Credit Guide - Fast Lane Finance

Credit Guide

Fast Lane Finance

Credit Guide:

Information about Fast Lane Finance

Licensee:

Fast Lane Finance Pty Ltd T/As Fast Lane Finance

  • ABN: 45 169 504 698 ACN: 169 504 698
  • Australian Credit Licence: 463 804
  • 1705 Albany Hwy, Kenwick WA 6107
  • Phone: (08) 9452 0063
  • Fax: (08) 9459 9788

This Credit guide provides you with information about our services and those of our representatives. It contains information about various fees and charges that may be payable by you to us, as well as about certain commissions we may receive from a licensee when we are acting as a credit representative, or we pay to certain third parties. It also contains information about what you should do if you have a complaint or dispute in connection with our services as a credit representative.

Our Services:

We assist you in selecting and obtaining finance that suits your requirements

Our Lenders:

Subject to meeting credit requirements, we can assist you to obtain finance through a range of lenders as listed below:

  • Green Light Auto
  • Pepper Money
  • AFS
  • GoGetta Equipment Funding
  • Liberty Financial Pty Ltd
  • BRANDED Financial Services
  • Macquarie Group Limited
  • Money 3
  • Latitude
  • Finance One
  • Now Finance

What we need from you:

Under current NCCP regulations we are required to ensure that any loan we assist you in obtaining is not unsuitable to yourself. To ensure this we are required by law to make reasonable inquiries and verify that:

  • The loan will meet your requirements and objectives;
  • You will be able to meet the required repayments based on your current financial situation

We will be unable to assist you if it is determined that:

  • You will be unable to meet the proposed repayments without suffering substantial financial hardship
  • The loan will not meet your requirements or objectives

For these reasons we may at times ask you for further information and it is essential that the information you provide us is accurate.

If we assist you in obtaining or applying for credit you may ask us for a copy of our credit assessment at any time within 7 years of us providing you with assistance.

Fees and Charges: 

We may charge a fee for providing you with credit assistance. This fee will be disclosed prior to submitting your loan documents to a lender. There are no other fees charged to you by us. You may be liable for other fees such as application fees to the Lender. These fees are not payable if finance is not approved. You should review your loan documents for details of any other fees or charges.

Commissions we may receive: 

We may receive commissions from Lenders who provide finance to you as our customers. These commissions are not paid by you. You may obtain reasonable information from us of these commissions and how they are calculated. We may also receive Volume Bonus’s from lenders based on the volume of business we provide them.

Commissions we may pay:

We source clients and referrals from a variety of sources. At times we may pay a fee to third party’s for referring business to us. These fees or commissions are generally small amounts and are not paid by you. You may obtain reasonable information from us of these fees or commissions and how they are calculated.

Complaints and Disputes: 

We endeavour to provide you with the best service possible, however if we fall short you can let us know by contacting our Complaints Department as follows:

Phone: (08) 6165 2200

Email: [email protected]

Post: 1705 Albany Hwy, Kenwick WA 6107

Please feel free to mention to any of our representatives that you are unhappy with our service.

We strive to resolve all complaints promptly and professionally and avoid any unnecessary escalation of minor complaints.

If we are unable to resolve your complaint you may refer it to an ASIC approved external dispute resolution scheme. This is a free service to provide you the consumer with an independent third party to assist you in resolving specific complaints.

Our external dispute resolution service provider is the Financial Ombudsman Service Limited, which can be contacted via:

  • Telephone: 1300 78 08 08
  • Online complaint form: http://www.fos.org.au/feedback
  • Website: http://www.fos.org.au
  • Mail: GPO Box 3, Melbourne VIC 3001
  • Fax: (03) 9613 6399

Disclaimer: 

We do not make any guarantees regarding the current or future value of any vehicle, product or service that we assist you in obtaining finance for. It is recommended you make your own enquiries if you are unsure of the value of a vehicle, product or service.

We are unable to and do not provide financial or legal advice. It is important that you ensure you are aware of and understand your legal obligations under the finance obtained and any financial consequences as a result of obtaining finance. If you are unsure it is recommended you obtain independent financial and legal advice prior to entering into a contract for finance.

If you have any further questions regarding our credit guide and services we provide, you can contact us as listed below:

Phone: (08) 6165 2200

Email: [email protected]