Credit Guide
This is the Credit Guide of Cash Australia (Int) Pty Ltd (trading as Cash Australia) ABN No 57 008 191 599 Australian Credit Licence Number 386209and applies where we are considering providing credit to you.
This credit guide provides information about our loan products where we are the provider of the credit.
We are licensed to provide loans and leases under the National Consumer Credit Protection Act 2009 (National Credit Act). The National Credit Act regulates the activities of lending, leasing, credit assistance and finance broking.
Loan Products we Provide
We offer a range of loans. These include:
- Personal Loans:
- Small Amount Credit Contracts, and
- Medium Amount Credit Contracts.
Our obligations as a lender
Under the National Credit Act, we are obliged to make a credit assessment to ensure that any credit we provide to you is not unsuitable. Credit will be unsuitable if, at the time we make our assessment, we form the view it is likely that at the time credit is provided:
- You will not be able to pay or could only pay with substantial hardship; or
- The credit will not meet your requirements or objectives.
To assist us in making our assessment under the National Credit Act we must:
- make reasonable enquiries about your requirements and objectives;
- make reasonable enquiries about your financial situation, and
- take reasonable steps to verify your financial situation.
Accordingly, we will need to ask you various questions, gather information and make enquiries. It is important that the information you provide to us is complete and accurate.
You have a right to receive a copy of the credit assessment
You can ask us for a written copy of our credit assessment, which will include a summary of the inquiries we made and the factual information we relied on in making that assessment.
You can ask for this assessment either before you decide to accept an offer of credit or up to 7 years after you enter into the credit contract (including a credit limit increase) However, we are not required to provide you with a copy of our assessment if we decline your application or if you decide not to proceed with any offer made.
You also have other rights to access and correct personal information we hold about you under the provisions of the Privacy Act 1988 (Cth). Please refer to our privacy policy which is available at https://cashaustralia.com.au/#home or by contacting our office.
If we are unable to assist you with a loan or lease then, with your consent, we may refer details of your application to other credit providers who may be able to assist you with finance. Where you are successful in obtaining a loan from one of our referral partners we may receive a referral fee.
Our Dispute Resolution Procedures - How we aim to resolve complaints and disputes
We hope you are delighted with our services, but if you have any complaints, you should notify us by contacting our Complaints Officer, Kon Andrews, whose contact details are:
Address: Suite 14 / 70 Walkerville Terrace, Walkerville SA 5081
Telephone: (08) 8281 9383
Fax: (08) 8258 6113
Email: loanmanager@cashoz.com (marked to the attention of Kon Andrews)
Hopefully, we will be able to resolve your complaint using our Internal Dispute Resolution process. However, if we are unable to resolve your complaint to your satisfaction then you may refer the matter to our external dispute resolution scheme provider. This is a free service designed to provide you with an independent mechanism to resolve specific complaints.
Our dispute resolution provider is the Australian Financial Complaints Authority and they can be contacted on:
Online: www.afca.org.au
Email: info@afca.org.au
Phone: 1800 931 678
Mail: Australian Financial Complaints Authority
GPO Box 3
Melbourne VIC, 3001
This Credit Guide is current as from 1 February 2022.
Questions?
If you have any questions about this Credit Guide or anything else about our services, just ask at any time. We’re here to help you.