This guide explains who we are, how we're paid, and what you can expect when working with us on your finance application.
This Credit Guide outlines who we are, the credit services we provide, how we're paid, and what to do if you have a complaint.
This Credit Guide is provided by Exodus Finance Pty Ltd (ABN 99 681 802 326), an Authorised Credit Representative (ACR #565041) of Fintelligence Pty Ltd, Australian Credit Licence #511803. Our address is 3/25 Alex Fisher Drive, Burleigh Heads QLD 4220 (by appointment only). You can reach us on 1300 278 929 or via approvals@exodusfinance.com.au.
We help you compare and select a loan or lease suited to your needs from a panel of over 60 Australian lenders, including names such as Liberty, Pepper Money, NAB, NOW Finance, Plenti, MoneyMe and others, depending on your circumstances and the asset being financed.
We're obliged to ensure any loan or lease we recommend or help you apply for is not unsuitable for your needs — meaning it should genuinely meet your objectives, and you should reasonably be able to make the repayments without substantial hardship. To assess this properly, we'll need accurate information from you about your income, expenses, employment and existing commitments. It's important that everything you provide is complete and correct.
You may request a copy of our preliminary credit assessment at any time within 7 years of us providing credit assistance. We'll provide this within 7 business days of your request, or within 21 business days if your request is made more than 2 years after our original Credit Guide and Quote.
We may charge an origination fee for our services, payable only if your loan proceeds to settlement. This is a one-off fee payable at settlement, either directly or included in your loan disbursement (which would increase your loan amount accordingly).
The maximum fee we may charge is up to $2,500 (incl. GST).
If your application proceeds to settlement, you may also need to pay fees to third parties — such as a credit provider's application fee, security registration fee, or inspection fee. Where applicable, these will be detailed in your Credit Proposal before you apply. You're welcome to ask us how any of these fees are calculated.
Credit providers may pay us a commission when a loan or lease settles. The amount varies by lender and loan size, is not paid directly by you, and will be disclosed in your Credit Proposal before you apply. You can ask us for an estimate of any commission and how it's calculated.
If you were referred to us by a third party — such as a dealership, real estate agent or accountant — we may pay that referrer a commission for introducing your business. This is not paid directly by you, and you can ask us for an estimate of any such payment.
We hope you're happy with our service. If you're not, please contact our Complaints Officer on 1300 278 929 or via approvals@exodusfinance.com.au with as much detail as possible, so we can address it promptly. See our full Complaints Policy for more detail on our process and timeframes.
By proceeding with our services, you acknowledge and agree that:
Exodus Finance Pty Ltd | ABN 99 681 802 326
Authorised Credit Representative (ACR #565041) of Fintelligence Pty Ltd, Australian Credit Licence #511803
Phone: 1300 278 929
Email: approvals@exodusfinance.com.au
Address: 3/25 Alex Fisher Drive, Burleigh Heads QLD 4220 (By Appointment Only)