Purpose of This Guide

This Credit Guide is provided to you in accordance with the National Consumer Credit Protection Act 2009 (NCCP Act). It is designed to help you decide whether to use our credit assistance services. Please read this guide carefully before engaging our services.

About Us

Your Finance Guide Pty Ltd (ABN 12 345 678 901) is a Credit Representative (CR 987654) of National Finance Group Pty Ltd (Australian Credit Licence 389328).

How We Are Paid

Our services are provided at no cost to you. We are paid by the lender when your loan settles. This does not affect the interest rate or fees you pay.

Upfront Commission

When your loan settles, the lender pays us an upfront commission. This is typically between 0.3% and 0.7% of the loan amount (inclusive of GST), depending on the lender and product type. For example, on a $50,000 car loan, the upfront commission might be between $150 and $350.

Trail Commission

Some lenders also pay an ongoing trail commission for the life of the loan. This is typically between 0.0% and 0.15% per annum of the outstanding loan balance. Not all products include trail commissions.

Referral Fees

We may pay referral fees to third parties who refer clients to us, or receive referral fees when we refer you to other service providers. Any referral arrangement will be disclosed to you prior to providing credit assistance.

You are entitled to request further details about the commissions or fees we receive in relation to your loan. Please contact us if you would like this information.

Our Lender Panel

We have access to a panel of 50+ lenders, including major banks, non-bank lenders, and specialist financiers. Our panel is reviewed regularly to ensure we can offer competitive products across a range of lending needs. We are not required to compare all products in the market — only those available on our panel.

A full list of our current lender panel is available on request by contacting our office.

Complaints

Internal Dispute Resolution

If you have a complaint about our services, we want to hear about it. Please contact us at:

We will acknowledge your complaint within 1 business day and aim to resolve it within 30 calendar days. We will keep you informed of the progress of your complaint.

External Dispute Resolution

If you have a complaint about our services, please contact us first at complaints@yourfinanceguide.com.au. If you are not satisfied with our response, you can contact the Australian Financial Complaints Authority (AFCA) — Member 09876 — at www.afca.org.au or 1800 931 678.

Privacy

We are committed to protecting your personal information. We collect, use, and disclose your personal information in accordance with our Privacy Policy and the Australian Privacy Principles under the Privacy Act 1988.

The personal information we collect is used to assess your finance application and provide our services. We may disclose your information to lenders, valuers, insurers, and other parties involved in the lending process.

Your Consent

By engaging our services, you acknowledge that you have received and read this Credit Guide. You consent to us collecting, using, and disclosing your personal information as described in this guide and our Privacy Policy. You also consent to us making enquiries with credit reporting bodies and other third parties as necessary to assess your application.

Contact Us

If you have any questions about this Credit Guide or our services, please don't hesitate to contact us.