Gusto Money Car Loans
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Privacy Policy

Gusto Money

Gusto Money is an Australian credit provider focused on helping you find a vehicle loan that’s right for you. We provide credit services for personal, domestic, and household use. This guide outlines our process and your rights under Australian law, including our obligations under the National Consumer Credit Protection Act 2009.

Our Australian Credit Licence

Gusto Money Pty Ltd holds an Australian Credit Licence with the number 567982. Our company operates as a credit provider, offering finance directly to you. We do not act as a credit assistance provider, broker, or agent.

How We Work

When you apply for a loan with us, we will:

  1. Understand Your Needs: We’ll ask about your goals for the loan, your current financial situation, and what you’re looking for in a vehicle.
  2. Verify Your Information: We’ll take reasonable steps to verify the details you provide, including your income and expenses. This may involve reviewing your bank statements and other relevant documents to get an accurate picture.
  3. Assess Suitability: Based on the information we’ve gathered, we’ll assess whether the loan is suitable for your specific circumstances. A loan is considered “unsuitable” if it’s likely you would be unable to make the repayments without experiencing significant financial hardship.

This process ensures we comply with our responsible lending obligations to protect you from taking on a loan that could cause financial stress.

Fees and Charges

We do not charge an application fee.

If your loan is approved and you decide to proceed, you will receive a contract that details all fees and charges associated with the loan, including the annual interest rate, any applicable establishment fees, and any fees that may apply for late payments.

The document will also include a comparison rate to help you understand the true cost of the loan and compare it with other finance products available in the market.

Your Right to a Written Assessment

You can request a free written copy of our loan suitability assessment at any time before or after your loan contract is signed. We’ll provide this document to you within a set timeframe as required by law.

Financial Hardship Assistance

If your financial situation changes and you have trouble making your repayments, please contact us as soon as possible. We are here to help and can explore options with you, such as adjusting your repayment schedule.

Disputes and Complaints

Your satisfaction is our priority. If you have a complaint, please follow our internal dispute resolution process:

  1. Contact us by phone at [Insert Phone Number] or email at feedback@gustomoney.com.au. You can also write to us at 1130 Kingsford Smith Dr, Eagle Farm QLD 4009.
  2. Provide us with the details of your complaint.
  3. We will acknowledge your complaint and work to resolve it promptly and fairly.

If you are not satisfied with our response or we cannot resolve your complaint, you can contact the Australian Financial Complaints Authority (AFCA) for free and independent assistance.

Australian Financial Complaints Authority