Payday Loans: Bridge Expenses Until Payday

Absolutely! While your credit score is considered, we prioritize your current income levels, assessing your capacity to repay the loan. Fundency understands that many Australians may have a less-than-ideal credit history, often due to circumstances beyond their control. Our short-term loans are crafted to assist individuals facing financial challenges, focusing on current financial history rather than past credit issues.

Applying for a loan is straightforward. You can submit your application through our website or conveniently located self-service kiosks, available 24/7. Once approved, funds are promptly transferred into your bank account.

Virtually anyone with a steady income can apply. To qualify, you must be 18 years or older, receiving a regular income for at least three months before applying, and be an Australian citizen or permanent resident. Additionally, applicants should not be in financial hardship or bankrupt.

The easiest way for most individuals to apply is through our website, accessible on any computer, smartphone, or tablet device. Additionally, we have convenient self-service kiosks located in various places across NSW, QLD, and VIC.

Once your application is processed through our advanced technology, approval is typically granted in a few minutes. Upon approval, funds are swiftly sent to your bank account, though bank transfer delays may apply.

Fundency short-term loans are a versatile option for handling urgent or unexpected expenses, including medical bills, car repairs, veterinary expenses, utility bills, and additional cash needs during holidays.

Fundency employs a straightforward fee structure. All short-term loans incur an establishment fee of 20% of the borrowed amount, along with a monthly fee of 4% for the duration of the loan.

Repayments can be conveniently set up through direct debit, automatically deducted from your nominated bank account weekly, fortnightly, or monthly. Additional payments can also be made through our website.

Insufficient funds may result in dishonour fees from both your bank and Fundency. If you anticipate challenges, contact our Customer Care team at 1300 048 156 or help@fundency.com.au to discuss alternative arrangements. In cases of financial hardship, we are open to adjusting your loan contract to assist you.