Free Loan Assessment

Dear Customer, To work out which one of our products has the best terms, conditions and rate for you we need to ask you some questions.

Pre-Approval from natloans.com.au is CASH in HAND bargaining POWER..!

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Applicant 1
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Applicant 2
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Other Income:
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Total Limit in Credit & Store cards
Comments:

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 dependants, the length of time at your current address, your employer’s 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), Further Information Contact National Loan Solutions Pty Ltd ABN 90 106 933 993 Level 1, 3 Chesterville Road, Cheltenham 3192 Do you accept the privacy statement stated above? I accept
I/we have read and understand Frequently Asked Questions	What does NLS 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. NLS 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. NLS 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 and Finance Broking Mandate	Brokers Name: National Loan Solutions Pty Ltd A.B.N. 90 106 933 993 Brokers Address: Level 1, 3 Chesterville Road, Cheltenham, 3192 Borrowers Name: Security Offered: We have accreditation with the following lender’s, this list does not represent a complete list of financiers who may consider an application for finance from the applicant. Subject to the applicant meeting their criteria, we are able to obtain credit from: Listed Funders Funder Address ABN Esanda Finance 20 Smith St, Parramatta NSW 2150 64 004 346 043 Capital Finance 88 Philip St, Parramatta NSW 2150 23 069 663 136 Liberty Financial 535 Bourke St, Melbourne, 3000 55 077 248 983 Macquarie Bank Limited Level 23, 101 Collins Street, Melbourne, 3000 46 008 583 542 GMAC Financial Services Level 6, 484 St Kilda Road, Melbourne, 3001 63 007 480 382 Easy Loans Australia Level 10, 89 York Street, Sydney, 2000 11 104 759 177 Express Fund PO Box 270 Collins Street West, Victoria, 8007 11 123 656 477 Macquarie Leasing Level 23, 101 Collins Street, Melbourne, 3000 38 002 674 982 CBFC 530 Bourke Street, Melbourne, 3000 26 008 519 462 Iden Group Suite 2, Level 2, 20 Wentworth Street, Parramatta, 2150 81 095 728 877 Enterprise Finance Solutions Level 10, 131 York Street, Sydney, 2000 63 101 737 204 IAC Rentals Pty Ltd 19B Dulwich Rd, Chatswood, NSW, 2067 51 107 043 23 Circuit Finance PO Box 4229, Geelong, 3220 75 112 117 898 GE Money 572 Swan Street, Richmond, 3121 80 004 187 419 Australian Motor Finance PO Box 312, South Melbourne, 3205 29 088 694 188 Pacific Premium Funding 201 Fitzroy Street, St Kilda, 3182 57 109 849 872 RACV 550 Princess Highway, Noble Park, 3174 82 004 292 291 Centrepoint Alliance Limited 2/6 Thelma Street, Perth, WA, 6005 72 052 507 507 This Mandate to Act (“Mandate”) confirms that Car Loans has been exclusively and irrevocably appointed by the Borrower for the sole purpose of providing its services on a reasonable efforts basis to obtain approval for a finance facility as detailed in the above Schedule on reasonable terms and conditions. The Borrower acknowledges that the finance facility terms contained in the Schedule merely summarise what the Borrower has requested and is not what is necessarily commercially available in the marketplace. Car Loans makes no representation, guarantee or warranty that the finance facility offer procured will match the Borrower’s requested terms. The Borrower and Guarantor authorise Car Loans to give to and receive from potential lenders and their associated entities, advisers or agents any such information about the Security Property, the Borrower, the Guarantor or any other party related to this transaction as is considered necessary or prudent by Car Loans or the lender in their absolute discretion. Car Loans will assess the Borrower’s information and prepare a submission on the Borrower’s behalf to any potential lender and will use all reasonable efforts to procure approval of the finance facility sought. The Borrower acknowledges that the valuation fees, the lender’s establishment fees and any other lender fee or third party fee is payable by the Borrower, or Guarantor in connection with the envisaged finance facility transaction and are unascertainable at the time of signing this document. The Borrower and Guarantor acknowledge that: The intentions of the parties are confined to this document and the Indicative Proposal Letter; The Borrower and Guarantor are jointly and severally liable for any fees incurred by, or payable to Car Loans in relation to this finance facility transaction; The Car Loans Facilitation Fee described is a fee for the procurement of a finance facility offer and is irrevocably payable to Car Loans; The Processing Fee is non-refundable in all circumstances and is payable to Car Loans upon execution of this document; The Processing Fee is payment solely for the retention of Car Loans services rendered and that such services are offered by Car Loans on a “reasonable efforts” basis; The Car Loans Facilitation Fee is due and payable to Car Loans upon presentation of the finance facility letter of offer, and that the Car Loans Facilitation Fee remains due and payable by the Borrower and Guarantor should the Borrower, or Guarantor decide not to proceed for whatever reason after the finance facility letter of offer has been obtained; and g) The Borrower and Guarantor irrevocably grant to Car Loans a charge over the Security Property listed below as security for the fees payable to, or incurred by Car Loans pursuant to this Mandate. The Borrower and Guarantor further consent to Car Loans lodging a caveat over the Security Property in support of its charge and consequential interest in the land. The Borrower acknowledges that Car Loans may in its absolute discretion maintain its caveat until payment of Car Loans fees and disbursements incurred have been paid in full. Benefits to be received by us: We and other intermediaries may earn a financial or other benefit from a person or persons other than you. This financial or other benefit will be an upfront payment of between nil and 12.55% of the net amount financed. The remuneration is subject to amount sought, term / residual balloon values, work detail involved, and nature of goods. The Car Loans facilitation fee is $250.00 for amounts below $10,000 and $500.00 You engage the broker (above named) to arrange the loan described above on your behalf. You understand that we are acting as an independent contractor assisting you to locate a loan. You have been advised to obtain legal and financial advice regarding the suitability of any loan. Date: Borrower Name: Borrower Signed: Have you read the above Finance Broking Mandate? I have read