Bad Credit Loans: Overcome, Rebuild, Prosper

Yes, Fundency places less emphasis on an applicant's credit rating compared to other lenders. While we do perform some credit checks, having good credit is advantageous for your application. However, our primary focus is on your current income level and your capacity to repay the loan. We understand that many Australians face challenges leading to poor credit history, and Fundency aims to provide accessible finance through our instant cash loans. A steady source of income is the key requirement for applying.

To be eligible for a Fundency instant cash loan, you need to: Be over the age of 18, Have a steady source of income for at least 3 months before applying for the loan, Be an Australian citizen or permanent resident, Not be bankrupt or in extreme financial hardship.

The application process is swift and straightforward, conducted entirely online. Visit our website to complete the application, which can be done from any internet-connected device, such as a computer, tablet, or smartphone.

The standout feature of Fundency's instant cash loans is the speed of fund transfer. Once your loan is approved, we promptly send the cash to your nominated bank account.

No, you have the flexibility to spend the money on anything you need. Common uses for our instant cash loans include covering car repairs, veterinary bills, wedding expenses, student costs, medical bills, consumer items, and even additional funds for holidays.

Fundency adopts a straightforward fee structure, including a 20% establishment fee upon loan approval and a monthly interest fee of 4% on the initial borrowed amount throughout the loan's lifetime. There are no fees for repaying the loan early. For detailed information on fees, contact our Customer Care team at 1300 048 156 or help@fundency.com.au.

Loan repayments are conveniently debited from your bank account on a weekly, fortnightly, or monthly basis. This streamlines the management of your instant cash loan and ensures you stay on track with repayments. Additional payments can also be made through our website or by calling 1300 048 156.

We understand that managing finances can be challenging, and we offer flexible repayment schedules to assist you. If direct debit fails, dishonour fees may be incurred from Fundency and your bank. For those facing financial hardship, our Customer Care team is available at 1300 048 156 or help@fundency.com.au to discuss potential adjustments to loan terms.