fbpx

Credit Guide

(Credit Provider)

NMFG Pty Ltd

ABN 32 113 877 884
Trading as nmoni
G.10, 7 Ormond Blvd,
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:

G.10, 7 Ormond Blvd,
Bundoora VIC 3083

 

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

 

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
G.10, 7 Ormond Blvd,
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 will 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 only be payable by you if the loan was approved and will then be incorporated and paid out from your loan proceeds. The fee payable will be separately disclosed to you in our Credit Proposal that will be provided prior to proceeding.

 

2. Our main providers with which we conduct business.

Some of our main providers are: –

  • Moneyplace
  • WISR
  • Affordable Car Loans
  • 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 usually calculated as a percentage amount. These amounts are paid to us by the lender and are not payable by you. We may provide these amounts on the Credit Proposal.

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:

G.10, 7 Ormond Blvd,
Bundoora VIC 3083

 

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:

1800 931 678 ( free call)

Email:

info@afca.org.au

Web:

www.afca.org.au

 

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.
women laptop

How we find great rates

1. Complete our online application

10 minutes is all it takes.

2. We search for the best lenders

We go to work to find the best deal for your situation from a panel of over 20 lenders.

3. Choose your loan

Choose your preferred lender with complete transparency of rates and fee's.

4. We send you the money!

Review and sign the loan documents and we transfer the money within 24 hours.

Use the nmoni advantage to save

We compare, you save

We'll find a great deal from our panel of over 20 lenders.

Low rates

We use our 20 years of experience and cutting edge technology to find you the lowest possible rate for your circumstances

Protect your credit score

Applying for a loan won't impact your credit score until you are ready to proceed.

No nasty surprises

All fees and charges are fully disclosed upfront so you know exactly what is going on and what it’s going to cost.

Easy. Apply in 10 minutes.

We’ve built a simple, easy and secure online system to fast track your loan request.

Speedy decisions

We can provide approvals within a few hours.

Fast Funding

Get your funds the same day.

Flexible loan repayments

To suit you and your situation.

Bad credit history considered

We look beyond your credit score to understand your situation.

Ready to get started?

Apply anytime, any where