moneyplus
Moneyplus
  • $100 - $6000
  • No upfront fees

  • Approval and cash within 30 mins
  • No assets required


Apply Now 2 mins application     Simple 3 step process Apply Now
Need Cash? Apply online 24 hours a day, anywhere in Australia
Get the amount you need without the fuss.
  • $100 - $6000
  • No assets required
  • No upfront fees
  • Approval and cash within 30 minutes
Loans for any purpose
  • Cash Advance,
  • Personal Loans,
  • Emergency Loans,
  • Small Cash Loans,
  • Bond Loans,
  • Cash Advance Loans

more

Apply Now

2 mins application

Simple 3 step process

Apply Now

lockGeotrust     

Why thousands choose and trust our services.

Money plus has been successfully trading for over 10yrs with 10 branches over western Sydney. We understand your problems and take the time out to listen and help you. We endeavour to provide the best service at all times... and fast

more

  • "My name is Donna, I have been coming to Money Plus Campbelltown for 3 to 4 years now applying for financial help. The company and its employees have been very helpful to me."
  • "My purpose for this letter is to say how much I appreciate being a customer of Money Plus for ten years. I have always found every body so friendly and helpful and nothing was ever a problem. I have borrowed money for a number of reasons over the years and never a problem. All the staff are a credit to your organisation. I would never hesitate to recommend Money Plus to anyone. Thank you all so much."
  • "The staff of Money Plus I have been dealing with have been very helpful with everything and made me fell welcome and service was quick and pain free. Just like to say they are perfect in dealing with people. I will be coming back and tell my friends how good a service they provide."
  • "Applying for a loan can be very difficult, but with Money Plus its very simple and easy."
  • "Thank you for helping me and my family by giving me instant cash loans, everytime I need it urgently. Money Plus had help me with my everyday living for example bills, car rego, family situation and etc. I am happy with Money Plus service."
  • "I have been loaning with Money Plus since 2005. They have assisted me regularly with my finances to lend me money to pay my bills so I don’t default. If they weren’t here I wouldn’t know what to do as I don’t have any family here. I sometimes find it hard to keep up with the bills with all the costs going up. At least I know I can depend on Money plus to help me always."
  • "I have been a customer of Money Plus for more then 5 years now. They have helped me when I had to go overseas, help my 90 year old mother and my siblings in Mauritius. They have also assisted me financially for birthdays, wedding, purchasing glasses and fixing my dentures."
  • "My daughter had to go to Brisbane for her studies and we didn’t have any savings. Money Plus helped us in building a brighter future for our daughter by giving us the money we needed. I know whenever I have a problem Money plus is always there to help me out. I’ll always come to them for emergencies."
  • "I have been a customer of Money Plus since 2005. I have had a lot of financial help from them when I had extra bills. They process the loan quickly and without any fuss. If it wasn’t for their services my bills would be overdue."
  • "Money Plus has always helped me a lot not only in times of need but also for making the most special occasion of my life come true “My Wedding Day”. Although we had saved for it we still needed that extra back up. That’s why I say Money Plus helped us a lot with there quick on the spot cash and great service in making my wedding day possible and my wife happy. And if she is happy I am happy."
  • "As a full time Uni Student, I am unable to work extra shifts to cover those large bills. Without Money Plus I would have to rely on Credit Cards which I don’t want to accumulate. Money Plus is a Financial Life Saver during periods of Financial Needs."
  • "I have always come to Money Plus for my basic everyday needs like purchasing furniture, white goods for the house or buying birthday presents etc. They are always very nice and quick. I’ll always come to them in future and will not mind referring my friends and family to Money Plus."
  • "I would like to say that Money Plus is so convenient and fast when things happen out of know where e.g. I had a car accident, and required funds to fix it as soon as possible as I need my car for everyday use. Money Plus came up with funds within 30 minutes. This was fantastic knowing that I didn’t have to wait for days. I would recommend Money Plus to everyone."
  • "Being a Money Plus regular customer I find it as a very convenient service. You don’t have to go through all long documentation every time. It’s easy to get short term money. And you can repay back in small and convenient repayments. Everything with them is so easy."
  • "Money Plus has been very helpful whenever I needed money. They were able to sort my loan out within half an hour and I was able to pay my bills before the dead line. I work for a bank and even they could not help me out that quick. I am and will always be grateful to Money Plus. I’ll be coming again and again in future."
  • "I work at BE Campbell. I have been a customer with Money Plus since 2006. I have always come to them for things like car repair, Insurance, Christmas Holidays, spray painting my car etc. Money Plus staff is very good and friendly. The service is very fast. I’ll continue to borrow from them and will refer Money plus to people around me."
  • "Money plus always helps me out whenever I am in a problem. They never give me any hard time and I always get enough funds within no time. They help me in paying all my bills on time and I can get that extra money for shopping."
  • "Money Plus services allow me access to additional funds; however it keeps me disciplined with my repayments instead of using a credit card where I don’t have to pay it back straight away and the interest spirals out of control. The staff remembers and greets you by your name always. Hence why I will continue to use your service."
  • "I have been Money Plus customer for a long time now and every time I enter the office I am greeted with a smile from the staff. With a basic application form, the help and advice from the staff is very helpful. Thanks Money Plus"
  • "I usually loan for buying electrical items. The benefit is that I can buy the items straight away and if I happen to get a big bill I can access the money asap. Because I know Money Plus will always help me."
Loans for any purpose
  • Cash Advance,
  • Personal Loans,
  • Emergency Loans,
  • Small Cash Loans,
  • Bond Loans,
  • Cash Advance Loans

more

Our Ad






Warning

WARNING - Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:

  • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor

  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan

  • If you are on government benefits, ask if you can receive an advance from Centrelink: Phone: 13 17 94

The Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

Paymay pty ltd ABN 64 137 270 369

Australian Credit Licence Number:391 844

Warning

WARNING - Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:

  • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor

  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan

  • If you are on government benefits, ask if you can receive an advance from Centrelink: Phone: 13 17 94

The Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

Privacy

Paymay Pty Ltd

 

1.    INTRODUCTION

 

This Policy applies to Paymay Pty Ltd ACN 137 270 369 (referred to as ‘Paymay’, ‘we’, ‘our’, ‘us’) and covers all of its operations and functions. 

 

All Third Parties (including customers, supplies, sub-contractors, or agents) that have access to or use personal information collected and held by Paymay must comply with this Privacy Policy. Paymay makes this Policy available free of charge and can be downloaded from www.moneyplus.com.au

This Policy outlines Paymay’s obligations to manage and protect personal information.  Paymay is bound by the Australian Privacy Principles ('APPs'), the Credit Reporting Privacy Code (‘the Code’) and the Privacy Act 1988 ('Privacy Act'). This Policy also outlines Paymay’s practices, procedures and systems that ensure compliance with the Privacy Act, APPs and the Code.

In this Privacy Policy:

  • ‘Credit information’ is personal information (other than sensitive information) that relates to an individual’s credit history or credit worthiness, and is further defined in the Privacy Act. Credit information includes information that we have obtained from Third Parties, including individuals, other credit providers and credit reporting bodies (‘CRBs’);
  • ‘Disclosure’ of information means providing information to persons outside Paymay;
  • ‘Individual’ means all persons whose personal information we collect, use or disclose.
  • ‘Personal information’ means information or an opinion relating to an individual, which can be used to identify that individual;
  • ‘Privacy Officer’ means the contact person within Paymay for questions regarding Paymay’s Privacy Policy. Contact details are Rose Gundogan phone (02) 9676 1974 or e-mail headoffice@moneyplus.com.au;
  • ‘Sensitive information’ is personal information that includes information relating to a person's racial or ethnic origin, political opinions, religion, trade union or other professional or trade association membership, sexual preferences and criminal record, and also includes health information;
  • ‘Third Parties’ mean customers, suppliers, sub-contractors, agents or other people having a commercial relationship with Paymay; and
  • ‘Use’ of information means use of information within Paymay.

2.    WHAT KIND OF PERSONAL INFORMATION DO WE COLLECT AND HOLD?

We may collect and hold the following kinds of personal information about individuals:

  • name;
  • address;
  • phone numbers;
  • email addresses;
  • occupation and pay slips;
  • bank account details and account statements;
  • drivers’ licence details;
  • marital status and dependents;
  • financial and credit information, including:
    • details of assets, liabilities, income, expenses;
    • information about an individual’s consumer credit liabilities, such as the name of an entity that has provided the individual with credit, the date of the credit was provided and the maximum amount of credit made available;
    • information about an individual’s repayment history, such as whether the individual was late in making a monthly repayment and when repayments were due;
    • the type and amount of credit sought by an individual in an application;
    • whether the individual is 60 days or more overdue in making a repayment of $150 or more;
    • whether the individual has repaid overdue payments;
    • information about new credit arrangements the individual has entered into as a result of defaulting in repayments;
    • information about court judgements against the individual in relation to credit that has been provided to them;
    • publicly available information that relates to the individual’s credit worthiness;
    • information recorded in the National Personal Insolvency Index about the individual;
    • our opinion as to whether the individual has committed a serious credit infringement in relation to consumer credit provided by us;
    • any other personal information that may impact our assessment of the individual’s credit worthiness; and
  • any other information that is relevant to the services that we provide.

3.    HOW WE COLLECT PERSONAL INFORMATION

We generally collect personal information directly from the individual. For example, personal information will be collected when an individual applies for credit or opens an account with us, visits our website, or sends us correspondence.  Sometimes we may need to collect personal information about an individual from a third party, such as other credit providers or a credit reporting body (“CRB”). When we are provided with personal information from a third party, we will take reasonable steps to ensure that the individual is made aware of the matters set out in this Privacy Policy.

Paymay will not collect sensitive information unless the individual has consented or an exemption under the APPs applies. These exceptions include if the collection is required or authorised by law or necessary to take appropriate action in relation to suspected unlawful activity or serious misconduct.

If the personal information we request is not provided, we may not be able to process an individual’s application for credit, or meet an individual’s needs appropriately.

Paymay does not give individuals the option of dealing with them anonymously, or under a pseudonym. This is because it is impractical, and in some circumstances illegal, for Paymay to deal with individuals who are not identified.


4.    UNSOLICITED PERSONAL INFORMATION

Paymay may receive unsolicited personal information about individuals, Paymay’s employees are required to notify the Privacy Officer of all unsolicited personal information received by them. We destroy or de-identify all unsolicited personal information, unless the personal information is relevant to Paymay’s purposes for collecting personal information.


5.    ABOUT WHOM DO WE COLLECT PERSONAL INFORMATION?

We may collect personal information about the following individuals:

  • customers;
  • potential customers;
  • service providers or suppliers;
  • prospective employees, employees and contractors; and
  • other Third Parties with whom we come into contact.

6.    WEBSITE COLLECTION

We collect personal information from our website (www.moneyplus.com.au) when we receive emails and online account application forms.  We may also use third parties to analyse traffic at that web site, which may involve the use of cookies. Information collected through such analysis is anonymous.  Our website privacy policy can be accessed on our website.


7.    WHY DOES PAYMAY COLLECT AND HOLD PERSONAL INFORMATION?

We may collect and hold information about individuals for the following purposes:

  • to assist Paymay in providing a product or service to an individual;
  • to verify your identity, and your financial situation;
  • to assess whether our products or services are suitable for you;
  • to assess any applications by an individual for credit;
  • managing credit provided to an individual, or collecting overdue payments;
  • to provide individuals with information about a product or service and also to invite individuals to marketing events;
  • to protect our business and other customers from fraudulent or unlawful activity;
  • to conduct our business and perform other management and administration tasks;
  • to consider any concerns or complaints individuals may have;
  • manage any legal actions involving Paymay;
  • to comply with relevant laws, regulations and other legal obligations; and
  • to help us improve the products and services offered to an individual, and to enhance our overall business.

8.    HOW MIGHT WE USE AND DISCLOSE PERSONAL INFORMATION?

Paymay may use and disclose personal information for the primary purposes for which it is collected, for reasonably expected secondary purposes which are related to the primary purpose and in other circumstances authorised by the Privacy Act.  

We use and disclose personal information, excluding credit information, for the purposes outlined in section 7 above. Sensitive information will be used and disclosed only for the purpose for which it was provided or a directly related secondary purpose, unless the individual agrees otherwise, or where certain other limited circumstances apply (e.g., where required by law).

We engage other people to perform services for us, which may involve that person handling personal information we hold.  In these situations, we prohibit that person from using personal information about the individual except for the specific purpose for which we supply it. We prohibit that person from using your information for the purposes of direct marketing their products or services.

In relation to sensitive information held by us, wherever possible, Paymay will attempt to de-identify the information.  We also undertake to delete all personal information about an individual when it is no longer needed or relevant. 


9.    TO WHOM MIGHT WE DISCLOSE PERSONAL INFORMATION?

We may disclose personal information, excluding credit information, to:

  • a related entity of Paymay;
  • an agent, contractor or service provider  we engage to carry out our functions and activities, such as our lawyers, accountants, debt collectors or other advisors;
  • organisations involved in a transfer or sale of all or part of our assets or business;
  • organisations involved in managing our payments, payment merchants and other financial institutions such as banks;
  • regulatory bodies, government agencies, law enforcement bodies and courts;
  • an individual’s referee(s), employer, co-account holder or Authorised Signatory; and
  • anyone else to whom the individual authorises us to disclose it.

 

also If we collect personal information from these organisations and individuals we will deal with that information in accordance with this Policy.


10.  HOW MIGHT WE USE AND DISCLOSE CREDIT INFORMATION?

In relation to credit information held by us, we will only use and disclose credit information for the following purposes:

  • assessing an application by an individual for credit;
  • collecting payments that are overdue in relation to credit provided by us;
  • dealing with a serious credit infringement we believe an individual has committed;
  • an external dispute resolution scheme of which we are a member;
  • the disclosure is required or authorised by law;
  • assisting the individual to avoid defaulting on his or her obligations; or
  • internal management purposes that are directly related to the provision or management of credit to an individual.

We will only disclose credit information to the following recipients:

  • a related body corporate;
  • a person who will be processing an individual’s application for credit;
  • a person who manages credit provided by us for use in managing that credit;
  • another credit provider if we believe an individual has committed a serious credit infringement, or the individual has consented to the disclosure;
  • to a person considering whether to act as a guarantor or offer property as security and the individual have expressly consented to the disclosure;
  • a debt collector;
  • a mortgage insurer; or
  • a CRB.

If we intend to provide default information about an individual to a CRB, we will give the individual at least 14 days written notice. If we disclose default information to a CRB, and the individual subsequently repays the amount owed, we will tell the CRB the individual has repaid the amount owing. We will not disclose credit repayment history information to the CRB which is more than 2 years old or which predates December 2012.


11.  MANAGEMENT OF PERSONAL INFORMATION

The APPs require us to take all reasonable steps to protect the security of personal information, including credit information.  Paymay employees must respect the confidentiality of the personal information we collect.

Paymay takes reasonable steps to protect personal information by storing it in a secure environment.We may store your personal information in paper and electronic form. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.  In relation to our customer database, we apply the following guidelines:

  • data ownership is clearly defined within Paymay;
  • passwords are routinely checked;
  • we change employees’ access capabilities when they are assigned to a new position;
  • employees have restricted access to certain sections of the system;
  • the system automatically logs and reviews all unauthorised access attempts;
  • the system automatically limits the amount of personal information appearing on any one screen;
  • unauthorised employees are barred from updating and editing personal information;
  • all personal computers which contain personal information are secured, physically and electronically;
  • data is encrypted during transmission over the network;
  • print reporting of data containing personal information is limited;
  • Paymay has created procedures for the disposal of personal information; and
  • personal information is overwritten to the extent possible when the information is no longer required.

Where we no longer require personal information we will take reasonable steps to destroy it.


12.  DIRECT MARKETING

Paymay does not use personal information for the purposes of direct marketing, unless:

  • the personal information does not include sensitive information; and
  • the individual would reasonably expect us to use or disclose the information for the purpose of direct marketing; and
  • we provide a simple way of opting out of direct marketing; and
  • the individual has not requested to opt out of receiving direct marketing from us.

 

If the individual would not reasonably expect us to use or disclose the information for the purpose of direct marketing, we may only use or disclose that information for direct marketing if the individual has consented to the use or disclosure of the information for direct marketing or it is impracticable to obtain that consent.

 

In relation to sensitive information, Paymay may only use or disclose sensitive information about an individual for the purpose of direct marketing if the individual has consented to the use or disclosure of the information for that purpose. We will not use or disclose credit information for the purposes of direct marketing.

 

 

Individuals have the right to request to opt out of direct marketing and we must give effect to the request within a reasonable period of time.

 

Individuals may also request that Paymay provides them with the source of their information. If such a request is made, Paymay must notify the individual of the source of the information free of charge within a reasonable period of time.


13.  IDENTIFIERS

We will not use identifiers assigned by the Government, such as a tax file number, Medicare number or provider number, for our own file recording purposes, unless one of the exemptions in the Privacy Act applies.  Paymay endeavours to avoid data-matching.


14.  HOW DO WE KEEP PERSONAL INFORMATION ACCURATE AND UP-TO-DATE?

Paymay takes reasonable steps to ensure that the personal information, including credit information, it collects, uses and discloses is relevant, accurate, complete and up-to-date.

We encourage individuals to contact us in order to update any personal information we hold about them.   If we correct information that has previously been disclosed to another entity, we will notify the other entity within a reasonable period of the correction. Where we are satisfied information is inaccurate, we will take reasonable steps to correct the information within 30 days, unless the individual agrees otherwise. We do not charge individuals for correcting the information.


15.  YOU HAVE THE ABILITY TO GAIN ACCESS TO YOUR PERSONAL INFORMATION

Subject to the exceptions set out in the Privacy Act, individuals may gain access to the personal information, including credit information, which Paymay holds about them by contacting the Paymay Privacy Officer. We will provide access within 30 days of the individual’s request.   If we refuse to provide access, we will provide reasons for the refusal.

The individual will be able to look at his or her personal information at the offices of Paymay. We will require identity verification and specification of what information is required.  An administrative fee for search and photocopying costs may be charged for providing access.


16.  UPDATES TO THIS POLICY

This Policy will be reviewed from time to time to take account of new laws and technology, changes to our operations and the business environment.


17.  RESPONSIBILITIES

It is the responsibility of management to inform employees and other relevant parties that the Privacy Policy is maintained and enforced.  Management must ensure that they periodically advise Paymay’s employees and other relevant Third Parties of any changes to the Privacy Policy.

It is the responsibility of all employees and other relevant parties to ensure that they understand and comply with this Privacy Policy.

Ignorance of the existence of the Privacy Policy will not be an acceptable excuse for non-compliance.


18.  PRIVACY TRAINING

All new employees are provided with timely and appropriate access to Paymay’s Privacy Policy.  All employees are provided with opportunities to attend privacy training, which covers Paymay’s obligations under the Act, the APPs and the Code. Employees must ensure that they understand the Privacy related issues that could adversely affect Paymay and its customers if not properly adhered to.


19.  NON-COMPLIANCE AND DISCIPLINARY ACTIONS

Privacy breach must be immediately reported to management by employees and relevant Third Parties. Employees or other relevant Third Parties that do not comply with Paymay’s Privacy Policy may be subject to disciplinary action.


20.  COMPLAINTS HANDLING

Paymay has an effective complaints handling process in place to manage privacy risks and issues.

The incidents/complaints handling process involves:

  • identifying (and addressing) any systemic  compliance problems; and
  • handling individual complaints about privacy quickly and effectively, in a way that increases consumer confidence in our privacy procedures.

Individuals can make a complaint to Paymay about the handling of their personal information, including credit information, by lodging a complaint with the Privacy Officer.

If you are unsatisfied with our response to your complaint, you can contact the Credit Ombudsman Service Limited (‘COSL’) for an independent review. You can make a complaint by visiting COSL’s website www.cosl.com.au.


21.  CONTRACTUAL ARRANGEMENTS WITH THIRD PARTIES

Paymay must ensure that all contractual arrangements with third parties adequately address privacy issues. Paymay will make third parties aware of this Privacy Policy.

Third parties will be required to implement policies to ensure they comply with the Privacy Act, including:

  • regulating the collection, use and disclosure of personal and sensitive information;
  • de-identifying personal information wherever possible;
  • ensuring that personal information is kept securely, with access to it only by authorised employees or agents of the third parties; and
  • ensuring that the personal information is only disclosed to organisations which are approved by Paymay.

22.  PRIVACY AUDITS

Paymay will conduct periodic privacy audits in order to ensure that it is continuing to comply with its obligations under the APPs.


23.  INQUIRIES  AND COMPLAINTS

If you have any questions about our privacy procedures, or if you wish to make a complaint about how we have dealt with your personal information (including credit information) you may lodge a complaint with us in any of the following ways:

  • by telephoning – (02) 9676 1974
  • by writing to – Paymay’s Privacy Officer, PO Box 42, Blacktown NSW 2148
  • by emailing – headoffice@moneyplus.com.au

 

24.  WHAT IF I AM NOT SATISFIED WITH THE RESPONSE?

 

If you are not satisfied with the result of your complaint to Paymay you can also refer your complaint to the Office of the Australian Information Commissioner.

 

You can contact the Office of the Australian Information Commissioner:

  • by telephoning - 1300 363 992
  • by writing to - Director of Complaints, Office of the Australian Information Commissioner, GPO Box 5218, SYDNEY NSW 2001
  • by emailing - enquiries@oaic.gov.au

 

25.  CHANGE IN OUR PRIVACY POLICY

We are constantly reviewing all of our policies and attempt to keep up to date with market expectations. Technology is constantly changing, as is the law and market place practices.

As a consequence we may change this privacy policy from time to time or as the need arises. Paymay will take reasonable steps to inform you of changes to the policy.

You may request this privacy policy in an alternative form.

This Privacy Policy came into existence on 12 March 2014. 

Disclaimer

The information contained in this website is for general information purposes only. This information is provided by Moneyplus and whilst we endeavour to keep the information up-to-date and correct, Moneyplus gives no warranty and accepts no responsibility for the accuracy or the completeness of the material. Any reliance the user place on such information is therefore strictly at their own risk.

Moneyplus reserves the right at any time to make changes, as it deems appropriate. Links to other websites are inserted for convenience and inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.

Credit Guides


Abaz Pty. Ltd.– Credit Guide



This document provides information about the loans provided by us. We are licensed to provide loans and leases under the National Consumer Credit Protection Act 2009 (NCCP Act). The NCCP Act regulates the activity of lending, leasing, and finance broking.

Key information

Our Full Name Abaz Pty. Ltd. ACN 118 434 021
Address Level 1 15 Campbell Street, Blacktown NSW 2148
Phone and e-mail Phone: (02) 9621 8333
E-mail: abaz2@bigpond.com
Australian Credit
Licence Number
391104
Internal Complaints
Officer contact details
Phone: (02) 9621 8333
E-mail: abaz2@bigpond.com
Address: PO Box 231, Cottesloe WA 6911
External Dispute
Resolution Scheme
contact details
COSL (Credit Ombudsman Services Limited) phone 1800 138 422,
www.cosl.com.au


We will need information from you
Under the NCCP Act, we are obliged to ensure that any loan, lease, or principal increase to a loan we
arrange for you is not unsuitable. To decide this, we may need to ask you some questions in order to
assess whether the loan or lease is not unsuitable. The law requires us to:

  • make reasonable inquiries about your requirements and objectives;
  • make reasonable inquiries about your financial situation;
  • take reasonable steps to verify that financial situation.

Credit will be unsuitable if at the time of the assessment, it is likely that at the time the loan is made:

  • you could not pay or could only pay with substantial hardship;
  • the credit will not meet your requirements and objectives.

For example, if you can only repay by selling your principal place of residence, it is presumed that the loan will cause substantial hardship unless the contrary is proved. For this reason we must ask you to provide a significant amount of information. It is therefore very important that the information you
provide to us is accurate.


We must provide you with a copy of our credit assessment of your application if you ask within seven years of the date of the loan contract, lease contract or principal increase. We are only required to give you a copy of the credit assessment if you enter into a loan or lease contract or the credit limit is
increased.


If we arrange a loan for you to purchase or refinance real estate, remember you must make your own enquiries about the value of the real estate and its potential for future growth. Although we may obtain a valuation, that is for our own purpose and you should not rely on it.


Our internal dispute resolution scheme
We hope you are delighted with our services, but if you have any complaints you should notify us by
contacting our Complaints Officer by:

  • telephoning (08) 9385 4090
  • e-mailing abaz2@bigpond.com
  • writing to PO Box 231, Cottesloe WA 6911

or by speaking to any representative of our business who will refer you to the Complaints Officer, details of whom are shown above.
You should explain the details of your complaint as clearly as you can. You may do this verbally or in writing. When we receive a complaint, we will attempt to resolve it promptly. We hope that in this way we will stop any unnecessary and inappropriate escalation of minor complaints.


Our external dispute resolution scheme
If we do not reach agreement on your complaint, you may refer the complaint to an ASIC Approved External Dispute Resolution (EDR) Scheme. Our external dispute resolution provider is specified above.
External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific complaints. You can obtain further details about our dispute resolution procedures and obtain details of our privacy policy on request.


Things you should know
We don’t make any promises about the value of any property you finance with us or its future prospects.
You should always rely on your own enquiries.
We don’t provide legal or financial advice. It is important you understand your legal obligations under the loan, and the financial consequences. If you have any doubts, you should obtain independent legal and financial advice before you enter any loan contract.


Questions?
If you have any questions about this credit guide or anything else about our services, just ask at any time.
We’re here to help you.


Credit Guide
Paymay Pty Ltd


This document provides information about the services we provide.
We are licensed to arrange loans and leases under the National Consumer Credit Protection Act 2009 (NCCP Act). The NCCP Act regulates the activity of lending, leasing, and finance broking.

Key information

Our full name Paymay Pty Ltd ACN 137 270 369
Address 13-15 Campbell Street, Blacktown NSW 2148
Phone and e-mail Phone: (02) 9676 1974
Email: headoffice@moneyplus.com.au
Australian Credit
Licence Number
391844
Internal Complaints
Officer contact details
Complaints Officer: Rose Gundogan
Phone: (02) 9676 1974
Email: headoffice@moneyplus.com.au
Address: PO Box 42
Blacktown NSW 2148
External Dispute
Resolution Scheme
contact details
COSL (Credit Ombudsman Services Limited) phone 1800 138 422, www.cosl.com.au


Services we provide
We distribute a range of finance marketed by Money Plus and do not offer you a choice of financiers.
However, we believe our range of products is extensive and amongst the best available.


We will need information from you
Under the NCCP Act, we are obliged to ensure that any loan or principal increase to a loan we help you to obtain or any lease we help you to enter is not unsuitable for you. To decide this, we may need to ask you some questions in order to assess whether the loan or lease is not unsuitable. The law requires us to:

  • make reasonable inquiries about your requirements and objectives;
  • make reasonable inquiries about your financial situation;
  • take reasonable steps to verify that financial situation.

Credit will be unsuitable if at the time of the assessment, it is likely that at the time the credit is provided:

  • you could not pay or could only pay with substantial hardship;
  • the credit will not meet your requirements and objectives.

For example, if you can only repay by selling your principal place of residence, it is presumed that the loan will cause substantial hardship unless the contrary is proved. For this reason we must ask you to provide a significant amount of information. It is therefore very important that the information you provide us is accurate.
It is important that the information you provide us is complete and accurate, as if we proceed on incomplete or incorrect information, you may be in breach of your legal obligations to the lender.
We must provide you with a copy of our preliminary credit assessment of your application if you ask within 7 years of when we assist you. We are only required to give you a copy of the credit assessment if we give you credit assistance.
If we arrange a loan for you to purchase or refinance real estate, remember you must make your own enquiries about the value of the real estate and its potential for future growth.
Although we may obtain a valuation, that is for our own use and you should not rely on it.


Fees payable by you
We do not charge you for our services because we are paid commission by the financier. However, you may need to pay the financier’s application fee, valuation fees, and other fees.


Commissions received by us
We may receive commissions from the lender who provides finance for you as our customers. These are not fees payable by you. You may obtain from us information about a reasonable estimate of those commissions and how the commission is worked out.

Commissions payable by us
We source referrals from a broad range of sources. For example, we may pay fees to call centre companies, real estate agents, accountants, or lawyers for referring you to us. These referral fees are generally small amounts and accord with usual business practice. These are not fees payable by you.
You may, on request, obtain a reasonable estimate of those commissions and how the commission is worked out.


Our internal dispute resolution scheme
We hope you are delighted with our services, but if you have any complaints you should notify us by contacting our Complaints Officer by:

or by speaking to any representative of our business who will refer you to the Complaints Officer.
You should explain the details of your complaint as clearly as you can. You may do this verbally or in writing.
When we receive a complaint, we will attempt to resolve it promptly. We hope that in this way we will stop any unnecessary and inappropriate escalation of minor complaints.


Our external dispute resolution scheme
If we do not reach agreement on your complaint, you may refer the complaint to an ASIC Approved External Dispute Resolution (EDR) Scheme. Our external dispute resolution provider is specified above.
External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific complaints.
You can obtain further details about our dispute resolution procedures and obtain details of our privacy policy on request.


Things you should know

We don’t provide legal or financial advice unless specified in a separate contract. It is important you understand your legal obligations under the loan, and the financial consequences. If you have any doubts, you should obtain independent legal and financial advice before you enter any loan contract.
Before you accept your loan offer, make sure you read the credit contract/loan agreement carefully to understand full details of the loan.
We represent lenders and have obligations to them, in particular not to provide any information we know is misleading or deceptive. We also have obligations under the law to report any fraud, forgery, or other illegal activities. Before using our services, it is important that you understand that we have these
obligations to lenders and under the law.


Questions?
If you have any questions about this credit guide or anything else about our services, just ask at any time.
We’re here to help you.


Our credit representatives
We have appointed a number of credit representatives to provide services.
Details of the credit representative you are dealing with are set out below.

Credit representative’s
full name
Geenghis Pty Ltd ABN 93 139 094 625
Trading as Money Plus Net Lending
Address PO Box 42 Blacktown NSW 2148
Phone and e-mail Ph: (02) 9621 4446
Email: loans@moneyplus.com.au
Credit Representative
Number
Geenghis Pty Ltd ABN 93 139 094 625
Trading as Money Plus Net Lending ACR No 396 139
External Dispute
Resolution Scheme
contact details
COSL (Credit Ombudsman Services Limited) phone 1800 138 422, www.cosl.com.au


The information specified above applies specifically to the credit representative. In addition:

  • The credit representative may receive the whole or part of the commissions and fees referred to above directly or indirectly from us as the licensee. You can obtain information from the credit representative about a reasonable estimate of those commissions and how the commission is worked out.

Electronic Consent

Abaz Pty Ltd ACN 118 434 021 and Geenghis Pty Ltd ABN 93 139 094 625

Consent to receiving information electronically

We will either make all notices and other documents available for a reasonable period of time on our website for retrieval by you, or send you notices and other documents by e-mail or sms. We may no longer send paper copies of notices and other documents.

You must facilities to enable you to readily print notices or other documents retrieved from your website or sent to you by e-mail if you desire.

You should regularly check your nominated e-mail address for notices.
By reading this document and ticking the acceptance below, you consent to the receipt of notices and other documents by email or by accessing our web site. You may withdraw your consent at anytime.