$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.

You try to plan ahead, but there are unavoidable times when unexpected expenses crop up. Unfortunately, it’s challenging to go to a traditional lender and ask for a quick cash loan with bad credit. Whether you want to consolidate your bills or cover an emergency expense, there’s a solution that could help you get a personal loan when you need it most.

At Fundo, we understand that it may seem unfair that you can’t get a quick cash loan with bad credit, especially if you need the money or can easily make repayments. We think your options shouldn’t be limited, especially when you’re struggling. We provide short-term personal loans and advice to improve your financial well-being.

Learn more about applying for a Fundo loan and getting a quick cash loan with bad credit.

Can I extend repayment terms for bad credit loans?

There can be different policies regarding extensions for loan repayment terms that vary between lenders. Some may be more lenient and allow for considerable extensions, while others may be more strict and not allow them at all. In most cases, being honest and straightforward with your lender can be helpful, regardless of whether you are looking to extend your loan repayment terms. 

At Fundo, while we don’t offer a ‘quick cash loan with bad credit’ option or an option related to ‘fast loan payday’, we provide competitive short-term personal loans to help you bridge the gaps in your budget. Whenever you apply for a Fundo loan, we encourage you to contact us to discuss payment options and terms that fit your financial situation. 

If you have unexpected financial problems that make it hard to pay back your Fundo loan, you can contact us to find out your options. In most cases, if you wish to change the repayment terms of your Fundo loan, you must submit a notice within forty-eight hours.

Whether you’re looking for a quick cash loan with bad credit or something similar to ‘quick cash loan no credit check’, try your hand at applying for a loan from Fundo. Our online loan application process prioritises meeting general requirements. While we still do credit checks, it is not the main factor we consider if you qualify for a Fundo loan. To qualify for one, you must: 

  • be at least 18 years old;
  • be a permanent resident or citizen of Australia;
  • provide proof of earning at least $300 per week;
  • not solely rely on government benefits for your income; and 
  • ensure that borrowing from Fundo will not put you in financial hardships. 

We understand that everyone has a complex financial situation, so if you have difficulty making monthly payments or meeting some qualifications, contact us and let us determine terms that fit your unique situation.

Do bad-credit loans have grace periods?

Typically, credit providers have a grace period of fourteen days from the payment due date to make the payment before it is recorded as a late payment. The grace period is typically calculated in calendar days. 

At Fundo, we encourage you to find out about everything when you want to apply for a Fundo loan related to ‘personal loans small’ or easy personal loans online. We’re happy to answer any questions you might have about the loan’s terms and conditions, such as the repayment schedules, interest rates, and grace periods.

You can also monitor these details from our self-service dashboard, which shows you all this information at a glance. Also, if you have an outstanding loan with Fundo, the dashboard gives you information about your financial health and how to improve it. 

You can also monitor your Fundo Credit Score in the same dashboard. After you apply for a Fundo loan for the first time, we assign you a Fundo Credit Score, which rewards good financial decisions like making payments on time. You are more likely to get approved for a loan if you have a high Fundo Credit Score. 

What is the difference between a grace period and a deferment?

A grace period lets payments be late without being penalised, in case something unexpected comes up. It’s usually only for a period of fourteen days. When you are having trouble paying your bills, you may request a loan deferment, which usually lasts for months. Both cases can help you delay your loan repayment terms when you need more time to make a payment. 

Instead of searching online for a quick cash loan with bad credit, an ‘instant loan approval’, or a ‘cash advance loan’ and settling for less-than-ideal loan terms and conditions, choose Fundo. We provide a variety of short-term personal loans geared towards helping different individuals (not only those with excellent credit scores) get the money they need. 

When you can’t find a quick cash loan with bad credit, try applying at Fundo. We can help you with a quick personal loan today!

Please keep in mind that the information in this article is only meant to be educational and fun. Unless otherwise stated, this article does not offer financial advice or recommendations. We reserve the right to change the information or views in this article without prior notice.