Credit guide

This credit guide gives you information about Suffice Finance Pty Ltd and your rights when dealing with us. We'll give you this guide as soon as practicable once it becomes likely that we will enter a credit contract with you.

Who we are

Suffice Finance Pty Ltd
ABN 41 654 196 040 · ACN 654 196 040
Australian credit licence 541418
Unit 70/13 Jusfrute Dr, West Gosford NSW 2250
Phone: 0451 248 745 · Email: info@suffice.com.au

Suffice holds its own Australian credit licence and provides credit in its own right under that licence. We do not act as a credit representative of another licensee, and no other person is authorised to provide credit assistance on our behalf through this website.

Our obligations to you

Before entering a credit contract with you, we must assess that the contract is not unsuitable for you. This includes making reasonable inquiries about your requirements, objectives and financial situation, and taking reasonable steps to verify that information.

You can request a copy of our assessment free of charge. If you ask before entering the contract, we'll give it to you before you enter it. If you ask within two years of the contract date, we'll provide it within 7 business days; if you ask between two and seven years after that date, within 21 business days.

Fees, charges and commissions

The fees and charges that apply to a loan (such as any establishment fee, monthly account fee, or default-related costs) are set out in your loan contract and quoted to you before you accept, so you can consider them alongside the rate and repayments. We do not charge you a fee to apply or to receive a loan offer. If we ever pay or receive a commission in connection with your loan (for example, to a referrer who introduced you), the existence and nature of that arrangement will be disclosed to you before you enter the contract.

If something goes wrong

If you have a complaint, contact us first. Our internal dispute resolution process is free and we aim to resolve complaints promptly. See complaints & disputes for the full process.

If we can't resolve your complaint to your satisfaction, you may contact the Australian Financial Complaints Authority (AFCA), a free and independent external dispute resolution scheme:

• Online: afca.org.au
• Phone: 1800 931 678 (free call)
• Email: info@afca.org.au
• Post: GPO Box 3, Melbourne VIC 3001

Suffice Finance Pty Ltd is a member of AFCA (member number 99980). AFCA's service is free to you, and its decisions can bind us.

Financial hardship

If you're experiencing financial difficulty, you have the right to ask us for a hardship variation. See financial hardship assistance for how to make a request and what happens next.