$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.

Trying to get access to cash can be a difficult and confusing process, especially if you’re someone who’s been searching ‘quick cash bad credit loans’ or ‘bad credit cash loans online’ online. You don’t want to get stuck in a loop of paperwork, bank statements, credit history checks, and other hoops you need to jump through.

Fundo is here to make it easier for you by providing loans ranging from $500 to $2,000 with repayment periods of up to 180 days to approved borrowers, with little regard to their credit score. 

We’ve streamlined our application and decision-making processes so that you can get closer to the cash you need quickly and easily, without any unnecessary hassle. From the comfort of their own homes, approved borrowers can get a loan and have the funds deposited into their accounts in no time. 

What is the difference between bad credit and no credit history?

The primary difference between bad credit and no credit history is the amount of information available to lenders who provide cash loans online

With a bad credit score, the individual will have a credit report that details their past financial activities, including any past late payments, defaults, bankruptcies, or other negative items that may be on their record. People with less-than-ideal credit scores may be more likely to look up ‘quick cash bad credit loans’ or ‘bad credit fast loan’.

With no credit history, however, there is no credit report for lenders to review, so they must rely on other factors to make a decision about an individual’s creditworthiness.

At Fundo, we understand that a credit score is not the only indicator of an individual’s ability to repay a loan. That’s why credit scores only play a small role in our loan approval process.

To be eligible for our quick loans, 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.

Our application process is simple and straightforward. To get started, 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. 

With Fundo, you can have peace of mind knowing that you can possibly get closer to fast and convenient online loans instead of searching ‘quick cash bad credit loans’ or ‘24/7 instant loans’.

How do people end up getting a bad credit score?

There are a variety of different ways that people can end up with a bad credit score, and you should learn more about these if you’re out here looking up ‘quick cash bad credit loans’ or ‘fast approved loans for bad credit’ online. 

One of the main causes is missed payments on credit cards, loans, or other types of bills. If you do not make the minimum payment on time each month, it will likely show up on your credit report and lower your credit score. 

Having too much debt can also lead to a lower credit score. If you have too many accounts open at once, it can be difficult to pay all of them off in full each month, which can negatively impact your credit score. 

Additionally, placing too many hard inquiries as you look up ‘quick cash bad credit loans’ or ‘quick cash loans for bad credit’ online can also hurt your credit score, as these can be seen as a sign of financial distress that loans places look out for.

As part of our commitment to being responsible lenders, we run credit checks on all Fundo loan applicants. We’ve also developed our own credit scoring system, the Fundo Credit Score. Our system rewards individuals for paying their online loans early or on time, as well as for sharing feedback and referring friends to Fundo. 

The higher your Fundo Credit Score, the higher your chances of being approved for future Fundo loans and the more benefits you can enjoy, such as discounts. We believe that this approach helps to make our loans more accessible to a wider range of approved borrowers and helps to build trust between our customers and us.

What are the best loans for repairing or building credit?

Unsecured personal loans are a type of loan that can help individuals repair or build their credit, which is especially useful for those searching for ‘quick cash bad credit loans’, ‘instant online loans’, or ‘fast bad credit payday loans’ online. These loans do not require any collateral and are based on the borrower’s creditworthiness as determined by the lender.

It’s important to research and compare the terms, rates, and fees of the loan you’re considering before applying and to ensure that you fully understand the requirements and how you can use the loan to improve your credit score. For example, smaller loans may allow you to manage repayments more effectively as you rebuild your credit.

At Fundo, we believe in giving our approved borrowers the tools they need to manage their loans effectively. That’s why we provide a personalised account dashboard that allows you to take charge of your loan. 

With the dashboard, you can view and update your account information, make or reschedule repayments, and easily keep track of your loan information, including balance, duration, and payment dates. Additionally, you can earn points and check your Fundo Credit Score on the self-service dashboard. 

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. With Fundo, you can access and manage your online loan at any time, from anywhere, making the loan process more convenient and stress-free.

Take advantage of flexible loans for real-life situations with Fundo.

At Fundo, we understand that unexpected financial situations can arise, and it’s important to have access to quick short term loans so you can avoid looking up ‘quick cash bad credit loans’. That’s why we provide quick online loans to approved individuals in Australia. 

Our application process is simple and straightforward, and our approval process is fast, so you can get closer to the cash you need. With Fundo, you can apply for a loan from the comfort of your own home and enjoy the convenience of same-day loans.

Apply for a quick personal loan online 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 recommendation. Any commentary views are subject to change without notice at any time.