Credit Guide


As an intending borrower, we provide you with the following Credit Guide, which must be provided to you in writing, in accordance with Section 126 of the National Consumer Credit Protection Act 2009.

Licensee’s name (being a Credit Provider): Col and Bill Pty Ltd t/as Cash Loan Money Centres, ACN: 161 582 412
Licensee’s registered office: Shop 1, 115 Mary Street, Gympie Qld 4570
Telephone: (07) 5481 1806
Postal address: As above
Australian Credit Licence Number: 480475

Internal Dispute Resolution (IDR) Procedure:
Should you have a complaint or concern in regard to your credit contract, including any unforseen financial difficulty, in the first instance, please contact the Cash Loan Money Centres’ IDR Manager. The Manager will be pleased to assist in resolving your complaint or concern. There is no charge for this service.
IDR Manager: Brad Fogarty
Phone: (07) 5481 1806, Email: [email protected]

External Dispute Resolution (EDR) Procedure:
Following contact with the IDR Manager, if you are not satisfied with the outcome of the attention given to your complaint or concern, you may contact the Credit and Investments Ombudsman (CIO) with detail of your complaint or concern. There is no charge for this service.
EDR Ombudsman: CIO – Phone: 02 9273-8400, or go to
Postal address: PO Box A252, Sydney South, NSW 1235

Suitability of the Loan
We are required to assess the suitability of the loan you have requested, under Sections 128, 129 and 133 of the National Consumer Credit Protection Act 2009. These Sections are concerned with whether or not the loan you seek is “unsuitable”.
Under Section 131, we are obliged to advise you that we will not participate in the arrangement of a loan for you, if that loan would be unsuitable and under Sections 128 and 133, we are obliged to refuse an increase in your credit limit if that would also be deemed unsuitable.
Suitability or unsuitability is assessed in accordance with the following criteria:
1. Whether or not you will be able to comply with the financial obligations under the contract, without substantial hardship, if at all.
2. Whether or not the contract will meet your requirements and objectives.
3. Whether or not the contract meets requirements imposed by regulation, from time to time.
4. It involves us, as a Credit Provider, making enquiry about your financial circumstances.
5. According to whether or not we believe the information to be true.
In accordance with Section 132, if you are successful with your application and enter into a credit contract with us because the loan is not deemed unsuitable, you may request a copy of that assessment any time during the following 7 years. This will be provided at no charge to you.
If your copy is requested within 2 years, we will provide it within 7 days. If your request is received after the second year, we may take up to 21 days to provide you with a copy.

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