Licensee Details - Contact Details
Earnest Services Pty Ltd T/As Earnest Financial
ABN: 49 695 022 943
ACN: 695 022 943
Suite 304 7-9 Gibbons Street, Redfern 2016
Phone: 0403 458 876
Authorised Credit Representative #576336 of Australian Credit Licence #414426 (AFAS Group Pty Ltd, ABN 12 134 138 686)
Credit Guide Overview
The National Consumer Credit Protection Act 2009 states we must provide consumers with a Credit Guide and Quote as soon as practical after it becomes clear we are likely to provide credit assistance.
The Credit Guide and Quote contains information on:
The service we provide
Details of our obligations under the NCCP Act 2009
Maximum fees and charges payable to us
A guide to commissions we may receive
Fees payable to third-party referrers
Services We Provide
Our Credit Assistance services in sourcing and arranging a suitable loan include:
Obtaining further information from employers, accountants, and credit reporting agencies
Investigating suitable loans and providing recommendations
Assessing, verifying and documenting information
Assisting with application completion and submission
Liaising with credit providers during approval
Assisting with finalisation of the loan
Our “Licensee” Obligations
To ensure credit is not unsuitable, we must:
Make reasonable enquiries about your requirements and objectives
Make reasonable enquiries about your financial situation
Take reasonable steps to verify information
If evidence suggests:
You cannot afford repayments
The credit causes hardship
The credit does not meet your objectives
→ The credit will be deemed unsuitable
We will complete a preliminary assessment and retain it for 7 years. You may request a copy within that period.
Consent and Acknowledgement
By signing, submitting, emailing acceptance, e-signing, or providing documents, you:
Accept the quote for credit assistance
Confirm appointment of the credit licensee
Authorise actions outlined in this document
Acknowledge receipt of the Credit Guide
Our Quote for Credit Assistance
We may charge:
Up to $2,500 (incl. GST)
OR up to 10% of NAF
This is:
Only payable if the loan proceeds
A one-off fee at settlement
Paid directly or via loan disbursement
Our Consumer Credit Providers
We source credit from multiple lenders. Below are key lenders and indicative fees:
Some lenders may charge a risk fee (1%–10%).
Complaints
Internal Dispute Resolution
Email: vai.ganesh@earnestfinancial.com.au
We aim to resolve issues quickly and fairly.
External Dispute Resolution
If unresolved after 45 days:
Australian Financial Complaints Authority (AFCA)
Phone: 1800 931 678
Website: https://www.afca.org.au
Membership: 116783
Privacy Officer
Earnest Financial
Suite 304 7-9 Gibbons Street, Redfern 2016
Overview - Privacy
Earnest Services Pty Ltd (‘we’, ‘us’, ‘our’) collects information about you for agreed purposes under this Consent.
By agreeing, you consent to collection, use and exchange of personal and credit information under Australian privacy laws.
Information We Collect
We collect information to source:
Consumer credit
Commercial credit
Other financial services
Guarantor support
If information is not provided, we may be unable to process your application.
Use of Your Information
We may:
Disclose identification info to CRBs
Use CRB reports for assessment
Share data with insurers
Submit applications to credit providers
Information is only used for stated purposes unless required by law.
Credit Providers
We may act as an intermediary for lenders and:
Submit your application to multiple providers
Providers may exchange data with CRBs
Credit provider websites include:
Privacy policies
Credit reporting details
Your rights
Your Rights
You may request:
Access to your information
Corrections to your data
Copies of this policy
CRB marketing restrictions
CRB credit file access
Contact:
Phone: 0403 458 876
Disclosure and Consent
By agreeing, you authorise us to:
Use your information to:
Assess credit applications
Source finance
Source insurance
Disclose information to:
Credit providers
Insurers
Third-party service providers
Guarantors
Associated businesses
Also consent to:
CRBs sharing your credit data
Credit providers assessing guarantor suitability
Credit providers sharing your data where required
Authorisation
By signing, you authorise us to obtain credit reporting information from CRBs.
This authorisation ceases when acting on behalf of a credit provider.
Schedule of Credit Providers
Includes (not limited to):
Latitude Group
MoneyMe
WISR
Volkswagen Financial Services
Westpac
ANZ
NAB
Pepper
Plenti
Liberty
Prospa
Judo Bank
Metro Finance
Firstmac
Angle Finance
Alex Bank
Shift
Bizcap
Moneytech
ScotPac
And others listed in full schedule
