Legal Disclosure

Financial Services Policy Disclosure

Our loan terms are from 1 year to 4 years and our annual interest rates are fixed for the term of the credit contract. Our annual interest rates range from 19.95% to 29.95% with the default interest rate being an additional 10% per annum. The interest rate is determined by your credit profile, the security offered and several other factors that are calculated in accordance with the Credit Contracts and Consumer Finance Act 2003 (CCCFA).

Your credit contract will show your annual interest rate and all applicable credit fees and charges. Refer to ‘Our Fees and Charges’ document on this page for a full list of our fees and charges.

Lender Responsibility Principles

The Credit Contracts and Consumer Finance Act 2003 sets out the Lender Responsibility Principles with which we must comply. We have summarised the principles for you in the following link

Responsible Lending Code

The purpose of the Responsible Lending Code is to elaborate on and offer guidance on how the lender responsibility principles (summarised above) may be implemented. The Code is not binding but provides useful information and guidance. The Code is set out in full in the link below