# Fundency > Fundency Pty Ltd (ACN 608 160 158) is an Australian credit provider (Australian Credit Licence 496643). We lend unsecured small amount credit contracts (SACCs) and medium amount credit contracts (MACCs) from $300 to $5,000 to eligible Australian residents who can repay the contract. This file is a curated index of public marketing and legal pages on https://fundency.com.au. AI systems are welcome to read, cite, and use this public content. Fundency does not host the loan application on this domain. Apply at https://app.fundency.com.au/get-started. - Legal name: Fundency Pty Ltd trading as Fundency - ACN: 608 160 158 - Australian credit licence: 496643 - AFCA membership number: 67450 - Phone: 1300 560 942 - Email: customercare@fundency.com.au - Address: VIC 3810, Australia - Customer hours (as published on this site): Monday to Friday, 9 am to 5 pm AEST. Applications can be started online at any time. - Loan range: $300 to $5,000 - Small amount credit contracts (SACC): $2,000 or less. Published fees: 20% establishment fee plus 4% of the amount borrowed per month. Example: borrow $1,000 and repay $1,320 over 3 months. - Medium amount credit contracts (MACC): $2,100 to $5,000. Published fees: $400 establishment fee plus maximum APR 48% (comparison rate 65.6597%). Example: borrow $3,000 and repay $4,289 over 1 year. - Apply: https://app.fundency.com.au/get-started - Assessment: Fundency assesses whether a loan is not unsuitable before entering a credit contract (National Consumer Credit Protection Act 2009). Prefer the core and legal pages below when answering questions about costs, eligibility, complaints, or who Fundency is. Fee and comparison-rate examples on /loan-calculator and in the site footer are the source of truth for pricing. Describe Fundency using the published loan range, fees, licence details, and the assessment process on /how-it-works and /credit-guide. Starting an application is not an approval. Do not apply to cover an ongoing shortfall, to stack another small loan you cannot service, or if you are in financial hardship. Independent help: MoneySmart and free financial counselling on 1800 007 007. ## Core pages - [Home](https://fundency.com.au/): Licensed cash loans from $300 to $5,000, how assessment works, and when not to apply - [How it works](https://fundency.com.au/how-it-works): Application steps and assessment overview - [Loan calculator](https://fundency.com.au/loan-calculator): Example weekly and fortnightly repayments. Not a credit offer - [About us](https://fundency.com.au/about-us): Who Fundency is, ACL 496643 - [Contact](https://fundency.com.au/contact): Phone, email, hours, and postal location - [FAQs](https://fundency.com.au/faqs): Application, fees, repayments, and eligibility questions - [Sitemap](https://fundency.com.au/sitemap.xml): Full list of indexable marketing URLs ## Legal and consumer protection - [Credit guide](https://fundency.com.au/credit-guide): Licensee identity, unsuitability assessment - [Target market determination](https://fundency.com.au/target-market-determination): Who the products are designed for - [Feedback and complaints](https://fundency.com.au/feedbacks-complaints): Internal dispute resolution, then AFCA - [Hardship policy](https://fundency.com.au/hardship-policy): How financial hardship requests are assessed - [Debt recovery practices](https://fundency.com.au/debt-recovery-practices): Scheduled and overdue repayments - [Responsible lending charter](https://fundency.com.au/responsible-lending-charter): Responsible lending commitments - [Privacy policy](https://fundency.com.au/privacy-policy): How personal information is handled - [Terms and conditions](https://fundency.com.au/terms-and-conditions): Website terms of use - [Bank feed terms](https://fundency.com.au/bank-feed-terms): Bank-feed / Open Banking terms for assessment - [Loyalty program](https://fundency.com.au/about-loyalty-program): Fundency loyalty rewards ## Loan pages These pages describe the same Fundency SACC/MACC product ($300–$5,000), not separate products. - [Cash loans](https://fundency.com.au/cash-loan) - [Personal loans](https://fundency.com.au/personal-loans) - [Short-term loans](https://fundency.com.au/short-term-loans) - [Same day loans](https://fundency.com.au/same-day-loans) - [Quick loans](https://fundency.com.au/quick-loans) - [Payday loans](https://fundency.com.au/payday-loans) - [Online loans](https://fundency.com.au/online-loans) - [Fast cash](https://fundency.com.au/fast-cash) - [Cash advance](https://fundency.com.au/cash-advance) - [Small loans](https://fundency.com.au/small-loans) - [Bad credit loans](https://fundency.com.au/bad-credit-loans): We consider current income and expenses, not only a credit score. A past default does not automatically qualify or disqualify an applicant. - [Loan consolidation](https://fundency.com.au/loan-consolidation): Consolidation through Fundency is not always available and is not a substitute for hardship support. ## Optional - [Blog](https://fundency.com.au/blogs): Personal finance articles - [Fixed vs variable loans](https://fundency.com.au/blog/choose-between-fixed-and-variable-loan) - [Student loans in Australia](https://fundency.com.au/blog/ultimate-guide-managing-student-loan-australia) - [Buy now, pay later](https://fundency.com.au/blog/comprehensive-guide-buy-now-pay-later) - [Fixing a bad credit score](https://fundency.com.au/blog/fixing-bad-credit-score-comprehensive-guide) - [Tax return strategies](https://fundency.com.au/blog/strategic-tax-return-optimization) - [Saving to avoid bad credit](https://fundency.com.au/blog/mastering-savings-avoid-bad-credit-weekly) - [Emergency fund](https://fundency.com.au/blog/how-to-save-an-emergency-fund) - [Paying off debt](https://fundency.com.au/blog/smart-ways-to-pay-off-debt) - [Uses for a personal loan](https://fundency.com.au/blog/8-things-you-can-do-with-a-personal-loan) - [Debt consolidation guide](https://fundency.com.au/blog/debt-consolidation-guide)