$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.

If you are looking for ‘last minute loans bad credit’, you may feel that your credit history is an obstacle when you are looking for financing options. When you are facing unexpected and urgent expenses, and you don’t have any available funds, the situation can turn out to be very stressful. Unfortunately, many lenders will not even consider your loan application if you have less-than-perfect credit.

This is why it’s important to find a reputable lender that understands the difficulties faced by people with bad credit scores.

At Fundo, we strive to make access to short-term loans easier for everyone searching for ‘last minute loans bad credit’. We understand that your credit history doesn’t always indicate your current ability to pay off a loan. At Fundo, we can loan money online to approved borrowers, even if they have less-than-ideal credit. We offer a range of small personal loans with flexible terms so that you can use them for your individual needs.

Can I get a last minute loan without an ID?

Unfortunately, without an ID, it may be difficult to get last minute loans, bad credit or not. Most lenders require some form of identification in order to approve a loan and verify the identity of the borrower. 

Many lenders require proof of income, such as bank statements or pay stubs, which can be difficult to provide without an ID. If you don’t have an ID, you may want to look into other financing options, such as borrowing from family or friends or getting a secured loan with collateral.

For online loan applications with Fundo, we only ask for basic information details, which include proof of identification, but this is not strictly limited to one form. Depending on what you have available, you can present an Australian driver’s licence, a proof of age card, or a passport, among others.

You will also need to show proof of your regular income, details about any government benefits you get, and the bank details (account name, BSB, and account number) that you plan to use to receive funding.

Are there loan lenders that approve everyone? 

While there may be certain loan lenders that advertise or promise to approve everyone, the reality is that even a ‘guaranteed cash loan’ may not guarantee approval for everyone. Any reputable loan lender will still require borrowers to meet certain qualifications in order to be approved, even for last minute loans, bad credit loans, and other alternatives. These qualifications typically include a credit check and proof of income.

Lenders need to ensure that borrowers can afford their loan payments and are not at high risk of defaulting on their loans. Generally, lenders will also verify that the borrower has not had any recent bankruptcies, foreclosures, or other financial problems.

At Fundo, we understand that finances can be a complex situation for some people, especially for those searching for ‘last minute loans bad credit’. That’s why we take the time to examine different aspects of your financial situation before making a decision about your loan application – not only your credit history but also factors such as your current ability to meet your payments.

We are committed to upholding responsible lending standards in order to provide you with the best possible outcome. Those who satisfy the following requirements are eligible to apply for one of our quick loans online:

  • At the time of your application, you must be at least eighteen years old.
  • You must be a citizen or tax-paying resident of Australia.
  • You must earn at least $300 per week in regular income, excluding any benefits from the government.
  • You must demonstrate an ability to meet repayment deadlines.
  • You must not place undue financial pressure on yourself by borrowing from Fundo.

What are my options if I need money but have bad credit?

If you have a less-than-stellar credit history, there are several options available to you, so you won’t have to settle for the results of searching ‘last minute loans bad credit’ online. However, many of these options come with pros and cons. 

With a secured loan, you would put up collateral such as your car or home. This is usually a more attractive option for lenders since it decreases their risk on their end, but not everyone can afford to put up collateral. Plus, this also means risking your assets if you encounter problems repaying the loan.

Another option is to ask your family members or close friends if they would be willing to lend you some money. This can be a good option if you’re comfortable with the idea and have someone you can trust to lend you the money, but it’s important to consider that this can cause a rift in your relationship if things go wrong. 

Personal loans like those offered by us at Fundo are a good option for anyone who has been searching for ‘last minute loans bad credit’ to no avail. Less-than-stellar credit can be disproportionately held against borrowers by some lenders. At Fundo, we understand that sometimes life throws you a curveball and that a not-so-ideal credit score isn’t always a holistic reflection of your financial situation or your ability to pay back a loan. 

That’s why we consider many factors beyond just your credit history when deciding whether you can be approved for a loan. Our loans are unsecured and come with flexible repayment terms so that you can pay back the loan according to your needs. You can even take advantage of one of our exclusive features called the Fundo Credit Score. 

This number encompasses your entire history with us at Fundo and is independent of your credit score with any of the bureaus in Australia. The higher your score, the more likely you are to get your application approved. You can boost your score by repaying on time, leaving a review, and referring a friend.

You can use Fundo’s self-service dashboard to monitor your score, make and reschedule repayments, and regularly receive tips from Fundo’s team of experts on financial health-related topics, like ‘quick loans Australia’, ‘payday loans NSW’, and ‘fast cash loans 24/7’.

You don’t have to resort to searching for ‘last minute loans bad credit’ to find financing. Apply for a small loan today with us at Fundo!

Disclaimer: The opinions stated above are solely for general informational and entertainment purposes and should not be construed as financial advice or recommendations. It is possible that any commentary views could change at any time without notice.