Credit Guide
This Credit Guide contains important information about our credit services, licensing, fees and dispute resolution processes.
Key Information
Australian Credit Licence Holder
| Licensee | Beagle Finance Pty Ltd |
|---|---|
| Australian Credit Licence | 383640 |
| Address | Level 27, 10 Carrington Street, Sydney NSW 2000, Australia |
| Phone | 1300 346 787 |
| ik_support@loankit.com.au |
Our Credit Representative
| Name | Mr Aravind Sivarasu Kavandappan |
|---|---|
| Credit Representative Number | 568438 |
| Business Address | 282-284 Lonsdale Street, Dandenong VIC 3175, Australia |
| Phone | 0468 853 047 |
| ak@ajcap.au | |
| Domains | ajcap.au and ajcap.com.au |
Internal & External Dispute Resolution
| Internal Dispute Resolution | complaints@finsure.com.au |
|---|---|
| External Dispute Resolution | Australian Financial Complaints Authority (AFCA) |
| AFCA Website | www.afca.org.au |
| AFCA Email | info@afca.org.au |
| AFCA Telephone | 1800 931 678 |
| AFCA Mail | GPO Box 3, Melbourne VIC 3001 |
Our Credit Representatives
AJ Capital Australia engages credit representatives who are authorised under Beagle Finance Pty Ltd's Australian Credit Licence 383640. Our representatives provide credit assistance in relation to loans and leases sourced from a panel of lenders and lessors.
Fees & Charges
We do not generally charge a fee directly to you for our credit assistance services. Lenders may pay us a commission when a loan is settled. Any fees that may apply to your specific circumstances will be disclosed to you in a Credit Quote or Credit Proposal before you proceed.
Commissions
We may receive commissions from lenders and lessors in connection with credit assistance we provide. The amount and structure of commissions varies between lenders and products. If you would like further information about the commissions we may receive in relation to your loan, please ask us before proceeding.
Complaints
If you have a complaint about our credit services, please contact us in writing. We aim to acknowledge complaints promptly and provide an outcome within the timeframes required by law.
- Email: complaints@finsure.com.au
If you are not satisfied with our response, you may refer your complaint to AFCA. AFCA provides a free, independent dispute resolution service.
Privacy
We collect, use and disclose personal information in accordance with our Privacy Policy. This includes information provided to lenders as part of a credit application. For more details, please see our Privacy Policy.
General Advice Warning
The information contained in this Credit Guide is general in nature and has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information, you should consider the appropriateness of the information having regard to your objectives, financial situation and needs. We recommend you obtain independent legal, taxation and financial advice before making any financial decision.