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Credit Guide

KEY INFORMATION:
About Us (“we/us/our”)
Credit Representative:Name: Anytime Finance Australia Pty Ltd
CR Number: 551050
Credit Representative contact detailsAddress: 21 Harvey St North, Eagle Farm QLD 4009
Telephone:0406704528
Email: [email protected]
Licensee name, ABN and ACL:Name: National Finance Connections Pty Ltd (ACN 661 296 457) t/a Viking Aggregation
ABN: 16 661 296 457
ACL: 543046
Licensee Contact details:Address: L4 165 Adelaide Tce East Perth W.A 6004
Telephone: 08 62000903
Email: [email protected]
OUR CREDIT SERVICES:

We will assist you to select a loan or lease to meet your needs. The credit providers we most commonly use are Secure Funding (Liberty), Pepper Money, Latitude Financial Services, Angle Finance, Money 3 & Firstmac , although we do use others.

A full list of our credit providers is contained in the Credit Provider Schedule at the end of this document (“Credit Providers”).

INFORMATION WE WILL REQUIRE FROM YOU:

Before we provide any credit assistance to you, we are obliged to ensure any loan or lease we suggest or assist you to apply for, including an increase to an existing credit limit, is not unsuitable for your purposes. This includes if the loan or lease does not meet your requirements or objectives, if you are unable to make the repayments, or you could only do so with substantial hardship. We will take reasonable inquiries and take reasonable steps to verify certain information about you. Therefore, we will need some information from you to understand your financial situation, requirements and objectives. It is important that the information you provide is entirely accurate.

COPIES OF OUR ASSESSMENT:

At any time within 7 years of us providing you with credit assistance, you may request a copy of the preliminary credit assessment. We will provide you with this documentation within 7 business days of receiving your request provided the request is within 2 years of the date of our credit assistance quote. However, if your request is more than 2 years after the date of our Credit Quote, we may take up to 21 business days after receiving the request.

FEES PAYABLE BY YOU TO US:

We may charge you for our services when providing credit assistance. If a fee is to be charged, this will be disclosed to you in our Credit Quote which will be provided before applying for finance. You can ask us how they are worked out.

FEES PAYABLE BY YOU TO THIRD PARTIES:

When the application for a loan or lease is submitted, you may be required to pay fees to third parties associated with the application, such as the credit provider’s application fee, valuation fee or other fees. These will be detailed in the Credit Proposal document and provided to you before you apply for finance. You can ask us how they are worked out.

COMMISSIONS RECEIVED BY US:

We are paid commissions by Credit Providers for introducing customers. The Credit Providers we deal with will usually pay a commission based on the size of the loan and the particular loan product you have selected.

We only receive a commission if your loan is settled and is paid to us either directly by the lender, or by our Aggregator. Commissions are not directly payable by you and these will be disclosed within the Credit Proposal document that will be provided to you before applying for finance. You can ask us for an estimate of these commissions and how they are worked out.

COMMISSIONS PAYABLE BY US:

If you are referred to us by a third party, we may pay that entity a commission for the introduction of your business. For example, we may pay commissions to real estate agents, car or boat dealerships and accountants. These commissions are not directly payable by you. You can ask us for an estimate of these payments and how they are worked out.

VOLUME BONUS ARRANGEMENTS

We have volume bonus arrangements in place with our Credit Providers. Commissions received by us (from Credit Providers or from our Aggregator) may depend on the volume of loans written with those lenders, and that the commission may be volume driven. If we write a particular volume of loans with those lenders, we may receive additional commissions or indirect benefits such as training, professional development days or sponsorship.

DISPUTE RESOLUTION AND COMPLAINTS:

We hope that you are pleased with our service, although if you do have a complaint you can contact our Complaints Officer on the phone number, email or mail address, listed above in the ‘Key Information’. Please provide us with as much detail as possible in your complaint so we can address promptly and hopefully resolve it to your satisfaction.

If you are not satisfied with the outcome of our attempt to resolve your complaint, you may refer the matter to the Australian Financial Complaints Authority Australia on phone 1800 931 678 or via email on [email protected] or by writing to GPO Box 3, Melbourne VIC 3001. The Australian Financial Complaints Authority Australia is a no-charge external and independent dispute resolution service.

QUESTIONS AND FURTHER INFORMATION:

If you have any questions about this Credit Guide or any other aspect of our services, please do not hesitate to ask.

CREDIT PROVIDER SCHEDULE:
CREDIT PROVIDERABN or ACNWEBSITE ADDRESS
Affordable Car Loans23 098 491 484www.affordablecarloans.com.au
Alex Bank Pty Ltd13 627 244 848www.alex.bank
Allied Credit Pty Ltd65 143 964 667www.alliedcredit.com.au/privacy-policy/
Angle Asset Finance Pty Ltd98 603 303 126www.anglefinance.com.au
Australian and New Zealand Banking Group Ltd (ANZ)11 005 357 522www.anz.com
Australian Motorcycle & Marine Finance Pty Ltd83 603 969 875www.ammf.com.au
Automotive Financial Services Pty Limited73 003 622 375www.afs.com.au
Auzcap Pty Ltd73 650 612 338www.auzcap.com.au
Azora Asset Finance Pty Ltd12 087 826 159www.azora.com.au
Azora Personal Loans Pty Ltd53 147 803 576www.azora.com.au
Bank of Queensland Limited32 009 656 740www.boq.com.au
Bizcap Au Pty Ltd54 633 927 090www.bizcap.com.au
Branded Financial Services Pty Ltd27 004 013 334www.brandedfinancial.com.au
Capital Finance Australia Limited23 069 663 136www.capitalfinance.com.au
Cfi Finance30 166 603 578www.cfifinance.com.au
Commonwealth Bank of Australia48 123 123 124www.commbank.com.au
Credit Corp Financial Services Pty Ltd (Car Start)39 146 525 706www.creditcorp.com.au
Earlypay Ltd88 098 952 277www.earlypay.com.au
Finance One Commercial Pty Ltd18 634 900 548www.financeone.com.au
Fin One Pty Ltd80 139 719 903www.financeone.com.au
Firstmac Asset Funding Pty Ltd50 601 556 647www.firstmac.com.au
Flexi Commercial Pty Ltd17 644 644 860www.flexicommercial.com/au
United Loan Solutions Pty Ltd (T/as Gedda Money)83 611 343 573www.gedda.com.au
Greenlight Auto Group Pty Ltd39 131 507 474www.greenlightauto.finance/legal/privacy-policy
Group & General Finance Pty Ltd87 000 903 257www.groupandgeneral.com
Grow Finance Limited80 613 082 698www.grow.com.au
Judo Bank Pty Ltd11 615 995 581www.judo.bank
Latitude Automotive Financial Services80 004 187 419www.latitudefinancial.com.au
Latitude Personal Finance Pty Ltd54 008 443 810www.latitudefinancial.com.au
Liberty Financial Pty Ltd55 077 248 983www.liberty.com.au
Lumi Financial Management Pty Ltd79 627 897 643www.lumi.com.au
Macquarie Leasing Pty Ltd46 008 583 542www.macquarie.com.au
Maple Commercial Finance Pty Ltd15 639 196 802www.maplecommercial.com.au
Metro Finance Pty Ltd44 600 674 093www.metrofin.com.au
Money Me Financial Group Pty Ltd (Autopay)40 163 691 236www.moneyme.com.au
Money 3 Loans Pty Ltd36 108 979 406www.money3.com.au
Moneytech Group Ltd24 611 393 554www.moneytech.com.au
Morris Finance70 083 630 139www.morrisfinance.com.au
Multipli Pty Limited12 130 240 443www.multipli.com
NAB12 004 044 937www.nab.com.au
Now Finance Group Pty Ltd35 158 703 612www.nowfinance.com.au
Pepper Asset Finance Pty Ltd56 165 183 317www.peppermoney.com.au
Plenti RE Limited57 166 646 635www.plenti.com.au
Prospa Advance Pty Ltd47 154 775 667www.prospa.com
Rapid Loans Pty Ltd54 103 660 546www.rapidloans.com.au
Resimac Asset Finance Pty Ltd93 098 034 041www.resimacassetfinance.com.au
R.A.C.V Finance Limited82 004 292 291www.racv.com.au
Salt & Lime Funding Pty Ltd82 619 815 833www.saltandlime.com.au
ScotPac79 008 636 388www.scotpac.com.au
Selfco58 099 591 616www.selfco.com.au
Shift Financial Pty Ltd24 149 390 625www.shift.com.au
Society One44 151 627 977www.societyone.com.au
Westpac Banking Corporation33 007 457 141www.westpac.com.au
WISR39 119 503 221www.wisr.com.au