$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.

Banks can be a hassle when it comes to applying for fast bad credit cash loans or any type of loan. Multiple forms, lots of documents, and weeks of waiting for a response can be frustrating, so many turn to online loan options instead. If you’re looking for the quickest personal loans, you might spend hours searching online for ‘payday loans bad credit AU’, but there’s a better option: Fundo. 

Our online application process is straightforward. You can apply for a loan from the comfort of your own home at any time of day or night. And because we don’t require you to provide lots of documents or paperwork, you can complete the application in just a few minutes. So don’t let the hassle of traditional loan applications hold you back when Fundo offers a convenient way to access loans. 

Discover how Fundo can help you if you’ve been searching for ‘payday loans bad credit AU’ endlessly. Learn about small payday loans for bad credit below so that you can make an informed decision.

Are online lenders a good alternative if I have bad credit?

Online lenders can be a good alternative for people with bad credit, as they may be more flexible with their lending criteria than traditional banks. This makes them a good alternative if you’re looking for ‘payday loans bad credit AU’ or ‘pay loans with bad credit’. Lending criteria vary depending on the lender and the specific loan product, so it’s best to know if you qualify before applying for a loan. 

We have minimal loan requirements at Fundo. To qualify, you must:

  • be at least 18 years old at the time of your application;
  • be a citizen or tax-paying resident of Australia;
  • earn at least $300 per week in regular income, excluding government benefits;
  • demonstrate an ability to meet repayment deadlines; and
  • ensure you will not place undue financial pressure on yourself by borrowing from Fundo.

Once you know you qualify for a Fundo loan, it’s helpful to have certain information ready when applying to speed up the process. Please be ready to supply us with details about your regular income and any government benefits you receive. Additionally, you will need to provide proof of your identity and your bank account information, like your bank’s name and your account number. 

What are the best loans for bad credit in Australia? 

If you’re looking for options for ‘payday loans bad credit AU’, there are a few quick loans online to consider, such as personal loans, small advance loans, and online payday loans for bad credit. It can be confusing to know which type of loan is best for you, so it’s helpful to work with a lender who is transparent about their terms, conditions, and rates so you can make an informed decision. 

At Fundo, you can trust us to provide honest and straightforward small loans. We believe in being transparent and upfront about the costs of our online fast loans, so we provide a clear breakdown of all fees upfront, with no hidden charges or confusing fine print. Our user-friendly interface also lets you see an instant breakdown of the fees involved in your loan, so you know exactly what you’re getting into. 

Even after getting easy personal loans online with us, we want to help you manage your loan efficiently so you can continue to make your repayments comfortably. With that, we give you access to a self-service dashboard where you can view your loan information within a few clicks. You can also track your loan progress and schedule your repayments to help you avoid dealing with late payment fees. 

Do I have other bad credit loan options if I need cash urgently?

If you’ve been constantly scouring the internet with searches of ‘payday loans bad credit AU’ or ‘the easiest place to get a loan’, you’re probably wondering if you can get fast cash. It’s certainly possible to get the funds in your account fast once you’re approved for a loan, but it depends on factors like the lender’s internal loan processes and loan decision-making procedures. 

You have a better chance of getting cash fast from Fundo loans if you qualify because our online process is easy and hassle-free! 

Simply navigate to the application form on our website, fill it out with your details, and follow the instructions. Our team will review your application and let you know the outcome as soon as it’s available. In most cases, if you apply during business hours and everything goes smoothly, you may receive the funds in your account within the same day.

For better chances of approval the next time you apply for a Fundo loan, you can work on improving your Fundo Credit Score by leaving reviews for Fundo, referring us to your friends, and limiting the loans you get from other lenders. The better your Fundo Credit Score, the better your chances of getting loan approval, so next time, you don’t have to endlessly search for ‘payday loans bad credit AU’ anymore. 

Finally, you can end your online searches for ‘payday loans bad credit AU’ now that you found Fundo – apply now! 

Please be aware that the purpose of this article is to provide information and entertainment and is not intended as financial advice. The views and commentary provided may be subject to change at any time without notice.