FAQ

There are three primary credit reporting bodies here in Australia. They are: Equifax Experian Check Your Credit The Australian government requires these credit reporting bodies to provide all consumers free access to their credit report once a year. Consumers may also request a free credit report if they have been refused credit within the past

Yes. We always check an applicant’s credit history before approving their loan, but this does not mean that we deny everyone that has black marks and defaults in their credit file. If we find black marks in your credit record, we will generally talk with you about them and give you an opportunity to explain

Yes, it’s worth getting a second opinion. It could be that you’ve been declined at a car dealership that only has a one size fits all product. We have a panel of over 50 lenders. We run an internal assessment to see where your application fit’s best.

Yes, we have a panel of over 50 lenders. We run an internal assessment to see where your application fit’s best.

This depends on the lender. Some lenders allow you to add a partner or child as a co-applicant, meaning they will assess both parties’ income and expenses when considering the application. Keep in mind that some lenders will consider the lower of the two credit scores when calculating your interest rate, so in some cases,