Credit Guide

Download your PDF Credit Guide here.

Fair Go Finance is licensed to provide loans and leases under the National Consumer Credit Protection Act 2009 (NCCP Act). The NCCP Act regulates the activity of lending, leasing and finance broking.

Internal Complaints Officer contact details

Paul Walshe, 1300 324 746

External Dispute Resolution Scheme contact details

Australian Financial Complaints Authority (AFCA) T: 1800 931 678 E: info@afca.org.au W: www.afca.org.au (Member ID: 36979)

Under the NCCP Act, we’re obliged to ensure that any loan, lease or principal increase to a loan we arrange for you is not unsuitable for you.

To determine this, we will ask you some questions. The law requires us to: 1. Make reasonable inquiries about your requirements and objectives. 2. Make reasonable inquiries about your financial situation. 3. Take reasonable steps to verify that financial situation.

We may decide that credit is unsuitable if – at the time of the assessment – it seems likely that it doesn’t meet your requirements and objectives. Or if it’s likely that you couldn’t pay or could only pay with substantial hardship.

For these reasons, we might ask you for a lot of personal information. It’s vital that the information you give is accurate.

You can request a copy of the credit assessment of your application within seven years of the date of the loan contract, lease contract or principal increase. But we’re only required to supply it if a loan or lease contract is entered, or the credit limit is increased.

We’re continually improving our customer service and take complaints seriously. If you have a complaint, you can let us know by:

• Calling our Complaints Officer on 1300 FAIRGO or speaking to any of our representatives

• Emailing us at complaints@fairgofinance.com.au

• Write to us at PO Box Z5302, PERTH ST Georges Tce Post Shop, 66 ST Georges Terrace, PERTH WA 6000

We aim to resolve complaints quickly, so you feel satisfied and they don’t escalate further.

If we’re not able to reach an agreement on your complaint, you can refer it to an ASIC Approved External Dispute Resolution (EDR) Scheme, listed above.

External dispute resolution is a free service, giving you independent help to resolve complaints. To learn more about our dispute resolution process or details of our privacy policy, get in touch.