About Us

Who are we?

Capfin Australia

As part of the global Capfin family, our Australian business is aligned to the core vision for which Capfin and its employees, the world over, stand for. This is supported by our key values of Customer Focus, Innovation, Excellence, Integrity and Community.

This vision points to Capfin’s belief that our way of offering credit and service is a better way. Better than the banks and better than smaller, less reliable, players. Better means faster, better means with the highest standards of personal information protection and better means with the respect and confidentiality that you deserve. We embrace the latest in credit management and self-service technology, putting the power in the hands of our customers. Our CapfinDirect self-service suite offers our customers a world-class loan account management toolset, and ensures a 24/7 service that exceeds those of many of our competitors.

We specialise in meeting your short term cash needs, with loans from $500 to $5000, and exceeding your customer service expectations.

Our Commitment to you

We commit to always assessing your financial requirements with you, attending to all the necessary paperwork and requirements for your loan application, sourcing and offering a loan that is suitable to your situation and needs and most of all, honestly and transparently, addressing any questions or issues you may have during the term of your loan in a friendly timeous manner.

We commit to not charging you anything if we are unsuccessful in completing your loan application. In other words, it costs you nothing to apply. We will always make sure that the fees and charges related to the Loan Agreement are clear to see and will be disclosed to you upfront.

Our History

Spot Loans

For the 10 years (leading up to January 2016) Fundco Pty Ltd was known as Spot Loans. That’s a decade of success in meeting the credit needs of everyday Australians. And, while we are now part of the bigger global Capfin family, our people and famous service ethos remain the same. Officially we were and still are the registered business name for Fundco Pty Ltd (ACN 132 650 205), with the Australian Credit Licence Number 385579.

Our founders and employees have formed trusted, lasting relationships with our customers and we will continue to take the heart of Spot forward as part of Capfin, but with the added benefit of global expertise and best in class financial services technology.

lf you have a dispute you wish to raise, please review our Dispute Resolution Policy here.

Approving Personal LoansThe Capfin team has been lending in Australia for more than ten years, starting with the first Spot Loan written in 2004.

Customer Satisfaction RatingCapfin's customer satisfaction rating is the result of a Customer Insights Survey. The survey speaks to more than 2500 customers every second year.

Loans Written GloballyCapfin has written more than 3.5 million loans globally (throughout South Africa and Australia and soon to be expanded throughout Europe).

Australian Credit License NumberCapfin Australia is the registered business name for Fundco Pty Ltd (ACN 132 650 205), with Australian Credit Licence Number 385579.