Credit Guide.

About this guide

This Credit Guide is provided to you because we may help you apply for, or suggest, a credit contract or consumer lease. It sets out the information we're required to give you under the National Consumer Credit Protection Act 2009 (Cth).

Who we are

Fund 360 Pty Ltd (ABN 41 660 241 421) is an Authorised Credit Representative (574086) of Viking Asset Aggregation Pty Ltd, Australian Credit Licence 543046. We provide credit assistance through Hayden Gemmill, who is also an Authorised Credit Representative (569499) of Viking Asset Aggregation Pty Ltd.

What we do

We help individuals and businesses find and apply for finance, including vehicle, equipment, truck, marine, caravan and business finance, personal loans and novated leases. We compare options across a panel of lenders and help you through the application to settlement.

We provide credit assistance only. We don't provide financial, tax or legal advice, and we recommend you get independent advice where that's relevant to your situation.

Lenders we use most

We have access to a panel of 60+ lenders. The lenders we most commonly arranged consumer credit with in the last financial year were:

1. Metro Finance
2. AutoPay
3. Branded Financial
4. Resimac Asset Finance
5. Plenti
6. Angle Finance

Fees you may pay

A brokerage fee may be payable to us for our credit assistance. The amount depends on your loan and will be set out in your Credit Quote, which we give you before we provide credit assistance and before you agree to proceed. The fee is only payable if your loan settles. It's usually included in the amount financed, and occasionally invoiced to you separately at settlement. If your loan doesn't settle, no brokerage fee is payable.

The lender may also charge fees, such as establishment, account keeping or early repayment fees. These will be set out in your loan documents. You'll be told about any fees payable to us before you're committed to anything.

Commissions and referrals

Commissions we receive

If your loan settles, we may receive commission from the lender. Commissions are paid by the lender, not by you, and don't change the amount you repay. The commission we expect to receive, or how it's calculated, will be disclosed to you before you're committed to a loan.

Referral fees we may pay

If you were referred to us by a business or person, such as a dealership, accountant or broker, we may pay them a fee or commission for the referral. We'll tell you if a referral fee will be paid in connection with your loan.

Responsible lending

Before we suggest or help you apply for a consumer credit contract or lease, we must:

• make reasonable inquiries about your requirements and objectives;
• make reasonable inquiries about your financial situation;
• take reasonable steps to verify your financial situation; and
• make a preliminary assessment of whether the credit is "not unsuitable" for you.

Credit is unsuitable if it doesn't meet your requirements and objectives, or if you'd be unable to meet the repayments, or could only do so with substantial hardship.

You can ask us for a copy of our preliminary assessment within seven years of the date of your credit quote. If you ask within two years, we'll provide it within seven business days. After two years, we'll provide it within 21 business days. There's no charge for this.

Your privacy

We collect personal information to provide credit assistance, and share it with lenders and other parties involved in your application. Read our Privacy Policy for details of how we collect, use and store your information.

Complaints

If you're unhappy with our service, please tell us so we can put it right. We aim to resolve complaints quickly and fairly, and will give you a final response within 30 calendar days.

You can also complain to our licensee, Viking Asset Aggregation Pty Ltd, by emailing complaints@vikingmoney.com.au or writing to Complaints Officer, Viking Money, Level 4, 489-505 Toorak Road, Toorak VIC 3142.

If you're not satisfied with our response, or we haven't responded within 30 days, you can take your complaint to the Australian Financial Complaints Authority (AFCA), a free and independent external dispute resolution service.

See our Complaints page for the full process.