Credit Guide

(Credit Provider)

NMFG Pty Ltd

ABN 32 113 877 884
Trading as nmoni
Suite 1,Level 1
39 Plenty Road,
BUNDOORA VIC 3083

Phone: 03 9468 8200

Email: contact@nmoni.com.au

Web: https://www.nmoni.com.au/

Australian credit licence number: 392616

Complaints and Disputes:

If you have a complaint or dispute with us, please first raise the issue with our internal dispute resolution procedure by contacting our complaints officer:

Name:Complaints Manager
Telephone:03 9468 8200
Email:complaints@nmoni.com.au
Address:Level 1, Suite 1
39 Plenty Road
Bundoora VIC 3083

Alternatively, you can make contact with our complaints officer through be feedback form on our website at: https://www.nmoni.com.au/feedback/

If you consider that does not resolve the issue, you may contact our independent external dispute resolution scheme which is:

Name:Australian Financial Complaints Authority ( AFCA)
Address:GPO Box 3, Melbourne VIC 3001
Telephone:1800 931 678 ( free call)
Email:info@afca.org.au
Web:www.afca.org.au

Online complaint form: https://www.afca.org.au/make-a-complaint/

Copy of Assessment

If you ask us for a copy of our assessment as to why we approved your contract we must give you a copy of it. If you request it before entering into the agreement, we must provide it before the contract is entered into. If you ask for it up to 2 years after the agreement is signed, we must give it to you within 7 business days. If you ask for it within 7 years of the agreement being signed, we must give it to you within 21 business days.

Responsible Lending Obligations

We are not permitted by law to enter into an agreement with you which is unsuitable. To us to make that assessment, we are required make reasonable inquiries about:

  • your requirements and objectives in relation to your credit contract with us; and
  • your financial situation.

We are also required to take reasonable steps to verify your financial situation.

(Credit Assistance Provider)

NMFG Pty Ltd

ABN 32 113 877 884
Trading as nmoni
Suite 1, Level
39 Plenty Road,
BUNDOORA VIC 3083

Phone: 03 9468 8200

Email: contact@nmoni.com.au

Web: https://www.nmoni.com.au/

Australian credit licence number: 392616

Under the National Consumer Credit Protection Act 2009, we are required to give you a Credit Guide which provides you with some information relevant to the service we intend to provide to you. That information is the following:-

1. Information about fees and charges payable by you to us. If we are successful in introducing you to a lender which provide you with a credit contract acceptable to you, we will charge you a fee starting at 8% to a maximum of 15% + GST of the net amount borrowed capped at a maximum of $990.00 (GST inclusive). This amount will be payable by you out of the loan funds advanced.

2. The credit providers with which we conduct business. The credit providers with which we conduct business are:-

a. LoanU

b. WISR

c. Affordable Car Loans

d. Latitude Financial

3. Commissions likely to be received. We will receive a commission from the credit providers if you take out a loan with them (in addition to the amount payable by you set out in paragraph 1 above). The amount of the commission varies between the lenders and is calculated as follows:-

a. LoanU – We will receive a commission of 0% – 3% + GST of the Net Amount Financed

b. WISR – We will receive a commission range between 0% – 1% + GST of the Net Amount Financed

c. Latitude Financial – We will receive a commission of 2.5% + GST of the Net Amount Financed

Process for resolving disputes.

If you have a complaint or a dispute with us, please first refer the matter to our complaints officer who will deal with the matter in accordance with our internal dispute resolution procedure. A copy of our written dispute resolution procedure is available on request. Our complaints officer may be contacted as follows:-

Name:Complaints Manager
Telephone:03 9468 8200
Email:complaints@nmoni.com.au
Address:Level 1, Suite 1
39 Plenty Road
Bundoora VIC 3083

Alternatively, you can make contact with our complaints officer through be feedback form on our website at:

https://www.nmoni.com.au/feedback/

If you consider that our complaints officer does not resolve the dispute, you may contact our independent external dispute resolution scheme which is:-

Name:Australian Financial Complaints Authority ( AFCA)
Address:GPO Box 3, Melbourne VIC 3001
Tel:800 931 678 ( free call)
Email:info@afca.org.au
Web:www.afca.org.au

Online complaint form: https://www.afca.org.au/make-a-complaint/

4. Obtaining a copy of the preliminary assessment.

If we make a preliminary assessment and you request us for a copy of the preliminary assessment within seven years of the date of the quote, we must give you a written copy of the preliminary assessment within 21 days.

5. Responsible Lending Obligations. We are not permitted by law to provide you with a service in relation to a loan which is unsuitable. The National Consumer Credit Protection Act prohibits us from providing assistance to you in certain circumstances. They include where:-

– you will be unable to comply with your financial obligations under the loan contract or will only be able to comply with substantial hardship, or

– the contract will not meet your requirements or objectives.

We are also required to take reasonable steps to verify your financial situation.

6. Further information

-We may make some payments to third parties in relation the arrangement we have with you.

-There may be volume bonuses paid at times with the some of the lenders we deal with.

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Head Office

Level 1, Suite 1 39 Plenty Road,
Bundoora, Victoria - 3083
Australia.

Business Hours

Mon-Fri: 9:00am - 5:00pm AEST
Sat: 9:30am - 12:30pm AEST
Sunday: Closed