At AutoSwift Finance, we are committed to responsible lending. We only offer credit where we reasonably believe the loan is suitable for your needs and that you can meet your repayments without substantial hardship.
- Our promise
● We only offer loans that suit your needs and capacity.
● We verify identity, income and expenses before approving credit.
● We disclose total cost, fees and repayment terms clearly.
● We treat customers fairly, including those in vulnerability or hardship.
- How we assess applications
Before approving a loan, we:
● Verify your identity and eligibility
● Review your income and financial position
● Consider your existing commitments
● Check relevant credit information
● For secured loans, confirm ownership and security details
We assess each application carefully and may request supporting documentation to ensure we make an informed decision.
If we are unable to approve your application, we will let you know and provide information about the next steps available to you.
- Supporting customers
Tell us if you're in financial difficulty or have special needs. We will prioritise hardship cases, offer reasonable adjustments, and discuss temporary repayment options.
- Fees & disclosure
We disclose: loan amount, repayment schedule, total cost (interest + fees), establishment/PPSR/dishonour fees, and any early-repayment terms. No hidden charges.
- Governance & training
Our team is trained in responsible lending and customer care. We maintain internal processes to support fair and compliant decision-making.
- Disagree with our decision?
If you disagree with a decision or would like a review, you can contact us through our Complaints & Feedback page. If a matter remains unresolved, you may escalate it to the Australian Financial Complaints Authority (AFCA), an independent external dispute resolution scheme.