Website Terms of Use

  • About these Website Terms

    • These website terms of use (Terms) govern your use of our website, located at (Site) and form a binding contractual agreement between you, the user of the Site, and us, Fundo Loans Pty Ltd ACN 604 639 143 (Agreement).
    • For that reason, these Terms are important and you should ensure that you read them carefully and contact us with any questions before you use the Site. You can contact us on 1800 161 391.
    • By using the Site, you acknowledge and agree that you have had sufficient chance to read and understand the Terms and you agree to be bound by them. If you do not agree to the Terms, please do not use the Site.
    • Our website terms of use may change from time to time.

  • Your use of the Site

    • We grant you a non-exclusive, worldwide, non-transferable licence to use the Site, in accordance with the terms and conditions set out in these Terms.
    • You may access and use the Site (including any incidental copying that occurs as part of that use) in the normal manner and may also print one copy of any page within the Site for your own personal, non-commercial use.
    • You must not add any content to the Site:
      • unless you hold all necessary rights, licences and consents to do so;
      • that would cause you or us to breach any law, regulation, rule, code or other legal obligation;
      • that is, or could reasonably be considered to be, obscene, inappropriate, defamatory, disparaging, indecent, seditious, offensive, pornographic, threatening, abusive, liable to incite racial hatred, discriminatory, blasphemous, in breach of confidence or in breach of privacy;
      • that would bring us, or the Site, into disrepute; or
      • that infringes the intellectual property or other rights of any person.
    • The Site contains links to other websites as well as content added by people other than us. We do not endorse, sponsor or approve any such user generated content or any content available on any linked website.
    • You acknowledge and agree that:
      • we retain complete editorial control over the Site and may alter, amend or cease the operation of the Site at any time in our sole discretion; and
      • the Site will not operate on a continuous basis and may be unavailable from time to time (including for maintenance purposes).

  • Intellectual Property Rights

    • Nothing in these Terms constitutes a transfer of any intellectual property rights. You acknowledge and agree that, as between you and us, we own all intellectual property rights in the Site.
    • By posting or adding any content onto the Site, you grant us a perpetual, non-exclusive, royalty- free, irrevocable, worldwide and transferable right and licence to use that content in any way (including, without limitation, by reproducing, changing, and communicating the content to the public) and permit us to authorise any other person to do the same thing. This licence will survive any termination of these Terms.
    • You consent to any act or omission which would otherwise constitute an infringement of your moral rights and if you add any content in which any third party has moral rights, you must also ensure that the third party also consents in the same manner.
    • You represent and warrant to us that you have all necessary rights to grant the licences and consents set out in this section of the Terms.

  • Warranties

    • You represent and warrant to us that:
      • you have the legal capacity to enter these Terms; and
      • you have abided by the Terms relating to your use of the Site.

  • Liability

    • To the full extent permitted by law, we exclude all liability in respect of loss of data, interruption of business or any consequential or incidental damages.
    • To the full extent permitted by law, we exclude all representations, warranties or terms (whether express or implied) other than those expressly set out in these Terms.
    • These Terms are to be read subject to any legislation which prohibits or restricts the exclusion, restriction or modification of any implied warranties, conditions, guarantees or obligations. If such legislation applies, to the extent possible, we limit our liability in respect of any claim to, at our option:
      • in the case of goods:
        • the replacement of the goods or the supply of equivalent goods;
        • the repair of the goods;
        • the payment of the cost of replacing the goods or of acquiring equivalent goods; or
        • the payment of having the goods repaired, and
      • in the case of services:
        • the supply of the services again; or
        • the payment of the cost of having the services supplied again.

  • Termination

    • These Terms terminate automatically if, for any reason, we cease to operate the Site.
    • We may otherwise terminate these Terms immediately, on notice to you, if you have breached these Terms in any way.

  • General

    • You must not assign, sublicence or otherwise deal in any other way with any of your rights under these Terms.
    • If a provision of these Terms is invalid or unenforceable, it is to be read down or severed to the extent necessary, without affecting the validity or enforceability of the remaining provisions.
    • Each party must, at its own expense, do everything reasonably necessary to give full effect to this Agreement and the events contemplated by it.
    • This Agreement is governed by the laws of New South Wales and each party submits to the jurisdiction of the courts of New South Wales.

November 2023

Apply, approved
and funded - in minutes

Ready for loan illustration
Quick Application
Complete your app in just 3 mins²
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Instant Approval
Get approval on the same day you apply³
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Funds in 60 secs
Sign your contract and get money fast¹
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Green tick mark icon Safe and Secure. 3 min application²

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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Apply Now White arrow right icon
Green tick mark icon Safe and Secure. 3 min application²

Fundo Credit Score

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

Apply Now White arrow right icon
Green tick mark icon Safe and Secure. 3 min application²

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.

Apply Now White arrow right
Green tick mark icon Safe and Secure. 3 min application²

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.

Need more help?

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We typically respond within 2 min or sooner.