Edfin

Credit Guide

As an Authorised Representative of a licensed credit provider, we are required to give you a Credit Guide as soon as it becomes apparent to us that we may make a loan to you.

This guide includes information about our credit license provider, our responsible lending obligations to you, and our internal and external complaint handling procedures. Our credit license provider is Venus Capital

Here’s how you can resolve an issue:

Who is Venus Capital?

Venus Capital Finance program is a personal lending program that aims to provide fair, safe and affordable personal loans to individuals who may be limited in their current lending choices. Foresters also aims to assist clients beyond financial matters alone by linking them to alternate assistance programs, if appropriate.

Venus Capital Responsible Lending Obligations

We have a legal obligation to you not to make or arrange a loan, or increase the limit of an existing loan, if the loan is unsuitable for you at the time we make the loan.

Loan Suitability Assessment

A loan or loan increase will be unsuitable for you if, at the time the loan is made it is likely that:

During the Loan Assessment, we will:

make all reasonable enquiries about your requirements and objectives;
make reasonable enquiries about your financial situation; and
take reasonable steps to verify the information you have given us.
You can request a copy of our loan assessment (at no charge to you).
We must provide the assessment to you within the following timeframes:

Your Request Made:

We Will Give You Your Assessment:

We are not required to give you a copy of the assessment if:

Complaint Resolution

Internal Complaint Resolution – getting your complaint heard and resolved

Please talk to us first – we aim to resolve your complaint at your first point of contact with us and we encourage you to raise any matter directly with the Individual Finance team through any of the following channels:

Please talk to us first – we aim to resolve your complaint at your first point of contact with us and we encourage you to raise any matter directly with the Individual Finance team through any of the following channels:

Call us on

+61 (2) 8970 0696

Email us at

info@edfin.com.au

Write to us at

16 Buckingham Street Surry Hills NSW 2010

We will advise you of the complaint handling process and the timeframe for resolving your complaint. Please refer to our dispute resolution policy.

In the unlikely event that we can’t resolve your complaint at your first point of contact with us, we will refer your complaint to the Individual Finance Manager for further investigation.

If you are not satisfied with the outcome, or if we do not respond speedily, you may refer the complaint to our external dispute resolution centre.

External Complaint Resolution – if we cannot resolve your complaint internally

If we haven’t been able to deal with your complaint to your satisfaction, you can go to the Financial Ombudsman Service, or in such cases we will generally refer your complaint to the Financial Ombudsman Service on your behalf. Their contact details are:

Financial Ombudsman Services Limited

P 1300 780 808
F 03 9613 6399

Website: www.fos.org.au

GPO BOX 3
Melbourne Qld 3001

Send us a Message

Reach out to us & we will respond as soon as we can.

Estimate the cost of your loan here:

2500