$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 those with less-than-optimal credit scores looking up ‘quick bad credit payday loans’ or ‘bad credit instant loans’, it can be difficult to find the right loan when you need it. Traditional banks are not always willing to provide loans to those with low credit scores, and lenders who do offer such loans often require collateral or have hidden fees. 

Fundo makes it possible for a wide range of eligible borrowers, even those with not-so-great credit scores, to get the funding they need. Our application process is simple and secure, so you can get closer to the money you need quickly and easily.

Are there different types of payday loans?

Yes, there are several different types of payday loans available for those looking up ‘quick bad credit payday loans’ or ‘bad credit same day loans’ online. 

The most common type of payday loan is known as a cash advance loan, used to borrow small amounts of money until the next payday. This type of loan is typically used to cover unexpected expenses that weren’t included in your budget. Other types of payday loans include instalment loans, which allow you to borrow a larger amount and repay it in several payments over time. 

Payday loans may also require collateral, unlike other types of cash loans online, so it’s important to understand the terms and conditions before taking out a payday loan.

At Fundo, we understand that the loan process can be confusing and overwhelming when people look up ‘quick bad credit payday loans’ or ‘cash advance bad credit’ online. That’s why we’ve made it our mission to make it as simple and straightforward as possible to apply for our loans, which range from $500 to $2,000. 

With Fundo, there’s no jargon, no confusing legal talk, and no complications when you take out our short-term loans. We strive to provide clear and transparent information about our loan products and terms so that you can make an informed decision when you apply to borrow money today.

Our application process is easy, and you can do it from the comfort of your own home instead of searching ‘quick bad credit payday loans’ or ‘desperate loans for bad credit’ online. You just need to go to our homepage, click on ‘Apply Now’ and follow the prompts. If you qualify, we’ll send you an agreement, and the funds will be deposited into your account as soon as possible, often on the same day.

What is the easiest type of payday loan to get with bad credit?

The easiest type of payday loan to get when you’re looking up terms like ‘quick bad credit payday loans’ or ‘payday loans for bad credit instant’ is a no-credit-check loan. These types of loans do not require a credit check, meaning they are available to borrowers with bad credit. These loans are typically offered online, with quick approval and easy access to funds. 

No-credit-check payday loans often require collateral or have stricter payment terms than loans with a credit check, so it is important to shop around and compare different lenders to ensure you get the best deal. It is also important to only borrow what you can afford to pay back, as defaulting on a payday loan can lead to additional fees, lower credit scores, and further financial troubles.

At Fundo, we pride ourselves on being responsible lenders, and as such, we run credit checks on all of our applicants for our quick short term loans. But credit scores only play a minor role in our assessment process because we understand that credit scores are not the only indicator of an individual’s ability to repay a quick personal loan online.

We’ve also developed our own credit scoring system, the Fundo Credit Score, which rewards individuals for paying their online loans early or on time, as well as for sharing feedback and referring friends to Fundo. This helps us better understand our customers and their creditworthiness.

The higher your Fundo Credit Score, the higher your chances of being approved for loans, and the more benefits and discounts you have. We believe that this approach helps to make our loans more accessible to a broader range of people and helps to build trust between our customers and us. 

Will I pay extra if I repay my bad credit payday loan early?

Whether or not you are charged extra for repaying your bad credit payday loan early will depend on the terms of the loan agreement you have with the lender that issued the loan.

Some lenders or quick loan apps may charge an early repayment fee, while others may have incentives if you repay the loan early. For example, at Fundo, we don’t charge any early exit fees. We even reward you with points for repaying your loan early.

At Fundo, we believe in giving our approved borrowers the tools they need to manage their loans effectively, so they don’t need to look up ‘quick bad credit payday loans’ or ‘quick loans for bad credit same day’ anymore. As such, we provide a personalised account dashboard that allows you to take charge of your loan. 

With the dashboard, you can easily view and update your account, make or reschedule repayments, and keep track of your loan information, such as balance, duration, and payment dates. This gives you the flexibility to manage your loan on your own schedule and the transparency to understand your loan status at any given time. You can also check your Fundo Credit Score on the account dashboard.

When unexpected expenses arise, Fundo has your back

At Fundo, we acknowledge that life can be unpredictable, and you never know when those one-off expenses may arise. That’s why we provide a fast and hassle-free solution for those times when you’re searching for ‘quick bad credit payday loans’ or ‘small payday loans for bad credit’ online. 

We offer small online loans that can help approved borrowers with unexpected expenses or bridge a gap in cash flow. If you have any questions about our quick loans online in Australia, our team is always happy to help you understand how to loan money fast. You can contact us by phone, email, or online chat.

Get started on your online loan application with Fundo today!

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 recommendations. Any commentary views are subject to change without notice at any time.