About the formal Credit Guide
Emoney Pty Ltd (ABN 61 079 790 364, ACN 079 790 364) trades as emoney Home Loans and publishes Australian Credit Licence 386 494.
A formal Credit Guide provides preliminary information about the licensed credit business. Emoney's current controlled process uses a Connective-generated guide for the applicable broker or authorised credit representative. The guide is provided with the related privacy disclosure and consent and, where required, transaction disclosures.
What the Credit Guide should explain
The applicable Credit Guide should identify the licensee or representative and contact details, explain the credit activities and services covered, describe the complaints process and provide Australian Financial Complaints Authority details.
Where Emoney acts as a credit assistance provider, the formal guide also explains fees and charges, commissions and other benefits, referral arrangements, the lender panel and the six credit providers or lessors used most often. The six-provider list can differ by broker and is generated from current CRM data, so the guide issued to you is the controlling version rather than a static website list.
The related privacy disclosure may identify the broker, authorised representative, an applicable trust entity and Connective. Those transaction-specific details operate with Emoney's website Privacy Policy and control the relevant application process.
Request and delivery
Call 13 SAVE (137 283), email hello@emoneyhomeloans.com.au, or use the contact page to request the current Credit Guide free of charge. Emoney's broker process must provide the applicable guide at the time required by the National Consumer Credit Protection Act and Regulations, generally before engaging in the relevant credit activity.
This webpage is a request and explanation pathway only. It is not the formal Credit Guide, a quote, a credit proposal disclosure document, a written assessment, personal credit advice or credit approval.