Credit Guide & Quote

01 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, Branded Financial Services, WISR and Plenti, although we also use other credit providers.

02 Information We Will Require From 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. Therefore, we will need some information from you. It is important that the information you provide is entirely accurate.

03 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 generally provide you with this documentation within 7 business days of receiving your request. 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.

04 Fees Payable by You to Us

We may charge you up to $990 (incl. GST) as an Origination Fee for our services when providing credit assistance, although this is only payable should the loan proceed. It is a one-off fee, payable at loan settlement. This fee may be paid directly to us, or part of the loan disbursements. If via loan disbursement, this will increase your loan by the fee amount.

05 Fees Payable by You to Third Parties

When the application for a loan or lease is submitted and ultimately proceeds to settlement, you may be required to pay fees to third parties associated with the application, such as the credit provider’s application fee, security registration fee, inspection fee or other fees. If applicable, 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.

06 Commissions Received by Us

Commissions may be payable to us by the credit provider for any loan or lease that is settled. The amount varies between lenders and the amount of credit that you receive. These 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.

07 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.

08 Complaints

If you have a complaint, contact our Complaints Officer at National Leisure Finance on 1800 653 346, email info@nlf.net.au, or write to 5 Homan Court, Warrandyte South VIC 3134. Please provide as much detail as possible so we can address the matter promptly. The detailed internal dispute resolution process is described in our Complaints Policy.

External dispute resolution

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 (AFCA) on 1800 931 678, via www.afca.org.au, or by writing to GPO Box 3, Melbourne VIC 3001. AFCA is a no-charge external and independent dispute resolution service.

09 Credit Quote — Fees and Charges

We quote you an Origination Fee of up to $990 (incl. GST) for assisting you to secure a loan. This fee will only apply should we obtain approval for your loan and it subsequently settles. This fee may be paid directly to us, or part of the loan disbursements. If via loan disbursement, this will increase your loan by the fee amount. It is a one-off fee, payable at loan settlement.

10 Your Acknowledgement and Agreement

11 Credit Provider Schedule

We may submit a credit application to any of the following credit providers. Their ABN or ACN and website addresses are listed for your reference. This schedule is provided for identification and is not limited to the credit providers we most commonly use.