$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.

We wanna be transparent with you – instant loans for unemployed bad credit holders can often be hard to find. However, there are ways for those with less-than-stellar credit to apply for cash loans and get approved.

If you’re on a mission to find quick short term loans, then you’ve come to the right place. At Fundo, we know that life can be unpredictable. You might have found yourself in a financial pickle due to circumstances beyond your control. That’s why we want to help you get closer to securing extra funds without the hassle and the long waiting time.

What loans can I apply for if I have bad credit?

You’ve probably wondered, ‘How can I get an instant loan with bad credit?’ or ‘What is the easiest loan to get with bad credit?’ 

Instant loans for unemployed bad credit holders may be hard to procure from traditional banks and lending institutions. The verification process and credit check can typically take days or even weeks to complete. Even then, the presence of a bad credit score often lowers one’s likelihood of getting a loan.

We know that unforeseen expenses are often urgent, hence your search for ‘instant loans for unemployed bad credit’ or ‘cheapest cash loans’. Vehicular expenses often occur when we least expect them. Your oven or refrigerator may have broken down, and you can’t wait more than a few days to get a new one. Or maybe you’d just like to have a little extra cash for a holiday or special occasion.

Luckily, Fundo allows you to apply online at any time of the day and, if approved, possibly receive the funds you need on the same day. So instead of scouring the internet for ‘instant loans for unemployed bad credit’, you might just be able to secure the funds you need with Fundo.

In order to qualify for a Fundo loan, you just have to be at least eighteen years old, a citizen or tax-paying resident of Australia, with proof of regular income of at least $300 a week (excluding government benefits). You must also demonstrate you can meet repayment deadlines and ensure that you will not be at risk of financial trouble when borrowing from Fundo.

Our application process is quick. To get started, just let us know how much you need and fill in your personal information, as well as details about your source of income. 

You can apply for a loan of $500 for a one-off expense or even a 2000 dollar loan if needed. Enjoy flexible and easy repayment plans over the duration of up to 180 days!

Note that, as responsible lenders, we still conduct a comprehensive review of each application, and we cannot guarantee that your loan will be approved by simply meeting the above minimum requirements and filling out the application form.

Do I have to pay extra fees to get bad credit history loans?

If you’ve been searching up ‘instant loans for unemployed bad credit’, then you’re probably looking for a loan with a quick turnaround process and lenient requirements despite a not-so-great credit history.

That said, we believe that a bad credit history doesn’t mean someone is unable to pay for their loans now. Lending apps may offer payday money loans or instant online loans, but the problem is hidden fees and steep rates that can make repayment difficult.

Rest assured that at Fundo, there are no hidden fees. We typically only charge establishment and monthly fees, given that borrowers meet their payment deadlines. 

Keep track of your payment history and repayment schedule with our easy-to-navigate self-service dashboard. We also send out regular tips on financial wellness because our goal is to help you develop sustainable money habits.

Where is the best place to get loans for people with bad credit?

So if you’re typing in ‘I need cash fast’ or ‘instant loans for unemployed bad credit’, don’t worry – a bad credit score will not necessarily hurt your chances of getting a loan approved. While we do take your financial past into account when you apply for cash loans with us, we at Fundo focus on your current ability to meet your repayments on time. 

The best part about securing an approved loan with Fundo is what we call the Fundo Credit Score. (This is different from your actual credit score.) Your Fundo Credit Score increases when you make payments early or on time, successfully complete account closures with no late payments, refer friends to Fundo, and more. 

If you found this article by searching ‘instant loans for unemployed bad credit’, we want you to know that a bad credit history doesn’t have to stop you from attaining a great Fundo Credit Score.

The higher your Fundo Credit Score, the higher the likelihood of being approved for another Fundo loan in the future. On the other hand, your Fundo Credit Score would drop in the event of late or missed payments, payment rescheduling requests, or failed repayment methods. That’s why it’s in your best interest to make repayments on time!

Our hope is to guide borrowers towards financial literacy and freedom throughout their Fundo financial journey by incentivising good borrowing habits. If you have any questions about your loan application or repayment plan, feel free to reach out to us.

We at Fundo want to make it easy for you to access funds when you need them most. Borrow money today with Fundo by sending in your online application.

Disclaimer: The opinions expressed in this article are strictly for general informational and entertainment purposes only and should not be taken as financial advice or recommendation unless otherwise specified. Any commentary views may be subject to change without prior notice.