Frequently asked questions

We're a licensed provider of credit assistance, not a lender. We help you understand your options, compare suitable products from our panel of lenders, and guide you through the application.

We'll still do our best to find a suitable solution. Every application is assessed individually by the lender. We can't guarantee approval, but we can promise honest, judgment-free advice.

Some lenders on our panel do consider Centrelink income as part of an application. We'll talk through what's realistic for your circumstances.

An initial conversation and comparison costs nothing. If we proceed with credit assistance, our fees are disclosed upfront in your Credit Guide and Credit Quote before you sign anything.

Our credit representatives are generally paid a commission by the lender on settlement, which is not payable by you. In some cases a direct fee (disclosed upfront, and no more than $2,000) may also apply. Full detail is in our Credit Guide.

Generally your income, expenses and identification details, so we can understand your financial position and make sure any product we suggest is suitable for you.

It varies by lender, product and your individual circumstances, so we're not able to promise a fixed turnaround time. We'll keep you updated as your application moves along.

We work across a panel of lenders and choose the products most suitable for your situation. Our current panel is available on request and is detailed in your Credit Guide.

Pre-approval is an early indication based on the information provided; final approval happens after the lender completes its full assessment, including verification of your documents.

We have an internal process to hear and address concerns quickly and fairly. If you're still not satisfied, you can escalate to the Australian Financial Complaints Authority (AFCA). See our Dispute Resolution page for details.