Credit Guide & Quote

Last updated: May 31, 2025

Key Information

This Credit Guide & Quote is provided by Cool Finance Pty Ltd (ABN 35 678 029 528), Authorised Credit Representative #563627 of Fintelligence Pty Ltd (ABN 80 625 017 174), Australian Credit Licence # 511803.

Address: Level 37, 71 Eagle Street, Brisbane City QLD 4000

Phone: 0416 510 401

Email: [email protected]

Our Credit Services

We will assist you to select a loan or lease to meet your needs. The credit providers we most commonly use are:

  • Macquarie
  • Pepper Asset Finance Pty Ltd
  • Secure Funding Pty Ltd (Liberty)
  • Latitude Financial Services
  • WISR
  • Firstmac
  • Plenti

We also work with other credit providers to find the best solution for your needs.

Information We Will Require From You

We are obliged to ensure any loan or lease we suggest or assist you to apply for, including an increase to an existing credit limit, is not unsuitable for your purposes. This includes if:

  • The loan or lease does not meet your requirements or objectives
  • You are unable to make the repayments
  • You could only make repayments with substantial hardship

Therefore, we will need some information from you. It is important that the information you provide is entirely accurate.

Copies of Our Assessment

At any time within 7 years of us providing you with credit assistance, you may request a copy of the preliminary credit assessment. We will provide you with this documentation within:

  • 7 business days of receiving your request (if within 2 years of the Credit Quote)
  • 21 business days of receiving your request (if more than 2 years after the Credit Quote)

Fees and Commissions

Fees Payable By You To Us

We may charge you for our services when providing credit assistance. If a fee is to be charged, this will be disclosed to you in our Credit Quote which will be provided before applying for finance. You can ask us how they are worked out.

Fees Payable By You To Third Parties

When the application for a loan or lease is submitted and ultimately proceeds to settlement, you may be required to pay fees to third parties associated with the application, such as:

  • Credit provider's application fee
  • Security registration fee
  • Inspection fee
  • Other applicable fees

If applicable, these will be detailed in the Credit Proposal document and provided to you before you apply for finance.

Commissions Received By Us

Commissions may be payable to us by the credit provider for any loan or lease that is settled. The amount varies between lenders and the amount of credit that you receive. These are not directly payable by you, and these will be disclosed within the Credit Proposal document.

Commissions Payable By Us

If you are referred to us by a third party, we may pay that entity a commission for the introduction of your business. For example, we may pay commissions to:

  • Real estate agents
  • Car or boat dealerships
  • Accountants

These commissions are not directly payable by you.

Complaints

We hope that you're pleased with our service, although if you do have a complaint, you can contact our Complaints Officer via:

Phone: 0416 510 401

Email: [email protected]

Mail: Level 37, 71 Eagle Street, Brisbane City QLD 4000

Please provide us with as much detail as possible in your complaint so we can address it promptly and hopefully resolve it to your satisfaction.

If you are not satisfied with the outcome of our attempt to resolve your complaint, you may refer the matter to:

Australian Financial Complaints Authority

Phone: 1800 931 678

Mail: GPO Box 3 Melbourne VIC 3001

The Australian Financial Complaints Authority is a no-charge external and independent dispute resolution service.

Questions

If you have any questions about this Credit Guide or any other aspect of our services, please do not hesitate to ask.