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CREDIT GUIDE Pty Ltd Credit Guide
ABN 88 161 036 228 | Australian Credit Licence 433137 | Level 40, 123 Eagle Street, Brisbane QLD 4000

What is a credit guide?

A Credit Guide sets out important information about the services that we provide as a licensed credit assistance provider, any fees and commission payable to us, our responsible lending obligations and our internal and external dispute resolution procedures and how you can access them.

We are required to provide this Credit Guide to you as soon as practicable after it becomes apparent that we are likely to provide credit assistance to you.

What is credit assistance?

We provide credit assistance when we:

Our relationship with credit providers

We may refer your application to one of the following credit providers:

Credit Provider Website Privacy Policy
Finance 1
Green Light Auto

How will I pay for the credit assistance provided?

We will charge you a fee of up to $990.00 (including GST) if, as a result of us providing credit assistance to you, you enter into a credit contract with a credit provider. We may, at our discretion, reduce this fee.

This fee will be payable at the time the funds are released by the credit provider. No fee is charged if you do not accept the credit proposal we present to you prior to your acceptance of the credit we have obtained.

You can obtain information about how we calculate this fee by requesting it from us.

We will provide you with a credit quote containing details of our fees and any payments made to us by credit providers before we provide you with credit assistance.

What information is required in order for us to provide credit assistance?

Before we provide you with credit assistance, we are required to ask you for certain information and complete a preliminary assessment. We are required to consider:

We may also request documentation in order to verify the information we use in the preliminary assessment, such as pay slips, letter of employment and bank statements.

What is the purpose of a preliminary assessment?

By law, we must not provide you with credit assistance if the credit contract is unsuitable for you. If unsuitable, we cannot:

When is a credit contract unsuitable?

A credit contract will be unsuitable if:

We are required to assess that the credit products you select are not unsuitable for your needs. Because of this, it is important that you openly and honestly discuss with us your requirements, objectives, preferences, financial situation and repayment capacity.

Can I obtain a copy of the preliminary assessment?

We maintain a record of your personal profile including details gathered as part of our preliminary assessment. You are entitled to request a copy of our preliminary assessment, and we must give you a copy if you request one within 7 years after it was conducted. There is no charge for requesting or receiving a copy of the preliminary assessment. If you request a copy of the preliminary assessment:

We are committed to implementing and promoting a privacy policy, which is intended to ensure the privacy and security of your personal information.

Are commissions, fees or other benefits paid to by the credit provider?

When we provide you with credit assistance, we (or our directors, employees and authorised credit representatives) receive commissions from the credit providers involved. We may receive an upfront commission when we provide credit assistance to you. We can provide, on request, a reasonable estimate of the commission likely to be received and how it is calculated. We have volume bonus arrangements with the following credit providers, under which may receive additional commission depending on the total volume of business we place with the credit providers:

Finance1, Green Light Auto, Liberty, Macquarie, Pepper.

Are commissions paid by to other parties?

We may pay a referral fee to people or organisations that refer clients to us who receive credit assistance from us, for example third party brokers or car dealerships. All amounts paid to the referrer are from our share of the commission and benefits received from the credit provider. You won't pay any additional amount if we pay a referral fee. A referral fee is only paid to the referrer by on settlement of a loan. We can provide, on request, a reasonable estimate of the referral fee and how it is calculated.

What should I do if I have a complaint about the

If you have a complaint or concern about the service provided to you by us, please contact our Complaints Resolution Manager using the details below. As part of our Internal Dispute Resolution policy they will investigate the matter and endeavour to address it as quickly as possible.

Complaints Resolution Manager for
GPO Box 7001, Brisbane QLD 4000
Ph 1300 889 669 or Email

Our aim is to completely resolve any issues you raise. If, despite our best efforts, you believe your complaint has not been satisfactorily dealt with you can refer your complaint to our external dispute resolution scheme, which can be contacted as follows:

Australian Financial Complaints Authority
GPO Box 3
Melbourne VIC 3001

Ph: 1800 931 678
Fax: (03) 9613 6399

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