$500 - $5000
between $500 - $5000
up to 180 days
20% upfront establishment
fee 4% monthly fee

Small LOAN

Loan amount from $500 to $2000
Minimum 91+ days to Maximum 6 months
20% Establishment Fee and a flat 4% Monthly Fee*


Loan Amount of $1,000 over 20 weeks repayable weekly. $1,000(Principal Amount) + $200(20% Establishment Fee) + $200(fees based on 4% per month over 20 weeks) = $1,400 total repayable in 20 weekly repayments of $70.00.

*The example assumes timely repayment as per the loan agreement, or additional fees and charges may apply.


Loan amount from $2001 to $5000
Minimum 91+ days to Maximum 2 years
$400 Establishment Fee plus interest at 47.8% p.a. (Comparison Rate 66.58% p.a)*


Loan Amount $2500 over 2 years repayable fortnightly. $2,500 (Principal Amount) + $400 (Establishment Fee) + $1553 (Interest) = $4453 total repayable in 52 fortnightly instalments of $85.63

*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.

The idea of getting loans despite bad credit is appealing to many Australians who search for terms like ‘instant loans bad credit Australia’ or ‘bad credit fast approval loans’. After all, many people turn to online lenders or alternative financing options when they are unable to qualify for loans through more traditional channels.

If you’re one of the countless individuals looking for ‘bad credit fast approval loans’ or ‘bad credit cash advance’ online, check out Fundo. We offer short term loans with an approval process that doesn’t put much emphasis on your credit score – we just care about your ability to repay your loan.

Is it difficult to get loans if  I have bad credit? 

If you have bad credit, it may be harder to get a cash loan with most lenders as they use credit scores to assess risk, and a low credit score may be seen as a sign of financial instability or a higher risk of default. As a result, you may be more likely to be declined for a loan or offered a loan with higher interest rates or shorter repayment periods.

With Fundo, you don’t have to worry much about your credit score. While we still run credit checks to ensure we lend responsibly, we focus more on your ability to repay your loan so you don't have to waste your time searching for 'instant loans bad credit Australia'.

We understand that life sometimes throws you a curveball, so your past financial circumstances shouldn't be held against you. Whether you’re applying for dental loans, a home renovation loan, or other short term loans, know that you can easily apply for one at Fundo regardless of your credit score.

That being said, Fundo has a few prerequisites for all potential borrowers; every borrower must be an Australian citizen or permanent resident, eighteen years of age or older, and have sufficient regular employment income. If you meet these basic criteria, you can easily apply for a loan ranging from $500 to $2000, which will be repayable in 180 days.

What can I do to get loans easier if I have a low credit score?

If you have a low credit score in Australia and are having difficulty getting a loan, there are several steps you can take to improve your chances of approval. It’s also important to pay your bills on time so you can minimise your need to search online for terms like ‘instant loans bad credit Australia’ or ‘bad credit instant loans’, as late payments can have a negative impact on your credit score. 

Even so, we at Fundo know that unexpected circumstances can impact your ability to pay and, consequently, your credit score. When taking out a loan with us, you can simply let us know about your unique situation, and we’ll do what we can to help.

Another benefit of borrowing from Fundo is that we have no hidden fees or charges. The only thing we charge aside from the loan principal is an upfront establishment fee and a monthly fee, and we also offer flexible payment terms. Just get in touch with us and give us forty-eight hours' notice so we can do our best to make the adjustments possible.

How can I improve my credit score quickly?

There are several steps you can take to improve your credit score quickly in Australia, such as checking your credit report and disputing any errors, paying your bills on time, reducing your credit card balances, and avoiding applying for too much new credit.

While improving your credit score is always a good objective, you won't have to stress about it too much when you work with us. When you choose Fundo, we provide you with a Fundo Credit Score, which gives everyone a fair chance. The Fundo Credit Score rewards you for things such as paying off your loan on time or early, sharing feedback on your loan process, and even referring your friends to us! The higher your score, the higher your chance will be to have your loans approved.

You can easily manage your Fundo Credit Score online. We provide all our clients with a personalised dashboard where they can both manage and boost their Fundo credit. You can also use this dashboard to view and update your account, make or reschedule payments, and keep track of all your important loan information. 

Our goal is to make everything as simple as possible, which is why all our processes are handled online, from the loan application process to the loan repayments. To begin, just head on over to our homepage, click on the ‘Apply Now’ button, and follow the prompts.

If you’re approved for your loan, we’ll send you an agreement, and your funds will be in your account ASAP, maybe even on the same day! Online applications can be submitted twenty-four seven, while approval processes are conducted Monday through Saturday.

Apply for an online loan with Fundo today

At Fundo, we recognise that unexpected financial emergencies can arise at any time. That’s why we offer quick and small loans to help you get the cash you need, fast. Our streamlined application and approval process means you won’t waste time filling out lengthy forms or waiting for a response. 

You also no longer have to look up ‘instant loans bad credit Australia’ or ‘bad credit online loans’ because we give everyone a fair shot at getting approved for loans as long as they meet our basic criteria.

If you’re in need of a convenient and hassle-free online loan in Australia, Fundo is the perfect solution.

Apply online today!

Disclaimer: This article is intended to be used for informational and entertainment purposes only. It is not intended to be financial advice. Commentary views are subject to change without notice.