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Credit Guide

Credit Guide 

 

This credit guide is designed to help you in deciding whether to enter into a credit contract with Swift Loans Australia Pty Ltd trading as Zoomi Money (ACN 600 167 084, Australian Credit Licence Number 461533).

 

Please note that we never enter a credit contract with you as we are a lead provider, but in the event that we did, the following would apply.

 

 It contains important information about:  

  • some key obligations we would have before providing credit to you; and  

  • our complaints procedures and how you can access them. 

 

Our Responsible Lending Obligations 

 

We are required by law to ensure that any credit we provide directly to you is not unsuitable. 

 

A credit contract or increase in credit limit will be unsuitable if: 

 

  • it is likely that you will be unable to comply with the financial obligations under the contract, or 

  • could only comply with substantial hardship; and/or 

  • the contract does not meet your requirements or objectives.

 

For the purposes of determining whether the contract will be unsuitable, we will only take into consideration information regarding your financial situation, requirements or objectives, that, at the time of entering the contract we had reason to believe was true. We might also decline your application for other reasons. 

 

To help us to make this assessment we would:  

 

  • make reasonable inquiries about your financial situation and requirements and objectives that we believe are relevant to the credit you are applying for; 

 

  • take reasonable steps to verify your financial information; and 

 

  • use this information to determine whether the credit is unsuitable for you. 

 

Getting a copy of the suitability assessment 

 

You can ask us for a copy of the suitability assessment. We’re required to give you a copy of the assessment without charge within the following timeframes: 

 

  • before you enter the credit contract or increase the credit limit if you ask us to before this time;  

 

  • within seven business days if you ask us within two years of entering into the credit contract or increasing your credit limit;  

 

  • within 21 business days if you ask us more than two years after entering into the credit contract or increasing your credit limit.

 

Important: We do not have to provide you with a copy of the assessment if a credit contract with us is not entered into or the credit limit with us is not increased.

 

What if something goes wrong? 

 

We hope you are delighted with our services, but if you have any complaints you can contact us via our contact details set out below. You should explain the details of your complaint as clearly as you can. You may do this verbally or in writing. We will try to resolve your complaint quickly and fairly.

 

Email: team@swiftloans.com.au

 

Mail: PO Box 87, Hawthorn, Victoria, 3122

 

Where else can you go? 

 

If you are not satisfied with our response or handling of your complaint, you can lodge a complaint with the free, independent external dispute resolution scheme, the Australian Financial Complaints Authority (AFCA). 

 

AFCA’s details are set out below. 

 

Phone: 1800 931 678 Website: afca.org.au 

Email: info@afca.org.au 

Mail: GPO Box 3, Melbourne VIC 3001 

 

The information in this guide was last updated on 18 June 2025 and is subject to change. 

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