Direct Debit Fee – $0.99

If your payments are made by direct debit, this fee may apply on a per transaction basis by add-ing it to the amount due and the total will be direct debited from your nominated bank account.

Arrears notice fee – $10

If your loan is in arrears and we find it necessary to write to you, this fee may be debited to your account and form part of the balance owing.

Credit Reference Default Advice – $30

When we register a payment default by you with a Credit Reporting Body, this fee may be debited to your ac-count and form part of the balance owing.

Debt Recovery Field Call – $100

This fee or such higher amount as we may incur may be payable and debited to your account and form part of the balance owing if we or our agent have cause to visit you in regard to your outstanding.

Debt Recovery Phone Call – $2

This fee may be payable and debited to your account and form part of the balance owing if we have cause to telephone you in regard to your outstanding arrears.

Default Notice – $35

If your loan is in arrears and we find it necessary to issue a Default Notice, this fee may be debit-ed to your account and form part of the balance owing.

Dishonour or Missed Payment Fee – $30

When we are notified of a dishonoured payment by our bankers or where you fail to make a payment on the due date, this fee may be debited to your account and form part of the balance owing.

Enforcement Expenses – At Cost

These may be payable when you are in default and we incur any expense in enforcing our rights under the contract.

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For loans under $2000 the minimum repayment term 90 days, maximum repayment term 12 months.