Full Loan Application

• Personal
• Residence
• Employment
• Current Standing
• Loan Details
• Submit

Capacity of applicant:	--Please Select-- Borrower Company Director Guarantor Joint Borrower Please select a valid item. Please select an item.
Title:	--Please Select-- Mr Mrs Miss Ms Doc Please select a valid item. Please select an item.
First name:	A value is required.
Middle name(s):
Surname:	A value is required.A value is required.
Other name (Maiden name or legally changed name):
Gender:	--Please Select-- Male Female Please select a valid item. Please select an item.
Date of Birth:	A value is required.Invalid format.
Aust. Driver's lic. no.:	A value is required. --Please Select-- QLD NSW VIC WA NT SA TAS ACT Please select an item.
Licence Expiry date:	A value is required.
Marital status:	--Please Select-- Single De facto Divorced Married Separated Widow Please select an item. Please select a valid item.
Dependents:	A value is required.
Home Number:	A value is required.Invalid format.
Mobile:	A value is required.Invalid format.A value is required.Invalid format.
Email address:	A value is required.Invalid format.
Number of Applicants	--Please Select-- 1 2 Please select a valid item. Please select an item.
Credit rating	----Please Select---- No Recorded Defaults Previous Defaults All Paid Defaults Being Paid On Arrangement Outstanding Unpaid Defaults Part 9 - Discharged Part 9 - Not Discharged - if at least 18 months into scheme Part 9 - Not Discharged - not yet 18 months into scheme Bankrupt - Discharged at least 6 months ago Bankrupt - Discharged at least 12 months ago Bankrupt - Discharged Bankrupt - Not Discharged Unknown Excellent Good Fair Impaired Please select a valid item. Please select an item.

Applicant 2
First Name:	A value is required.
Surname:	A value is required.
Date of Birth:	Invalid format. A value is required.
Aust. Drivers lic. no.:	A value is required. --Please Select-- QLD NSW VIC WA NT SA TAS ACT Please select a valid item. Please select an item.
Licence Expiry date:	A value is required.
Gender:	--Please Select-- Male Female Please select a valid item. Please select an item.
Email:	Invalid format.A value is required.
Occupation:	A value is required.
Employer's name:	A value is required.
Employment Address:	A value is required.
Work Telephone:	A value is required.Invalid format.
Credit rating:	--Please Select-- No recorded defaults(minimum of 3 months unless transferred) Previous defaults All Paid Defaults being paid on Arrangement(nothing within the last 6 months and not more than $3,000 in last 18 months Outstanding Unpaid defaults (nothing within the last 6 months and not more than $3,000 in the last 18 months) Part 9 - Discharged Part 9 - Not Discharged (if at least 18 months into scheme) Part 9 - Not Discharged (not yet 18 months into scheme) Bankrupt - Discharged (at least 6 months ago) Bankrupt - Discharged (at least 12 months ago) Bankrupt - Discharged Bankrupt - Not Discharged Excellent Good Fair Impaired Please select a valid item. Please select an item.
Employment Status:	--Please Select-- Full Time Permanent (minimum 3 months, unless transferred by same employer, company, tradesman or professional) Full Time Permanent (less than 3 months, no transfer and not a tradesman or professional) Part Time (minimum of 12 months with at least 20 hours work a week) Casual (6 months or more) Part Time or Casual (less than 6 months) Self Employed / Working Director Home Duties Pensioner (if property owner) Pensioner (non property owner) Unemployed Please select a valid item. Please select an item.
Time there:	--Please Select-- More than 3 years Less than 3 years Please select a valid item. Please select an item. Months: A value is required.
Net Weekly Income:	A value is required.
Other Income:	A value is required.
Total Other Expenses over Applicant 1:	A value is required.

Applicant 2's Previous Employment details
Occupation:	A value is required.
Employers name:	A value is required.
Employment Address:	A value is required.
Telephone:	A value is required.Invalid format.
Type of Employment:	--Please Select-- Full Time Permanent (minimum 3 months, unless transferred by same employer, company, tradesman or professional) Full Time Permanent (less than 3 months, no transfer and not a tradesman or professional) Part Time (minimum of 12 months with at least 20 hours work a week) Casual (6 months or more) Part Time or Casual (less than 6 months) Self Employed / Working Director Home Duties Pensioner (if property owner) Pensioner (non property owner) Unemployed Please select a valid item. Please select an item.
Time there (months):	A value is required.
Net Weekly Income:	A value is required.

Click here to go to the Residential tab

Current Street Address		Postal Address (If different to street address)
Unit/Number:	A value is required.	Address (i.e. PO Box):	A value is required.
Street Name:	A value is required.	Suburb:	A value is required.
Street Type:	--Please Select-- Avenue Boulevarde Crescent Drive Esplanade Grove Highway Interchange Place Road Street Terrace Access Alley Alleyway Amble Anchorage Approach Arcade Artery Avenue Basin Bank Beach Bend Block Boulevarde Bowl Brace Brae Bridge Break Brow Broadway Bypass Byway Causeway Centre Centreway Chase Circle Circlet Circuit Circus Close Colonnade Common Concourse Copse Corner Corso Court Courtyard Cove Crescent Crossing Crossroad Crossway Cruiseway Cul-de-sac Cutting Dale Dell Deviation Dip Distributor Drive Driveway Edge Elbow End Entrance Esplanade Estate Expressway Extension Fairway Fire Track Firetrail Flat Follow Footway Foreshore Formation Freeway Frontage Front Gap Garden Gardens Gate Gates Glade Glen Grange Green Ground Grove Gully Heights Highroad Hill Highway Interchange Intersection Junction Key Lane Landing Laneway Lees Line Link Little Lookout Loop Lower Mall Meander Mew Mews Mile Motorway Mount Nook Other Outlook Parade Park Parklands Parkway Part Pass Path Piazza Pier Place Plateau Plaza Pocket Point Port Promenade Quad Quadrant Quadrangle Quay Quays Ramble Ramp Range Reach Reserve Rest Retreat Ride Ridge Ridgeway Right Of Way Ring Rise River Riverway Riviera Road Roads Roadside Roadway Ronde Rosebowl Round Row Route Rotary Rue Run Serviceway Siding Slope Sound Spur Square Stairs Statehighway Steps Street Streets Strip Tarnice Way Terrace Thoroughfare Tollway Top Tor Towers Track Trail Trailer Triangle Trunkway Turn Underpass Upper Vale Viaduct View Villa Vista Wade Walk Walkway Way Wharf Wynd Yard Please select an item.	State/territory:	--Please Select-- QLD VIC TAS ACT WA NT SA NSW Please select an item.
Suburb:	A value is required.	Postcode:	A value is required.
State/territory:	--Please Select-- QLD VIC TAS ACT WA NT SA NSW Please select a valid item.Please select an item.
Postcode:	A value is required.Invalid format.
Living Arrangements:	--Please Select-- Own Buying Live with partner (property in their name) Rent (same address over 2 years) Rent (same address less than 2 years) Live with parents Board Please select a valid item. Please select an item.
Board:
Rent:	A value is required.Invalid format. --Please Select-- Weekly Monthly Yearly Please select an item.
Landlord:
Telephone Number:	Invalid format.
Suburb:
Time there:	--Please Select-- More than 3 years Less than 3 years Please select an item. Years: A value is required. Months: A value is required.

Previous Address
Number/unit:	A value is required.
Street Name:	A value is required.
Suburb:	A value is required.
State/territory:	--Please Select-- QLD VIC TAS ACT WA NT SA NSW Please select an item.
Post Code:	Invalid format.A value is required.
Time there:	--Please Select-- More than 3 years Less than 3 years Please select an item. Years: A value is required. Months: A value is required.

Click here to go to the Employment tab

Employment Status:

--Please Select-- Full Time Permanent (minimum 3 months, unless transferred by same employer, company, tradesman or professional) Full Time Permanent (less than 3 months, no transfer and not a tradesman or professional) Part Time (minimum of 12 months with at least 20 hours work a week) Casual (6 months or more) Part Time or Casual (less than 6 months) Self Employed / Working Director Home Duties Pensioner (if property owner) Pensioner (non property owner) Unemployed Please select a valid item. Please select an item.

Business type:	--Please Select-- Sole Trader Company Trust Partnership Please select a valid item. Please select an item.
Business name:	A value is required.
Years established:	A value is required.
Years owned by you:	A value is required.
Trading Address:	A value is required.
Postal Address:	A value is required.
Business Phone number:	A value is required.Invalid format.
Business fax number:	A value is required. Invalid format.
ABN or ACN:	A value is required.
Industry:	A value is required.
Number of employees:	A value is required.
Business Premises:	--Please Select-- Renting Own Leasing Please select a valid item. Please select an item.
Accountant details:
Name:	A value is required.
Telephone number:	Invalid format.A value is required.
Trade References (two required)
First Ref. Name:	A value is required.
First Ref. Telephone Number:	Invalid format.A value is required.
Second Ref. Name:	Invalid format.A value is required.
Second Ref. Telephone Number:	Invalid format.A value is required.
History & Synopsis of business:
A value is required.
Company Director:
Finance/lease in:	--Please Select-- Company Personal Please select a valid item. Please select an item.

Job Title:	A value is required.
Employer's name:	A value is required.
Employment Address:	A value is required.
Time there:	--Please Select-- More than 3 years Less than 3 years Please select a valid item. Please select an item. Years: A value is required. Months: A value is required.
Telephone Number:	Invalid format.A value is required.
Net $/weekly:	A value is required.
Fortnightly Centrelink Income	A value is required.
Other Income	A value is required.
Car allowance $/monthly:	A value is required.

Previous Employment details:
Job Title:	A value is required.
Employer's name:	A value is required.
Employment Address:	A value is required.
Employment Status:	--Please Select-- Full Time Permanent (minimum 3 months, unless transferred by same employer, company, tradesman or professional) Full Time Permanent (less than 3 months, no transfer and not a tradesman or professional) Part Time (minimum of 12 months with at least 20 hours work a week) Casual (6 months or more) Part Time or Casual (less than 6 months) Self Employed / Working Director Home Duties Pensioner (if property owner) Pensioner (non property owner) Unemployed Please select a valid item. Please select an item.
Time there:	Years A value is required. Months A value is required.
Telephone Number:	Invalid format.A value is required.
Weekly Net Income:	A value is required.
Car allowance $/monthly:	A value is required.

Click here and go to the Current Standing tab

Assets	Value ($)	Liabilities	Lender (e.g. ANZ)	Monthly ($) payment	Total Owing ($)
Property - Home Address:		Home Mortgage:
Property - other:		Mortgage 1
Property - other:		Mortgage 2
Cash in bank:		Personal loans
Term Deposit:		Other loans
Motor Vehicle:		Lease / hire purchase
Motor Vehicle:		Car loan
Caravan, boat, m/cycle:		Other finance
Shares:		Credit Card 1
Furniture:		Credit Card 2
Other (provide details):		Store Card
Total ASSETS		Total LIABILITIES
Click here and go to the Loan Details tab

Type of Loan:	--Please Select-- Commercial Hire Purchase Chattel Mortgage Heavy Equipment Hire Purchase Home Loan Novated Lease Operating Lease Personal Secured Loan (Car, Boat, Bike, etc) Property Finance Unsecured (Holiday, Consolidation, etc) Refinance Existing Loan Technology (Computers, Telephone Systems, etc) Second Chance Loan (Car or Bike) Yellow Iron Please select a valid item. Please select an item.
Loan Purpose:	--Please Select-- Aircraft Bike Boat Bridging Business Purpose Car Cash Flow Computer & Related Consolidation Electrical Goods Electronic Goods Equipment Farm Equipment Farm Machinery Fit Out Holiday House/Land Jet Luxury Car Loan Machinery Motor Vehicle New Car Loan Personal Plant & Equipment Property Taxi Plates Tractor Trailer Truck Used Car Loan Working Capital Other Please select a valid item. Please select an item.
Purchase from:	--Please Select-- Dealer Private Vendor Please select a valid item. Please select an item.
Loan Amount:	A value is required.Invalid format.
Preferred Terms:	--please Select-- 1 yr 2 yr 3 yr 4 yr 5 yr Please select a valid item. Please select an item.
Year of Model:
Make of Unit (manufacturer):
Model of Unit:
Body Type:
Loan Comments:
Click here and go to the Submit tab

How did you hear about us?

--Please Select-- Internet Television Commercial Television Show Yellow Pages Magazine or Paper Referred Existing Client Other Please select a valid item. Please select an item.

Which search engine?

A value is required.

Which channel?	A value is required.
What show?	A value is required.

Book or online?

--Please Select-- Book Online Please select a valid item. Please select an item.

Which Magazine or Paper?

A value is required.

By whom?

A value is required.

Details please:

A value is required.

Notes:
Reference (not living with you, Must be living in Australia)
Name of relative or friend	A value is required.
Relationship to you	A value is required.
Full address	A value is required.
Home / Mobile	A value is required.Invalid format.
I am interested in finding out more about:	Full Comprehensive Shortfall (Gap Cover) Loan Protection Cash Benefit Insurance Extended Warranty
I/we agree and acknowledge the terms of the Privacy Authorisation Agreement	National Loan Solutions, Loans Act Authorisation Agreements This statement explains out Privacy Policy, the privacy rights of the applicant ("you") and the rights and obligations of National Loan Solutions ("we") in relation to your personal information. We recognise the importance of protecting the privacy of your personal information. Our Privacy Policy complies with the National Privacy Principles in the Commonwealth Privacy Act 1988 as well as any other applicable laws and codes affecting your personal and credit information. Personal information is information or opinion that allows others to identify you. It includes your name, age, gender, contact details and financial information. We collect personal information to provide you with the products and services you request as well as information on other products and services offered by us. We only exchange personal information with external organisations that help us provide these products and services. We require your consent to use your personal information for these purposes. Without this consent, we may not be able to process the application or provide you with an appropriate level of service. You may request access to your personal information by contacting out Privacy Officer. (Our Privacy Policy is set out below.) By ticking this box you authorise us and our sub-distributors to: collect, maintain, use and disclose your personal information in accordance with our Privacy Policy; act as your agent in seeking access to your consumer credit information file held by a credit reporting agency: for an application, or proposed application by you for credit; or you having sought advice in relation to existing credit. Car Loans Online Privacy Policy The information in this document details how we comply with the requirements of the Privacy Act in protecting your personal information. Index Privacy Regulation Collection of Personal Information Disclosures Personal information quality Personal information security Telephone Access to personal information Further information Privacy Regulation Privacy Act 1988 The Commonwealth Government has enacted privacy legislation to protect information held by all credit providers (not just banks) about their customers? personal credit dealings. Since 1991, under Part IIIA of the Privacy Act, credit providers have only been allowed to disclose information about personal credit dealings to certain classes of persons (such as another bank or a credit union) for certain very limited purposes. Privacy Amendment (Private Sector) Act 2000 In December 2000, the Commonwealth Government enacted further privacy legislation, which commenced 21 December 2001, amending the Privacy Act (implementing the National Privacy Principles) to include provisions the regulate the way private sector organisations collect, use, disclose, keep secure and provide access to personal information. We protect your personal information in accordance with the National Privacy Principles. Collection of Personal Information What is personal information?? Personal information is information or an opinion, whether true or not, and whether recorded in a material form or not, about an individual whose identity is apparent, or can reasonably be ascertained, from the information or opinion. What we collect Personal information collected by us generally comprises, name, address, date of birth, gender, marital status, occupation, account details, contact details (including telephone, facsimile and e-mail) and financial information. Sometimes we collect a few personal details unlikely to be known to other people to help us identify you over the telephone. If you are applying for credit we may also collect the number and ages of dependents, the length of time at your current address, your employerÕs name and contact details, the length of your employment, proof of earnings and, if you have changed employer in the last few years, details of your previous employment. We use this information to assist in making responsible credit decisions. In addition, as required by Part IIIA of the Privacy Act 1988, we need your consent to collect, use and disclose credit information about you. Why we collect information Personal information is collected so that we may identify you and provide you with the products and services you require and, unless you tell us otherwise, to provide information on other products on offer. Personal information may also be used for: administering our customer relationships; monitoring and evaluating products and services gathering and aggregating information for statistical, prudential, actuarial and research purposes; assisting customers with queries; and taking measures to detect and prevent frauds and credit loss What if you provide incomplete or inaccurate information? We may not be able to provide you with the products or services you are seeking. Obtaining your consent In most cases, before or at the time of utilising our service, we obtain your consent to the purposes for which we intend to use and disclose your personal information. If you do not give us consent, we may not be able to provide you with the products and services you want. Refer to the Disclosures section for details of the confidentiality arrangements that apply when functions are outsourced. Withdrawing consent Having provided consent, you are able to withdraw it at any time. To withdraw consent, please refer to the Further Information section below? Please note that withdrawing your consent may lead to us no longer being able to provide you with the product or service. Disclosures Depending on the product or service you require, we may obtain from, or exchange personal information with: credit reporting agency or other business that provides information about credit worthiness, credit reports containing personal or commercial credit information about you; all credit providers named in this application or that may be named in credit reports issued by a credit reporting agency; any employer named in this application to confirm employment details; any motor vehicle or drivers? license registry in Australia; if required, the loan broker submitting this application on your behalf; external service providers that help us provide you with the products and services. They may include overseas organisations; auditors we appoint to ensure the integrity of our operations; any person acting on your behalf, including your financial adviser, solicitor and accountant, executor, administrator, trustee, guardian or attorney; your referee (to confirm details about you); regulatory bodies and government agencies; third party outsource organisations, including bulk mailing, market research, direct marketing, debt recovery, information technology and consultants. In circumstances where personal information may become known to our contractors, agents and outsourced service providers, there are confidentiality arrangements in place. Contractors, agents and outsourced service providers are not able to use or disclose personal information for any purposes other than out own. We take our obligation very seriously and we make every effort to deal only with parties who share and demonstrate the same attitude. Exchanging information with a credit reporting agency When you apply for credit, lenders need to be in a position to decide whether or not you are likely to repay. The decision will be based on your current financial position (including your other credit repayments) and on your credit history (whether in the past you have been a reliable repayer). We will consider the information you give us when you fill out your application and may check that information with a credit reporting agency and with any other credit provider with whom you have had dealings. In checking with a credit reporting agency, we are looking to confirm the completeness and accuracy of information you have provided on your application form. Where the Privacy Act applies we can only give information about you to a credit reporting agency if we first have told you that we will do so, and we can only obtain information about you from a credit reporting agency if we have your consent. Personal Information Quality Our goal is to ensure that the personal information we hold is accurate, complete and up-to-date. Please contact us if any of the details you have provided change. Please also contact us if you believe that the information we have about you is not accurate, complete or up-to-date. We may take steps to update personal information, for example, an address, by collecting personal information from publicly available sources, for example, telephone directories or electoral rolls. Personal Information Security We strive to ensure the security, integrity and privacy of personally identifiable information of our customers. We use a variety of physical and electronic security measures including restricting physical access to our offices and firewalls and secure databases to keep personal information secure from misuse, loss or unauthorised use or disclosure. Telephone We may monitor and record telephone calls for training and security purposes. You will be notified of any monitoring or recording at the commencement of each call. Access to Personal Information You can request us to provide you with access to the personal information we hold about you. An access charge may apply, but not to the request itself. The charge is for the time we spend on locating, collating and explaining the information you request (generally based on a rate of $50 per hour or part thereof) plus any photocopying costs and out of pocket expenses (such as freight and traveling costs) Responding to an access request We will respond to your access request as soon as possible. We will endeavour to comply with your request within 21 days of its receipt but, if that deadline cannot be met owing to exceptional circumstances, your request will be dealt with within 30 days. It will help us provide access if you can tell us what you are looking for. Your identity must be confirmed before access is provided. Requests may be denied or limited If particular circumstances apply, we are permitted by the Privacy Act to deny your request for access, or limit the access we provide. We will let you know why your request is denied or limited. For example, we may give and explanation of a commercially-sensitive decision, rather than direct access to evaluative information connected with it. Where we hold your personal information in conjunction with that of another individual or individuals (e.g. where you jointly conduct an account), we will allow each individual access to their own personal information and to the joint information but not to the personal information of the other individual(s), We at Natloans Pty Ltd are committed to the National Privacy Principles in the Commonwealth Privacy Act 1988 as well as any other applicable laws and codes affecting your personal and credit information. Our staff members are trained to respect your privacy in accordance with our standards, policies and procedures. We advise and disclose that Natloans logo is a registered Trade Mark owned by National Pty Ltd (ABN 39 153 007 240) and is used by our associated entities, authorised licensees and contractors. PLEASE NOTE that by agreeing to the terms of this authority you also agree that the personal information you provide us may be used by the following associated entities, authorised licensees and contractors (namely, Natloans Pty Ltd; ANZ Banking Group Ltd; Westpac Banking Corporation; GE Money; Liberty Funding Pty Ltd; St George Pty Ltd; RACV Finance Pty Ltd; Macquarie Bank Limited; Easy Loans Australia; Express Funds; Macquarie Leasing; CBFC; Iden Group; IAC rentals; Australian Motorcycle/Marine Finance; Captivate Finance; Credit Choice Finance Pty Ltd; Advanced Business Pty Ltd; or any other credit provider) and wherever the context permits, all references to Natloans Pty Ltd includes a reference to all associated entities, authorised licensees and contractors listed herein. In compliance with the applicable privacy laws, all applicant parties to a finance application should complete and return the privacy authorisation agreement to the below named introducer / broker. Name of Finance Broker: National Loan Services The privacy Act 1988 (Cth) regulates the way Natloans Pty Ltd uses personal information. Natloans Pty Ltd needs certain information about you so that Natloans Pty Ltd can assess your loan application. This section tells you how Natloans Pty Ltd might use the information you have given, and what other information Natloans Pty Ltd might seek. Please read it carefully. If you have any questions, please ask for more information. GIVING INFORMATION TO A CREDIT REPORTING AGENCY I / We acknowledge that Natloans Pty Ltd may give to a credit reporting agency personal information about me/ us to enable Natloans Pty Ltd to obtain a consumer credit report about me/us, or to allow the credit reporting agency to create or maintain a credit information file about me / us. The information that may be given is limited to: 1. Identifying particulars including name and address, date of birth, sex, employer and drivers license number. 2. The fact that I / We have applied for credit and the amount. 3. The fact that the Natloans Pty Ltd is a current credit provider to me / us. 4. The fact that payments are overdue more than 60 days and for which collection action has commenced. 5. Advice that payments are no longer overdue in respect of any default which has been listed. 6. Advice that cheques drawn by me / us for $100 or more have been dishonoured more than once. 7. Natloans Pty Ltd opinion that I / We have committed a serious credit infringement , and 8. The fact that the credit provided to me /us by Natloans Pty Ltd has been paid. Natloans Pty Ltd OBTAINING CREDIT INFORMATION I/We agree that the Natloans Pty Ltd may obtain information about me/ us from a business, which provides information about the commercial credit worthiness of persons for the purpose of assessing my/ our application for consumer credit. We further agree that Natloans Pty Ltd may obtain a consumer credit report containing information about me/ us from a credit reporting agency for the purpose of : 1. Assessing my/ our application for credit or 2. Collecting overdue payments relating to credit owed by me/ us EXCHANGING INFORMATION WITH OTHER PARTIES I/ We authorise Natloans Pty Ltd to give and receive any other credit provider, insurer, introducer, securities or funder 1. Named in this application form, or 2. Named in a credit report issued by a credit reporting agency, or 3. Who prepares or helps me/ us to prepare this application, or 4. Who is a broker, accountant, lawyer, valuer, financial advisor or other advisor assisting me / us, or 5. Who is a person funding my/ our loan by means of an arrangement involving securitisation Information about my/ our credit arrangements, including information about my/our credit worthiness, credit standing, credit history or credit capacity that National Loan Services is allowed to exchange under the Privacy Act 1988. I/We understand the information may be exchanged for the following purposes. 1. to assess an application by me / us for credit, 2. to assist me /us to avoid defaulting on my/ our credit obligations 3. to advise on the outcome of my/our application 4. preparing loan and related documentation 5. to assess whether to provide insurance to National Loan Services or another credit provider, including an assessment of the risk of me/ us defaulting on payments in respect to credit provided to me/us. 6. To assess whether to provide a financial guarantee whether the credit provider is Natloans Pty Ltd or another credit provider, 7. For marketing (direct and other kinds) , planning product development, and research purposes, risk assessment , new product application, modelling and loan management purposes. 8. To notify other credit providers of a default by me / us and, 9. To assess my/ our credit worthiness GIVING INFORMATION TO A GUARANTOR I/We agree that Natloans Pty Ltd may give to a current guarantor or prospective guarantor, being a natural person or a corporation any information about my/ our credit worthiness, credit standing, credit standing, credit history or credit capacity that Natloans Pty Ltd are allowed to disclose under the Privacy Act, including a credit report for the purpose of: 1. The prospective guarantor deciding whether to act as a guarantor or, 2. To keep the current guarantor informed about the guarantee. Further Information Contact Natloans Pty Ltd ABN 39 153 007 240 7/296 Bay Rd, Cheltenham VIC 3192 Do you accept the privacy statement stated above? I accept
I/we have read and understand Frequently Asked Questions	What does natloans have to offer? Competitive insurance, finance, hire purchase and leasing for cars, trucks, vans, boats, office equipment, machinery, tractors, equipment, caravans, motorcycles, business furniture & fittings, and more. How much can I borrow? You can borrow as little as $2000 for a personal loan. The maximum amount depends on your situation and what you are borrowing for. How long is the loan for? This varies depending on what you are borrowing for and how long it suits your budget. Loan terms for car and personal loans can range from 1 to 7 years. Home loans are up to 30 years. How long does it take to apply? Not long at all. To complete an online application could between 10 – 15 minutes. You can do this online, over the phone one of our enthusiastic consultants, or drop in to our office. How long does it take to get approved? Usually just a few hours, however complex or difficult applications can take a few days. Once approved original finance documents must be signed and the supplier will be paid directly usually within 1-2 days. natloans will notify you by phone, email or mail depending on what suits your needs. Can I get my loan approved before purchasing? Yes, providing you can give us an idea of what you're intending to purchase. Getting pre-purchase approval before you go shopping is a good idea, allowing bargaining power on the showroom floor. natloans needs to assess the total amount of finance against the current market value of the item. We must also approve your supplier, as there are many fraudulent vendors in the market place. Are your interest rates competitive? National Loan Solutions we pride ourselves on providing the best interest rates we can combined with loan products that meet our clients needs. Our goal is to provide you the best service, prompt turnarounds and the most competitive deals in Australia. As such, we consistently monitor current interest rates. We challenge you to try & find a better deal. However, the interest rate offered may vary by several per cent depending on a number of factors such as your credit profile, the age of the asset you are financing and the amount you are wishing to finance. Contact us and get a quote now, then compare us with the banks and other lenders. Can I buy a car privately? Can I buy from a dealer? Dealer, auction, private sale and re-finance are welcome. Some used vehicles may require a vehicle inspection prior to payment - please discuss with our staff prior to purchase. Call National Loan Solutions before buying your new car – we have access to huge discounts on most new cars. Do I need to provide anything with my application? Send us the completed and signed application pages. If self employed or applying for business finance (hire purchase, chattel mortgage, or lease) please return application together with your most recent financial statements/tax returns, payslip, and/or group certificates. This extra information will speed up your assessment & may also allow you to qualify for a discount on interest rate based on that information. On settlement some of the following may also be requested before finalising: * Payslip or letter from your employer * Bank account details for direct debit * Proof of home ownership * Formal identification * Comprehensive insurance policy * Drivers licence (with correct addresses) * Rent receipt (if your renting) * Company common seal (if a company) When do I make my first payment? Can I make extra payments? The first repayment will be due 14 days (if fortnightly) or one month (if monthly) after settlement of a personal loan. Business finance applicants have the first monthly repayment due on the day of settlement. Remaining payments are deducted from your nominated bank account. Extra payments of any amount can be made at any time by cheque, cash, direct deposit and BPAY where applicable (some fees may apply). Are there any application costs? The National Loan Solutions deal with a large panel of lenders, therefore the monthly or ongoing account keeping fees may vary. Furthermore, the amount financed and which state of Australia you live in, also effects the set up, approval and/or establishment of your loan. Contact us to get an exact quote There is no fee if National Loan Solutions does not approve your application. Have more questions? Contact us now. Our refreshingly enthusiastic staff will be happy to help. Have you read the above Frequently Asked Questions? I have read
I/We have read and understood the trading terms outlined in the Credit Guide Quote and appoint natloans.	Credit Guide & Quote Saccasan Pty Ltd ABN: 8685946741 Australian Credit Licence Number: 386297 Street Address: Level 1, Suite 7, 296 Bay Road, Cheltenham VIC 3192 Mailing Address: PO Box 225 Southlands Centre VIC 3192 Phone: Central Number: 1300 955 791 Central Fax: 1300 955 723 email: info@natloans.com.au website: www.natloans.com.au Authorised Credit Representatives: Please note that by agreeing to the terms of appointing us you also agree that your information may be used by the following Authorised Credit Representatives; Natloans Pty Ltd; Mandy Lambert; Karen Budge. All references to Saccasan Pty Ltd include a reference to all associated entities, authorised licensees and contractors listed herein. Our Responsible Lending Obligations under the National Consumer Credit Protection Act 2009: We are required under the current legislation to provide you with this document and to make reasonable enquiries to determine that a loan we suggest to you or help you apply for is not unsuitable, taking into account your financial position and your requirements and objectives. We need to do a Preliminary Assessment on your capacity to repay the loan without substantial financial hardship. To do this we need to obtain from you documents that reasonably demonstrate your financial position. We are not able to suggest or to help you with an application for consumer credit whereby our preliminary assessment determines that you cannot afford the repayments. This assessment expires after 90 days. If this assessment determines that you can afford the loan and it meets your requirements and objectives, and we assist you to obtain a loan, we are obliged to give you at no charge a copy of our assessment if requested. Information about the Lenders we have arrangements with: In sourcing a suitable credit proposal for you we mostly use the following lenders; Esanda Finance Corporation Ltd; Westpac Banking Corporation; Liberty Funding Pty Ltd; RACV Finance Pty Ltd, Macquarie Leasing; IAC rentals; Australian Marine Finance; Australian Motorcycle Finance; Service Finance. Commission Disclosure: Money paid to us by lenders: We may receive a payment of commission from a particular lender when we introduce a new consumer credit proposal to them. This commission is paid to us only if the loan funds are provided for the consumerÕs use and then generally only when a certain number of repayments have been made. The payment is made as a contribution to our advertising, marketing and operational costs in finding the new business for them. Depending on the customer profile we may receive an amount in the range of 0% -10% of the loan amount ($0 to $1000- for each $10,000- of money borrowed). The amount of this fee is determined and paid by the lender and can change at any time without consultation with us and always at the lendersÕ discretion. Saccasan Pty Ltd may receive additional remuneration in the form of a volume bonus. This type of arrangement is a common business practice and we have this in place with all our lenders. Volume bonus remuneration is based on various conditions and the payment increases as the total volume of business we introduce to a particular lender increases within a defined timeframe. This additional remuneration may be paid directly via a monetary payment or indirectly via a ÒprizeÓ. We do not monitor volumes per lender to obtain bonus remuneration as our focus is always on what is the most appropriate and competitive credit product for our client. We have a formal referral arrangement in place with some accountants, dealerships and finance professionals who introduce new clients to us. This is a business arrangement and any fee paid is a business expense and is not paid by charging any additional fee to our clients. From time to time, we may also remunerate other parties through a monetary payment or other benefit. On request we will provide any consumer with a reasonable estimate of the amount of the referral payment and how it is worked out. Money paid to us by you: We charge a loan sourcing service fee for researching the market place to match a consumerÕs situation with a suitable credit product. We complete our research and assessment based on the information our clients provide us with. The loan sourcing service fee depends on the amount of the loan our clients obtain and may vary depending on the personal situation and choice of product. Once you have agreed to appoint us, you will be liable for any fee described in this document even if you terminate the appointment prior to us commencing work on your behalf. We apply a loan sourcing service fee of up to 5% of the total loan amount. In dollar terms this equals a fee of up to $500 for every $10,000- of loan or part thereof. Any fee that is not included in this document will not be charged by us to you. If we cannot find a suitable product and you have provided us with an accurate picture of your situation, we do not charge you a fee. On the occasion that we find a suitable product identical or reasonably comparable to that specified to your requirements and you refuse to accept the credit we have negotiated on your behalf, we apply a loan sourcing service fee of 5% of the total loan amount. In dollar terms a demonstration is $500 for every $10,000- of loan. On the occasion that you intentionally omit information about your circumstances which could affect the outcome of an approval from a lender, we apply a loan sourcing service fee of up to 5% of the loan amount. In dollar terms this equals a fee of up to $500 for every $10,000- of loan. Things you need to know: We are not qualified to provide legal advice. It is important you understand your legal obligations under the loan and the financial consequences of entering the credit contract. If you have any doubts, you should obtain independent legal advice before you ender any credit contract. It is important to us to have happy customers. If you are unhappy with our service or the credit product provided or if we or the product has not fulfilled your expectations, we invite you to contact our Complaints Manager to see if your concerns can be resolved internally: Complaints Manager: Mary Nebotakis Email: complaints@natloans.com.au Direct Phone Number: 03 85852719 If we are unable to resolve your concerns internally, we are a member (M0005375) of the Credit Ombudsman Service Limited (COSL) who is a government approved external dispute resolution body which was set up to help consumers to resolve any concern we are unable to resolve internally. This external dispute resolution service is provided without any cost to a consumer. Their contact details are: Level 6 50 Park St, Sydney, NSW 2000 Phone: 1300 780 808 Fax: 02 9267 3125 Email: info@creditombudsman.com.au Web: www.creditombudsman.com.au I have read
There are some errors in the form. Please check the tabs and enter values into the fields highlighted in red. They are as follows: First Name is required in the Personal Tab Last Name is required in the Personal Tab Marital Status is required in the Personal Tab Driver's Licence is required in the Personal Tab Email is required in the Personal Tab Mobile is required in the Personal Tab Home Number is required in the Personal Tab Title is required in the Personal Tab Driver's Licence State is required in the Personal Tab Driver's Licence Expiry Date is required in the Personal Tab Dependents is required in the Personal Tab Credit Rating is required in the Personal Tab Gender is required in the Personal Tab Date of Birth is required in the Personal Tab Capacity of Applicant is required in the Personal Tab Number Applicants is required in the Personal Tab 2nd Applicant's First Name is required in the Personal Tab 2nd Applicant's Weekly Income is required in the Personal Tab 2nd Applicant's Date of Birth is required in the Personal Tab 2nd Applicant's Last Name is required in the Personal Tab 2nd Applicant's Email is required in the Personal Tab 2nd Applicant's Licence State is required in the Personal Tab 2nd Applicant's Licence Expiry Date is required in the Personal Tab 2nd Applicant's Gender is required in the Personal Tab 2nd Applicant's Employment is required in the Personal Tab 2nd Applicant's Time There is required in the Personal Tab 2nd Applicant's Credit Rating is required in the Personal Tab 2nd Applicant's Driver's Licence is required in the Personal Tab 2nd Applicant's Employer is required in the Personal Tab 2nd Applicant's Occupation Title is required in the Personal Tab 2nd Applicant's Work Number is required in the Personal Tab 2nd Applicant's Work Address is required in the Personal Tab 2nd Applicant's Time There Months is required in the Personal Tab 2nd Applicant's Expenses is required in the Personal Tab 2nd Applicant's Previous Weekly Income is required in the Personal Tab 2nd Applicant's Previous Work Number is required in the Personal Tab 2nd Applicant's Previous Work Address is required in the Personal Tab 2nd Applicant's Previous Employer is required in the Personal Tab 2nd Applicant's Previous Occupation is required in the Personal Tab 2nd Applicant's Employment Type is required in the Personal Tab 2nd Applicant's Previous Months is required in the Personal Tab Unit/Number is required in the Current Street Address Section. Street Name is required in the Current Street Address Section. Street Type is required in the Current Street Address Section. Suburb is required in the Current Street Address Section. State is required in the Current Street Address Section. Postcode is required in the Current Street Address Section. Please enter a valid postcode eg 3162 in the Current Street Address Section. Living Arrangements is required in the Current Street Address Section. Time in residence is required in the Current Street Address Section. The Month you started living at the address is required in the Current Street Address Section. The Year you started living at the address is required in the Current Street Address Section. Postal is required in the Current Street Address Section. Time at your Current Residence is required in the Current Street Address Section. Rent amount is required in the Current Street Address Section. Rent period is required in the Current Street Address Section. Agent name is required in the Current Street Address Section. Agent phone is required in the Current Street Address Section. Agent suburb is required in the Current Street Address Section. Weekly amount you pay for boarding or caravan rental is required in the Current Street Address Section. Postal address is required in the Postal Address Section. Postal suburb is required in the Postal Address Section. Postal state is required in the Postal Address Section. Postal post code is required in the Postal Address Section. Previous Address Unit / Number is required in the Previous Street Address Section. Previous Address Postcode is required in the Previous Street Address Section. Previous Address Street is required in the Previous Street Address Section. Previous Address Street Type is required in the Previous Street Address Section. Previous Address State is required in the Previous Street Address Section. Previous Address Suburb is required in the Previous Street Address Section. Previous Address Time There is required in the Previous Street Address Section. Previous Address Months is required in the Previous Street Address Section. Previous Address start month is required in the Previous Street Address Section. Previous Address start year There is required in the Previous Street Address Section. Previous Address end month is required in the Previous Street Address Section. Previous Address end year is required in the Previous Street Address Section. Employment Status is required in the Employment Tab Business Type is required in the Employment Tab Business Name is required in the Employment Tab Years Established is required in the Employment Tab Years Owned by You is required in the Employment Tab Address is required in the Employment Tab Postal Address is required in the Employment Tab Phone is required in the Employment Tab Fax is required in the Employment Tab ABN / ACN is required in the Employment Tab Business Industry is required in the Employment Tab Number of Employees is required in the Employment Tab Business Premises is required in the Employment Tab Accountant's Name is required in the Employment Tab Accountant's Number is required in the Employment Tab Business Reference 1 Name is required in the Employment Tab Business Reference 1 Number is required in the Employment Tab Business Reference 2 Name is required in the Employment Tab Business Reference 2 Number is required in the Employment Tab Business History is required in the Employment Tab Business Finance is required in the Employment Tab Job Title is required in the Employment Tab Employment Name is required in the Employment Tab Employment Address is required in the Employment Tab Time There is required in the Employment Tab Employment Phone Number is required in the Employment Tab Net Income is required in the Employment Tab Centrelink Income is required in the Employment Tab Other Income is required in the Employment Tab Car Allowance is required in the Employment Tab Employment Start Month is required in the Employment Tab Employment Years is required in the Employment Tab Employment Months is required in the Employment Tab Previous Job Title is required in the Employment Tab Previous Employer's Name is required in the Employment Tab Previous Employer's Address is required in the Employment Tab Previous Work Status is required in the Employment Tab Previous Employment Start Month is required in the Employment Tab Previous Employment Start Year is required in the Employment Tab Previous Employer's Phone Number is required in the Employment Tab Previous Weekly Income is required in the Employment Tab Previous Car Allowance is required in the Employment Tab Reference Name is required in the Submit Tab Reference Address is required in the Submit Tab Reference Number is required in the Submit Tab Reference Relationship is required in the Submit Tab Loan Terms is required in the Loan Details Tab Loan Amount is required in the Loan Details Tab Loan Type is required in the Loan Details Tab Loan Purpose is required in the Loan Details Tab Purchase is required in the Loan Details Tab Hear About us is required in the Submit Tab If you can not complete this form you can email our IT department..

Home | Legal | Privacy | Glossary | Sitemap
©2008 National Loan Solutions Pty Ltd ABN 90 106 933 993 | Designed by Fuel Marketing