$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.

For people looking up terms like ‘loans bad credit instant’, ‘bad credit cash loans’, or even ‘bad credit loans ASAP’, trying to get a loan from traditional lenders may be difficult. With long wait times, strict criteria, and high interest rates, getting a loan can be a stressful experience, which isn’t ideal when you’re in need of cash quickly. 

But instead of opting for bad credit loans, consider Fundo. We make it easy to get closer to the money you need. With us, there are no long waits or unnecessary stress – just easy processes and flexible repayment options for loans ranging from $500 to $2,000. We understand that life can be unpredictable, so we look into every application fairly and strive to provide our customers with the best possible loan experience.

How can bad credit affect my loan applications?

Having bad credit can have a negative impact on your ability to obtain cash loans online fast. This is because most lenders view credit ratings as an indication of how likely you are to repay the loan. A poor credit rating can make it more difficult to secure a loan, as most lenders may be unwilling to take on the risk associated with lending to someone with a lower credit score.

However, not all lenders have the same approach, which is good news if you’re tired of searching for ‘loans bad credit instant’ online. At Fundo, we take a more comprehensive perspective when evaluating loan applications. 

While we conduct credit checks as responsible lenders, we understand that credit scores are not the only measure of an individual’s creditworthiness, which is why we focus more on their ability to repay their loan.

If you want to borrow a quick loan from Fundo, you must meet some criteria to be eligible. To qualify, you must:

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

If you’ve stumbled upon us while searching ‘online loans Australia’ or ‘loans bad credit instant’ and think you may qualify for a Fundo loan, simply visit our website and click on the ‘Apply Now’ button. We'll guide you through the application process, and if you're approved, we'll send you your unique loan agreement and have the funds deposited in your account as soon as possible, often on the same day.

Please note that if you apply during business hours and your loan is approved, you will likely receive your funds on the same day. If you apply outside of business hours, we'll process your application as quickly as we can. However, keep in mind that the processing time can vary depending on your bank and that funds may not be available until the next day.

What is the quickest way to improve my credit score?

If you’re online researching ‘loans bad credit instant’, then you know that improving your credit score takes time and effort. It can be done by paying off outstanding debts, paying bills on time, checking your credit report for errors, and keeping credit card balances low. Additionally, it's important to avoid opening too many new credit accounts at once.

As mentioned earlier, we understand that credit scores are not always the best indicator of a borrower's ability to repay quick short term loans. That's why we don't put too much emphasis on traditional credit bureau scores when evaluating loan applications.

Instead, we have our own credit scoring system, the Fundo Credit Score, which rewards you for paying your online loan early or on time, providing feedback, and referring friends to Fundo. By boosting your Fundo score, you increase your chances of being approved for quick loans with us in the future and enjoy special discounts and benefits. With Fundo, there’s really no more need to type up ‘loans bad credit instant’ in your search bar anymore.

Are small cash loans a good option if I have bad credit?

Whether or not small cash loans are a good option for those with bad credit depends on the individual's circumstances and the lender they choose. These types of loans can be very helpful tools when covering unexpected expenses, but some options may come with high interest rates or hidden charges. It's essential to carefully review the terms of the loan and make sure that the payments can be made on time and in full.

With Fundo, you can say goodbye to confusing jargon, heavy paperwork, and complicated terms and conditions. We make it simple and easy to obtain a quick personal loan online and understand loan terms without any fuss. 

Additionally, we strive to provide approved applicants with a positive loaning experience so they don’t have to think about searching for ‘loans bad credit instant’ online anymore. That's why we offer a personalised account dashboard, where you can view and manage your loan, make or reschedule payments, and easily keep track of your loan information, including balance, duration, and payment dates. 

You can also earn points and check your Fundo Credit Score all from the convenience of your dashboard, giving you the flexibility and control you need to manage your instant online loans.

Fundo: The smart choice for short-term loans

At Fundo, we understand that traditional banks can be strict and inflexible when it comes to providing loans and that getting quick approval loans with them is close to impossible. That's why we offer a different kind of lending experience as an online lender so you can stop searching terms like ‘loans bad credit instant’ online. 

We specialise in providing short-term loans to approved applicants so they can loan money fast, even if their credit score may not be perfect. Alongside our flexible repayment options, we have no hidden fees or charges and are proud to be Australian-owned and -managed. 

Apply now for a quick and easy loan experience with Fundo!

Disclaimer: Unless otherwise specified, 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. Any commentary views are subject to change without notice at any time.