IMPORTANT INFORMATION
Credit Guide
Credit provider: Needy Loans Pty Ltd · ACN 676 095 846 · Australian Credit Licence 558796
About the provider
Needy Loans Pty Ltd is the credit provider for loans reached through Visa Money. Contact it at hello@needyloans.com.au or 03 7054 9999.
Assessment
Before offering credit, the lender makes enquiries about your financial situation, objectives and requirements, verifies relevant information and assesses suitability. It may seek bank statements, payslips, benefits information, identity or visa evidence. An unsuitable application should not proceed.
A copy of your assessment
You may ask the lender for a written copy of its suitability assessment within seven years of the contract date, without a fee. Its guide says it provides a copy before entering the contract if requested then, within seven business days for a request in the first two years, and within 21 business days for a later request within seven years.
Fees and your contract
Establishment, monthly, interest and missed payment charges depend on the product. Read Fees and Charges and the exact contract and schedule before acceptance. Ask the lender to explain any unclear amount.
Complaints and privacy
Email the lender with a complaint. If dissatisfied with the outcome or the response timeframe, you may contact the Australian Financial Complaints Authority at afca.org.au or 1800 931 678. See Complaints and Hardship Support and Privacy Policy.
These pages explain the published information in the Visa Money context. The credit provider’s application disclosures and your individual loan contract set out the terms applicable to an offer. For questions, contact hello@needyloans.com.au.
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