouting “I Need Money Desperately!” It could be for a variety of reasons - and thousands of Australians may be in the same financial strife as you. They might have heard the “crunch” of a car accident, the sputter of a car engine dying, or been informed that they need to have surgery or dental work right now, otherwise complications might arise. Perhaps their whitegoods have given up the ghost or their laptop they do all their school or paid work on is no longer booting and a replacement is required, stat! 

All this costs a lot of money - upfront too. Coming up with thousands - even hundreds - of dollars can be a challenge for most people, especially when costs of living are so high.

That’s where Fundo can help. We offer quick cash loans ranging from $500 to $5,000 with flexible, easy to follow repayment terms that won’t break the bank. All you need to do is check that you’re eligible, make your way to the Fundo Dashboard, answer a few simple questions and you’re done! Wait for your approval to come through and you could have the funds hit your PayID/Osko bank account within 60 seconds after you’ve given the thumbs up to your loan agreement. It couldn’t be easier - and if there was an easier way, Fundo would offer it!

YES - we help out people with bad credit and/or receiving Centrelink or government benefits. If you need money desperately and aren’t sure where to turn, Fundo has your back with small and medium cash loans from $500 to $5,000.

I Need Money Desperately, But What Are the Criteria?

You may need money desperately to pay off an urgent expense, but you must fulfill the lending criteria first. This is our duty of care to you as responsible lenders. The criteria (2024) are:

• Being at least 18 years old
• Living in Australia
• Earning $1,000 per fortnight - through work or benefits such as Centrelink
• Being able to verify the income if asked.

If you clear all those requirements, you can apply for a small loan and go from desperately needing money to loan done and dusted! You can borrow between $500 and $5,000 with flexible terms, fixed fees or interest, transparent charges, and knowing exactly what to expect upfront. There’s nothing hidden at Fundo. It’s just easy and flexible - the way funding should be!

I Need Money Desperately FAQs

I’m desperate for money but have bad credit. Can I get money fast?

Absolutely! At Fundo, we aim to offer a second chance in finance to people from all backgrounds, including those with bad credit alongside those receiving Centrelink benefits. We recognise that each person's financial circumstances are different, and we do not judge you based on your history. We look at your current financial situation to see if you qualify for a small or medium loan. We typically skip the credit check if it's not necessary. Begin the application process by accessing our dashboard, available 24/7. As soon as your agreement is confirmed, the funds will be available to you in just 60 seconds (if you have Osko/PayID)!

I'm feeling a little uncertain about a part of my loan agreement. What should I do?

We work hard to ensure that all the details in your loan agreement are shared in a way that is easy to follow and understand. It's important to fully understand any agreement before you accept it, even if it's from your friends at Fundo!

If you need any help, please don’t hesitate to contact us by emailing hello@fundo.com.au, calling us at 1800 161 391, or using our live text chat. Our welcoming team is here to assist you from 9am to 6pm on weekdays, 9am to 5pm on Saturdays, and 9am to 1pm on Sundays (AEST).

I am desperate but cannot pay the loan back within a week, is that okay?

We don’t prey upon desperation - we are responsible lenders and want to empower Australians with small loans. Our small loans ($500 to $2,000) have flexible repayment terms ranging from five to 20 weeks, with medium loans having terms between nine to 26 weeks. You can even repay your loan early without penalty. 

Is the Fundo dashboard user-friendly?

Absolutely! Simply open the Fundo Dashboard and provide your basic information, including your contact details and the loan amount you need. If you meet the requirements and apply during business hours, you could receive your funds in just 60 seconds after agreeing to our terms. Previous customers can re-apply by following three easy steps. The dashboard is accessible on iPhones, Android phones, tablets, PCs, Macs, laptops, and iPads, as long as you have internet access.

I have gone through bankruptcy and am now discharged. Is it possible for me to obtain an instant loan?

At Fundo, we consider applications from all customers who meet our eligibility criteria. Being discharged from bankruptcy doesn’t automatically disqualify you from applying. We review each application on its own merits, considering a variety of factors, including your current financial situation and ability to repay the loan. If you’ve been discharged from bankruptcy and are seeking a small loan, you’re welcome to apply. Our assessment process ensures every application is reviewed fairly and transparently. If you have any questions or need clarification, feel free to reach out to us by calling, using our text chat, or emailing hello@fundo.com.au.