Fast, reliable, easy to use, reasonable. Helped me out with medical and vet bills. Been a life saver.
Same day funds up to $5,0001
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When unexpected expenses arise, many individuals find themselves searching for on the spot loans bad credit. That's where Fundo comes in to help. We understand that traditional lenders like banks often fall short in providing quick financial relief, especially when you need it most. As a trusted online lender, Fundo specializes in delivering short-term loans to Australians, even those with less-than-perfect credit histories.
At Fundo, we pride ourselves on being your friendly alternative for urgent cash requirements. Here’s what makes us stand out:
If you're in need of on the spot loans bad credit, Fundo is flexible with how you can use your funds. However, please note that our products do not cover debt consolidation. You can utilize Fundo's loans for:
To get started, simply fill out our application form with your personal and contact details, along with your desired loan amount. Our minimal eligibility criteria mean you can quickly find out if you qualify:
Same-day approval is possible when you submit your application during business hours. Returning customers can even complete their applications with just three clicks!
Curious about your approval chances? Check your Fundo Customer Score today. A higher score means a better chance of securing a loan. Plus, you can improve your score by repaying on time and engaging positively with Fundo.
So, if you're still considering options like need cash ASAP bad credit or online loans bad credit instant approval, remember that Fundo is here to support you. Hesitating? Don’t miss out on a simple solution—apply for your Fundo loan today and regain control of your finances!




Fast, reliable, easy to use, reasonable. Helped me out with medical and vet bills. Been a life saver.
Very easy to apply and money was transferred within the hour.
Their website is very user friendly, application process is straightforward and re-apply is very quick.
Application took 5 minutes max. Being a repeat customer makes it super simple.
Easiest, cleanest, simplest app or platform I’ve found.
Fundo loans are amazing. The dashboard is easy to use and the staff at Fundo loans are always kind, friendly and helpful
1 Funds may be received in as little as 60 seconds from contract acceptance if your bank supports NPP. Timing is not guaranteed.
4 Fees are based on loan principal advanced.
5 Comparison rate is based on an unsecured loan of $2,500 over a term of 2 years with a fortnightly repayment frequency.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
6 The example assumes timely repayment as per the loan agreement, or additional fees and charges may apply.
*Terms and conditions, fees and charges apply. Max loan amount of $5,000 includes fees and charges. Approval and loan amount are subject to our credit assessment criteria.
¹Funds may be received in as little as 60 seconds from contract acceptance if your bank supports NPP. If your bank is not NPP enabled, or if it is a public holiday, funds are usually received by the next business day. Timing is not guaranteed.
²Applying for a loan with Fundo usually takes about 5 minutes. However, this time can change based on a few things, such as your typing speed, the device you're using, and whether you have all the necessary information ready to go.
³As the approval process is influenced by various external factors, we can’t guarantee that you’ll receive a decision on the same day. However, most customers who submit their loan application and all requested supporting information by 4pm Sydney time on a regular business day receive a same-day response. Applications submitted after this time or on weekends/public holidays may be processed the next business day.
Fundo is an Australian direct lender that offers short-term, small loans without any legal jargon or red tape. Our online loans are designed to provide access to a broad range of qualified applicants, including those with less-than-perfect credit.
Finding small loans with flexible repayment terms is now a reality with Fundo - no need to keep searching for 'Debt Consolidation Loans Bad Credit', 'Personal Loan With Fast Approval', or '24 Hours Cash Loans'. Paying off Fundo loans early, penalty-free, may help improve your chances for future approval.
Fundo believes that eligible applicants should be able to get closer to the loans they need. If you've been looking for small cash loans through search terms like 'Instant Approval Loans Need Cash Today', 'Personal Loans', then you can stop looking now - let us show you how easy it is to apply for a loan with Fundo.
We typically respond within 2 min or sooner.