Credit Terms & Fee Schedule
Full regulatory disclosures for Line of Credit products under Australian Credit Licence 525087.
Complete Fee Breakdown
| Fee Type | Amount | Details |
|---|---|---|
| Establishment Fee | $0.00 | Zero upfront cost to set up your line of credit. |
| Monthly Account Fee | $0.00 | No monthly management or maintenance fees. |
| Early Repayment Fee | $0.00 | Pay out your balance early anytime with zero penalties. |
| Dishonour / Late Fee | $33.00 | Charged only if a scheduled direct debit declines or payment is missed. |
Personalised Interest Rate Tiers
Good Credit
19.95% p.a.
Long history of making repayments on time for existing loans and utilities.
OK Credit
35.00% p.a.
Generally meets repayments, with occasional minor past payment delays.
Challenged Credit
48.00% p.a.
Past defaults or less stable repayment patterns. Subject to full affordability check.
ASIC Warning about Borrowing
Do you really need a loan? Consider alternatives before borrowing. It can be expensive to borrow money. For information about financial assistance and independent advisory services, visit Moneysmart.gov.au or call 1800 007 007.