Credit Guide

Key Information

This Credit Guide is provided by Dove Finance Pty Ltd (ABN 17 664 490 297), an Authorised Credit Representative (Credit Representative Number 547941) of Fintelligence Pty Ltd (ABN 80 625 017 174), holder of Australian Credit Licence 511803.

Business address:
Suite 5, Level 1, 142 Bundall Road, Bundall QLD 4217

Contact details:
Phone: (02) 7252 5182
Email: admin@dovefinance.com.au

Our Credit Services

We provide credit assistance by helping you to:

• Select a loan or lease product that meets your requirements and objectives; and
• Select a loan or lease product that meets your requirements and objectives; and

The credit providers we most commonly use include (but are not limited to):

• Pepper Asset Finance Pty Ltd
• Latitude Financial Services
• Secure Funding Pty Ltd (Liberty)
• Now Finance
• The Asset Financier (Allied Credit)
• Angle Finance

We may also use other credit providers where appropriate.

Information We Will Require From You

We are required by law to ensure that any loan or lease we suggest or assist you to apply for is not unsuitable for you. This includes situations where:

• The credit product does not meet your requirements or objectives;
• You are unable to meet the repayments; or
• You could only meet repayments with substantial hardship.

To meet these obligations, we will need to collect information about your financial situation, requirements, and objectives. It is important that all information you provide is accurate and complete.

Copies of Our Credit Assessment

You may request a copy of your preliminary credit assessment at any time within seven (7) years of us providing credit assistance.

• If the request is made within two (2) years of the date of the Credit Quote, we will provide the assessment within 7 business days.
• If the request is made more than two (2) years after the Credit Quote, we may take up to 21 business days to provide it.

Fees Payable by You to Us

We may charge a fee for providing credit assistance. Any fees payable by you will be:

• Disclosed in a Credit Quote; and
• Provided to you before you apply for finance.

You may ask us how these fees are calculated.

Fees Payable by You to Third Parties

You may be required to pay fees to third parties associated with your loan or lease application. These may include:

• Credit provider application fees
• Valuation fees
• Other lender or service provider fees

All such fees will be disclosed to you in the Credit Proposal document before you apply for finance.

Commissions Received by Us

We may receive commissions from credit providers when a loan or lease settles. The amount of commission varies depending on:

• The credit provider; and
• The amount of credit provided.

These commissions are not paid directly by you and will be disclosed in the Credit Proposal document provided before you apply for finance. You may ask us for an estimate of these commissions and how they are calculated.

Commissions Payable by Us

If you are referred to us by a third party, we may pay that party a commission for introducing your business to us. Examples include:

• Real estate agents
• Motor vehicle, boat, or equipment dealers
• Accountants
• Business owners or individuals

These commissions are not payable by you. You may ask us for an estimate of these payments and how they are calculated.

Complaints

We are committed to resolving complaints promptly and fairly.

If you have a complaint, please contact our Complaints Officer:

Phone: 0489943102
Email: jackson@dovefinance.com.au
Mail: Registered mail to the address listed above under Key Information

Please provide as much detail as possible so we can investigate and respond appropriately.
If you are not satisfied with the outcome of our internal dispute resolution process, you may refer your complaint to the Australian Financial Complaints Authority (AFCA):

Phone: 1800 931 678
Mail: GPO Box 3, Melbourne VIC 3001

AFCA is an independent, external dispute resolution scheme and their service is provided at no cost to you.

Questions

If you have any questions about this Credit Guide or our credit services, please do not hesitate to contact us.