Fundo Loans Pty Ltd


We aim to provide the very best service for our customers in meeting their needs and expectations and our systems and processes are designed with this objective in mind. However, we understand that on occasions there may be times where you are unhappy with some part of our service. If so, our internal dispute resolution process provides that your complaint will be handled efficiently, honestly and fairly.

Fundo Loans Pty Ltd (Fundo) is authorised to engage in credit activities under Australian Credit Licence 491418. If you wish to contact Fundo to discuss any concerns you may have, please contact us:


We will provide acknowledgement of receipt of your complaint within one business day, if the complaint is not otherwise resolved in the meantime. We will ensure that a final response is given to your complaint as soon as possible, within ten (10) days if possible, but certainly within thirty (30) days of receipt of your complaint. For certain types of complaints, involving default notices or urgent disputes such as applications for hardship, a final response must be provided by us within twenty-one (21) days.

If we cannot respond to your complaint within the relevant timeframes, we will inform you of the reasons for the delay and of your right to refer the complaint to our External Dispute Resolution Scheme (see below).

We will have provided a final response to the complaint if we:

  • Accept the complaint and, if appropriate, offer redress, or offer redress without accepting the complaint; or
  • Reject the complaint.


Where we are unable to resolve a complaint to your satisfaction at the time of receipt, we will give you a written response to your complaint and the reasons for reaching a particular decision on the complaint. We will adequately address the issues that are raised in the complaint. Where practicable, our response will refer to applicable provisions in legislation, codes, standards or procedures.


If we accept the complaint and are of the view that a remedy is appropriate, the remedy may be non-financial as well as, or instead of financial.

If we consider that a financial remedy is appropriate, we will determine and provide reasonable compensation in accordance with our obligations under the relevant legal principles, EDR Scheme Rules, other relevant codes of conduct and concepts of fairness and relevant industry best practice.


We will keep data concerning the complaint that will enable analysis according to: Type of complaint; Subject of complaint; Outcome of complaint; Timeliness of response. So that we can identify any systematically recurring problems, we will classify complaints accordingly. Subject to legal constraints, including constraints as to privacy, we will make available data collected in respect of the complaint upon request to our EDR Scheme and the Australian Securities and Investments Commission.


If you are not satisfied with the outcome of our investigation of your complaint, you have the option of contacting the Australian Financial Complaints Authority (AFCA), of which Fundo is a member, on:

  • Freecall: 1800 931 678
  • email: info@afca.org.au
  • Mail: GPO Box 3 Melbourne Vic 3001
  • Website: www.afca.org.au
We do not charge a fee in respect to any complaint.


We will review our Internal Dispute Resolution Policy and procedures annually to ensure that our complaints management systems are operating effectively. The most recent review was in April 2024.

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and funded - in minutes

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See why our customers love us

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Fast, reliable, easy to use, reasonable. Helped me out with medical and vet bills. Been a life saver
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Very easy to apply and money was transferred within the hour
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Application process took 5 minutes max. It really pays to be a repeat customer because these guys make it simple. Thanks, Fundo!
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Fundo Credit Score

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Increase your Fundo Credit Score to boost your chance of getting approved on your next loan.

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Fundo loan example

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Borrow between
$500 to $5,000
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payment terms
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No hidden fees
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Money within 60 secs
if NPP enabled

Small loan

Loan amount from $500 to $2000
Minimum 91+ days to maximum 6 months
20% establishment fee and a flat
4% monthly fee4

Term20 weeks
Loan Amount$1,000
Establishment fee$200
Total monthly fee (over 20 weeks)$200
Total repayable$1,400
Weekly repayment$70.00

Medium loan

Loan amount from $2001 to $5000
Minimum 91+ days to maximum 2 years
$400 establishment fee, interest at
47.80% p.a. (comparison rate 66.58% p.a.)5

Term2 years
Loan Amount$2,500
Establishment fee$400
Total interest (over 2 years)$1,553
Total repayable$4,453
Fortnightly repayment$85.63

4 Fees are based on loan principal advanced.

5 The comparison rate is specific to a $2,500 loan over a two-year term with a $400 establishment fee and fortnightly repayments. Any deviation in loan amount, term, or additional fees and charges can result in a different comparison rate, and the given comparison rate only applies to the presented example.

6 The example assumes timely repayment as per the loan agreement, or additional fees and charges may apply.

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¹As soon as you sign your contract and if all other requirements have been met, we instantly send the funds to your nominated bank account. If your bank works with the New Payments Platform (NPP), most customers see funds in their account within 60 seconds. If your bank is not NPP enabled, or it is a weekend or a public holiday, the funds are usually received by the next business day. Fundo cannot guarantee that loan funds will be received within 60 seconds

²Applying for a loan with Fundo usually takes about 3 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 of our customers do receive a same-day response to their application with Fundo, if they submit their loan application and all the requested supporting information by 4pm Sydney time during a regular business day.

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We typically respond within 2 min or sooner.