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Let's get started! Download the Fu app to your phone and start managing your money better today.

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New Feature!

Fupay is here!

Buy Now Pay Later everyday essentials like food, rent, cash or bills with our NEW Fupay feature.

Apply to get up to $200 cash deposited directly into your bank account, pay a BPAY bill up to $500 through the app or tap and pay in-store and online using a Fu Virtual Card.

Simply pay it back over 8 weeks with personalised repayments based on when and how much you can afford to repay.

All applications are subject to Fu's lending criteria.

Terms and conditions apply.

SmartSpend Beta

Here's how it works:

  1. If you haven’t already, DOWNLOAD THE FU APP and become a member.
  2. Link your everyday bank accounts that receive your regular income + spending accounts
  3. Tap on the shiny new ‘Fupay’ option in the menu to begin your application. SmartSpend


Defer a bill with Fu Bills, Tap n’ pay with a Fu Card or use Fu Cash to get a deposit into your account.



Tap for anything, anytime, anywhere with your Fu Card.

Personalised payments

Personalised repayments

Pay us back over 8 weeks.

Fu's lending rules:

Be over the age of 18.

Pass an identity verification check.

Be receiving regular income.

Income must be from a reputable organisation.

Have sufficient affordability to pay us back.

Fees and repayments

Here at Fu our fees are so small you’ll barely even notice them! In order to use Fupay, we simply charge you a processing fee that covers the cost of moving money. THAT’S. IT!

Need a spot fast? Calculate your fees below.

Calculate fees and repayments

Enter a payment amount between $20 and $500:

$ $

Max Repayments

Paid over 8 weeks with the frequency and number of repayments customisable to your own unique needs.



Terms and conditions apply.


Our Fu Card has a one-off set up cost of $5.00. We don’t ever charge monthly account keeping fees or interest. It’s a better deal for you and it feels good for us.

Read more about our fees