Cash Advance: Early Funds

Absolutely. While we do consider your credit rating during the application process, our primary focus is on your current income level. As long as you have a steady income and are not facing financial hardship, you should be eligible for a Fundency cash advance loan. We understand that many Australians may have a poor credit rating due to circumstances beyond their control, and we are committed to providing assistance through our convenient cash advance loans.

To qualify for a Fundency cash advance, you need to:

• Be over the age of 18

• Receive a stable source of income for at least 3 months before applying for the loan

• Be an Australian citizen or permanent resident

• Not be in extreme financial hardship or bankrupt

Applying for a loan is a straightforward online process that eliminates the need for paperwork. You can initiate the application here. It's accessible from any internet-connected computer, smartphone, or tablet.

Fundency prides itself on the speed of its service. Once your application is approved, we promptly transfer the funds to your nominated bank account. While we strive for instant transactions, some bank transfer delays may apply.

No, you have the flexibility to spend your cash advance loan on anything you need. Common uses include covering electricity bills, rates notices, car repairs, veterinary bills, wedding expenses, student costs, medical bills, consumer items, and even additional funds for holidays.

Fundency adopts a transparent fee structure. Upon loan approval, you'll incur a 20% establishment fee. Additionally, there is a monthly interest fee of 4% on the initial borrowed amount throughout the loan's duration. We offer the flexibility to repay the loan in full at any time without incurring early repayment fees. For more detailed information on fees, contact our Customer Care team at 1300 560 942 or customercare@fundency.com.au.

Repaying your cash advance is simplified through direct debit from your bank account, with the flexibility to choose weekly, fortnightly, or monthly repayment frequencies. Additional payments can also be made through our website or by calling 1300 560 942.

We understand managing finances can be challenging, and we offer flexible repayment schedules to assist you. If you foresee challenges, contact our support team on 1300 560 942 to discuss potential adjustments to the loan terms. In case of insufficient funds for a direct debit transaction, dishonour fees may be charged by Fundency or your bank. For those facing financial hardship, our Customer Care team is available at 1300 560 942 or customercare@fundency.com.au to provide support.