Non-Bank Lenders in Australia: What They Are, How They Are Regulated, and Who They Suit
Non-bank lending is growing faster than bank lending, and it is smaller than most articles imply. Here is what the RBA actually reports about the sector, the APRA power over non-bank lenders that almost nobody mentions, and the deposit protection rule that catches people out even at the big banks.
The short answer
A non-bank lender does not hold an Australian banking licence and is not an authorised deposit-taking institution, so it cannot take deposits and funds its lending through wholesale capital markets instead. It is regulated by ASIC and must hold a credit licence and comply with Australian credit law, including responsible lending obligations on consumer credit. It is not prudentially supervised by APRA, though APRA does hold a reserve power under Part IIB of the Banking Act 1959 to make rules for non-bank lenders where their lending materially contributes to risks of instability in the financial system. On RBA figures from March 2026, non-bank lenders account for about 6 per cent of financial system assets and their share of total credit remains relatively small, though their lending is growing faster than banks’. Non-bank housing loans in arrears sit a little below 1 per cent, only slightly above the share at banks.
What a non-bank lender actually is
Most Australians start at a major bank out of habit. Non-bank lenders are a legitimate alternative for the right borrower, and the term gets used loosely enough to be worth defining precisely.
A non-bank lender:
- does not hold an Australian banking licence;
- is not an authorised deposit-taking institution, or ADI;
- is therefore not a bank, building society or credit union;
- and sources its own funding rather than taking deposits, lending it out and earning a margin on the difference.
The RBA’s shorthand is the cleanest available: non-bank lenders are lenders that are restricted from offering deposits.
That single structural fact drives everything else on this page. A non-bank lender is not funding your mortgage from the savings of everyday depositors. It raises money in wholesale capital markets, which gives it a different cost base, a different risk profile, a different product set, and different room to move on how it assesses an application.
Many non-bank lenders are also registered financial corporations, which must register with APRA under the Financial Sector (Collection of Data) Act 2001 where they are in the business of borrowing and providing finance and hold more than $50 million in relevant Australian assets. Registration is a data and statistics obligation. APRA is explicit that registered financial corporations differ from the entities it regulates, because they are not subject to its supervisory oversight.
How big the sector actually is
Most guides to this subject, including an earlier version of this one, describe non-bank lenders as funding a large share of Australian mortgages. The published data does not support that framing, and the accurate version is more useful anyway.
In its March 2026 Financial Stability Review, the Reserve Bank reports that non-bank lenders continue to grow as a source of finance but that their share of total credit remains relatively small. Despite strong growth in their lending, non-bank lenders account for about 6 per cent of financial system assets, which the RBA notes limits their systemic importance. Private credit, which is often lumped in with non-bank lending in commentary, accounts for less than 2 per cent of financial system assets.
Non-bank lending is growing faster than bank lending from a small base. Both halves of that sentence matter, and most articles only print the first one.
Why this matters to you as a borrower rather than as an economist: the sector is small enough that you will not stumble across the right non-bank product by browsing, and specialised enough that the fit is either strong or absent. Non-bank lenders are not a general-purpose alternative to a bank. They are a set of specific answers to specific problems, which is why they tend to reach borrowers through brokers rather than through branches.
How they are regulated, and the part most guides get wrong
Banks, building societies and credit unions are all ADIs, supervised by both APRA and ASIC. Non-bank lenders are regulated by ASIC and must comply with Australian credit law, including the responsible lending obligations that apply to consumer credit. They are not prudentially supervised by APRA.
That is where almost every guide stops, and it leaves an inaccurate impression, because it is not true that APRA has no power over non-bank lenders at all.
The reserve power
Part IIB of the Banking Act 1959 is headed “Provisions relating to the non-ADI lenders”. Section 38C provides that where APRA considers that the provision of finance by one or more non-ADI lenders materially contributes to risks of instability in the Australian financial system, and considers it necessary to address those risks, APRA may determine rules in writing to be complied with by all non-ADI lenders, a specified class of them, or one or more specified lenders. Section 38D provides that non-ADI lender rules are revoked after two years. A separate division of the same Part gives APRA a power to issue directions to non-ADI lenders.
So the accurate statement is not that non-bank lenders sit outside APRA. It is that they sit outside APRA’s ongoing prudential supervision, while remaining subject to a reserve power that can be switched on if the sector’s lending starts to matter to financial stability. The power is designed to be used sparingly, which is why the rules expire automatically after two years unless remade.
Two practical consequences follow from the supervisory difference, and both run through the rest of this page. Being outside continuous prudential supervision gives non-bank lenders more room to structure and assess applications differently, which is the source of most of their flexibility. And because they are not deposit-taking institutions, they cannot offer deposit-based products, and money held with them does not carry deposit protection.
One further point worth stating plainly, because it is the one borrowers most often worry about. Where a broker arranges regulated consumer credit for you, Best Interests Duty applies to that credit assistance regardless of whether the lender is a bank or a non-bank. The duty attaches to the broker and the type of credit, not to the type of lender. It does not extend to lending taken predominantly for business purposes, which our guide to the business purpose declaration covers.
Where non-bank lenders help
For the right borrower the advantages are real, and they cluster in four places.
Flexibility on complex files. This is the main event, and it is what the structural difference actually buys. Applications that do not fit a standard bank template, unusual income, portfolio investors, recent credit events, non-standard security, are assessed against the lender’s own credit policy rather than against a template built for the median borrower.
Specialist products. Many non-bank lenders build for a niche rather than for everyone, so you are more likely to find a product designed for your actual circumstances than a general product you have to fit yourself into.
Competitive pricing on some products. Without a branch network to fund, some non-bank lenders price sharply and on particular products can beat the majors. It is not universal, which is exactly why it is worth comparing rather than assuming in either direction.
Process. Many operate primarily online, which can make application and ongoing management efficient, and turnaround times on some products are faster than a bank’s.
The trade-offs, including what the RBA is watching
An honest guide covers the other side, and there is one item here that most do not mention because it was published rather than marketed.
Fewer product features. Because they cannot take deposits, non-bank lenders generally cannot provide offset or transaction accounts, and offer redraw instead. Bundled products such as credit cards and insurance discounts are usually not available either. Covered properly in the next section.
Rates can move differently. Pricing set against wholesale funding costs does not necessarily move in step with the majors, and can move at different times. Worth understanding how a given rate is set and when it can change before you commit to it.
Funding conditions can tighten. This is not theoretical and the RBA documents it. Growth in non-bank lending through to early 2026 was supported by favourable funding conditions in capital markets, and the RBA records that those conditions tightened in March 2026 as market volatility picked up. A lender funded in wholesale markets is exposed to those markets in a way a deposit-funded bank is less so.
Lending standards have eased modestly. The RBA’s March 2026 review reports that liaison suggests there has been some easing in lending standards by non-bank lenders, though to date it appears modest, with the most notable easing reported for property developers, including less stringent presales requirements and some reduced collateral requirements. It also notes this has not led to a substantial deterioration in asset performance to date.
That last pair is worth reading together rather than separately, because it is the honest answer to whether non-bank lenders are safe to borrow from. The available data suggests the share of non-bank housing lending in arrears remains a little below 1 per cent, which is only slightly above the share at banks.
The regulator’s own numbers are more reassuring than the marketing on either side. Non-bank arrears sit a little below 1 per cent, barely above the banks. The story is not risk. It is fit.
Offset, redraw, and the deposit protection rule
Two separate things get conflated here constantly, so they are worth separating.
Offset versus redraw
An offset account is a deposit account. Because a non-bank lender cannot take deposits, it generally cannot offer one, and offers a redraw facility instead. For many borrowers redraw does the same job. The differences that matter are that redraw is money you have already repaid, and access to it is at the lender’s discretion under the loan contract, whereas an offset balance is your own money sitting in an account you control. If an offset is central to how you manage your cash, that is a genuine reason to prefer an ADI. Our guide to offset accounts versus redraw covers the comparison in detail.
The Financial Claims Scheme, and what it actually protects
The Financial Claims Scheme protects deposits up to a limit of $250,000 for each account holder at each bank, building society and credit union. Covered accounts include transaction accounts, savings accounts, cheque accounts, term deposits and mortgage offset accounts where held separately. Foreign currency deposits are not covered.
Non-bank lenders are not ADIs, so money held with them is not covered. That is the point the page you are reading is obliged to make, and it is genuinely the narrower point, because it only matters if you are holding savings with your lender rather than borrowing from it. A loan from a non-bank lender is not made riskier by the absence of the scheme, since the scheme protects depositors, not borrowers.
The larger practical trap sits on the bank side, and almost nobody knows about it. The limit applies per licensed ADI, not per brand. APRA is explicit: the $250,000 limit applies to the total amount of an account holder’s deposits with each licensed ADI, and where several banking brands operate under one banking licence, the limit applies to the total held across all of them. Someone holding $200,000 with one brand and $200,000 with another, believing they are diversified across two institutions, may be covered for $250,000 in total rather than $400,000, if both brands share a licence.
Spreading savings across two bank brands protects nothing if they sit under one banking licence. Check the licence, not the logo.
If deposit protection matters to you, the practical answer is usually a relationship with an ADI for savings and transaction banking alongside whichever lender writes the best loan, rather than choosing your lender to solve a savings problem. APRA publishes the list of ADIs covered by the scheme.
Can you borrow more through a non-bank lender?
Sometimes, and the honest framing is narrower than the marketing.
Non-bank lenders are not subject to APRA’s prudential standards and macroprudential measures in the way ADIs are, which gives them room to assess borrowing capacity against their own credit policy. For investors this can matter. Many experienced investors find that after two or three properties the major banks become reluctant, as serviceability buffers, debt-to-income considerations and portfolio policy combine to cap what is available through traditional channels. A lender operating outside those constraints can sometimes assess the file on its own merits.
The caveat matters at least as much. Capacity to borrow is not the same as capacity to repay, and the constraints that produced the bank’s answer were not invented arbitrarily. A larger loan you cannot comfortably service is a bad outcome regardless of who wrote it, and the borrower carries that risk rather than the lender. The useful question is not whether more is available. It is whether the additional borrowing survives a realistic stress test of your own, at a rate meaningfully above today’s.
Where a broker is providing credit assistance on regulated consumer credit, Best Interests Duty applies to that recommendation, whichever lender it points at. That is a conduct standard rather than a guarantee, and it does not override lender policy or make an unsuitable loan suitable.
Want to know whether a non-bank lender actually suits you?
We compare across non-bank lenders, banks and credit unions, and we will tell you plainly when a bank is the better call. Bring your situation and we will map where the fit lies before anything is submitted anywhere. Our licence is ACL 390611, searchable on ASIC’s professional registers. What we charge you: nothing, on any loan type.
Self-employed borrowers and low doc
One of the clearest use cases. If you are self-employed you will know the frustration of legitimate deductions reducing taxable income on paper while actual cash flow is strong and steady. Low documentation products address that by accepting alternative income evidence, commonly an accountant’s declaration, Business Activity Statements, or business bank statements.
Two honest notes. Low doc does not mean no verification: the lender remains obliged under credit law to make reasonable enquiries and verify that you can repay, and a lender that does not ask is a warning sign rather than a convenience. And low doc products typically price above a standard loan and often require a larger deposit, reflecting the assessment of risk.
For the right borrower it remains a genuine pathway that a standard bank application would not offer. See our low doc loans page for how those applications are put together, and our guide to why banks reject self-employed borrowers for what is usually driving the decline in the first place. If past credit issues are part of the picture, our guide on getting a mortgage with bad credit is the companion.
How to judge one
Since the sector is varied and the fit is either strong or absent, the useful skill is assessing a specific lender rather than the category. Five questions worth asking about any non-bank lender put in front of you.
| Ask | Why it matters |
|---|---|
| Who holds the credit licence, and can I verify it? | Every lender providing regulated consumer credit must be licensed or an authorised representative. It is free to check on ASIC’s professional registers, and the register also shows licence status and any conditions. |
| Are they an AFCA member? | External dispute resolution is your recourse if something goes wrong. Membership is compulsory for licensed providers and verifiable. |
| How is the rate set, and when can it change? | Wholesale-funded pricing may not move in step with the majors. You want to know the mechanism, not just today’s number. |
| Redraw or offset, and on what terms? | If it is redraw, ask whether access is discretionary, whether there are limits or fees, and how quickly funds are released. |
| What happens if the loan is sold or transferred? | Securitised lending can change servicer. Ask what your contract says about it before you need to know. |
The comparison that actually matters is like-for-like against what an ADI would offer you on the same file: the rate, the fees over the term, the features you will genuinely use, and whether the application is likely to be approved at all. A slightly better rate at a lender that cannot give you the structure you need is not a better outcome.
Our guide to vetting a broker covers the register checks in more detail, and the same checks work on a lender.
Read Intellect Finance’s Google reviews
Matching a borrower to the right non-bank lender, or deciding a bank suits them better, is a lot of what a broker does day to day. These are pulled live from our Google Business Profile, real and unedited, and you can check them on Google rather than taking our word for it.
These reviews reflect other borrowers’ experiences. They are not a promise of any particular outcome for your loan, which will always depend on your own circumstances and the lender’s assessment.
Frequently Asked
Non-Bank Lender FAQs
The questions borrowers ask most about non-bank lenders.
What is a non-bank lender?
A lender that does not hold an Australian banking licence and is not an authorised deposit-taking institution, so it is not a bank, building society or credit union. The RBA describes non-bank lenders as lenders that are restricted from offering deposits. Rather than funding loans from customer deposits, a non-bank lender raises money in wholesale capital markets and lends it out. It is regulated by ASIC and must comply with Australian credit law, while banks and other ADIs are supervised by both APRA and ASIC.
Are non-bank lenders safe to borrow from?
They are a regulated part of the market, and the published performance data is reassuring. The RBA’s March 2026 Financial Stability Review reports that the share of non-bank housing lending in arrears remains a little below 1 per cent, only slightly above the share at banks. It also notes some modest easing in lending standards by non-bank lenders, most notably for property developers, which has not led to a substantial deterioration in asset performance to date. The relevant risk for a borrower is fit and pricing, not institutional failure.
Are non-bank lenders regulated by APRA?
Not prudentially supervised, but not entirely outside APRA either, which is the part most guides omit. Part IIB of the Banking Act 1959 allows APRA to make non-ADI lender rules where it considers that the provision of finance by one or more non-ADI lenders materially contributes to risks of instability in the Australian financial system and that rules are necessary to address those risks. Such rules are revoked after two years, and the same Part gives APRA a power to issue directions. Many non-bank lenders are also registered financial corporations that must register with APRA and report data, though APRA states that registered financial corporations are not subject to its supervisory oversight.
How much of the market do non-bank lenders actually have?
Less than most articles suggest. The RBA’s March 2026 Financial Stability Review states that non-bank lenders continue to grow as a source of finance but that their share of total credit remains relatively small, and that despite strong growth they account for about 6 per cent of financial system assets, which limits their systemic importance. Private credit, often conflated with non-bank lending, accounts for less than 2 per cent of financial system assets. Both figures are growing faster than bank lending, from a small base.
Do non-bank lenders offer offset accounts?
Generally not, because an offset account is a deposit account and a non-bank lender cannot take deposits. Most offer a redraw facility instead. Redraw does a similar job for many borrowers, with two differences worth knowing: redraw is money you have already repaid, and access to it is governed by the loan contract rather than being funds sitting in an account you control. If an offset is central to how you manage cash, that is a real reason to prefer an ADI.
Is my money protected if I bank with a non-bank lender?
The Financial Claims Scheme protects deposits up to $250,000 for each account holder at each bank, building society and credit union. Non-bank lenders are not ADIs, so deposits held with them are not covered. Note this protects depositors rather than borrowers: a loan from a non-bank lender is not made riskier by the absence of the scheme. If you hold significant savings, the usual answer is to keep savings and transaction banking with an ADI alongside whichever lender writes the best loan.
Does the $250,000 guarantee apply per bank brand?
No, and this catches people out at the major banks rather than at non-banks. APRA states that the $250,000 limit applies to the total amount of an account holder’s deposits with each licensed ADI, and that where multiple banking brands operate under one banking licence, the limit applies to the total held across all of them. Holding $200,000 with two brands that share a licence may leave you covered for $250,000 in total rather than $400,000. If this matters to you, check which licence each brand sits under, using APRA’s published list.
Can I borrow more through a non-bank lender?
Sometimes. Non-bank lenders are not subject to APRA’s prudential standards in the way ADIs are, so they can assess capacity against their own credit policy, which can help portfolio investors who have hit a ceiling with the majors. The caveat is the important half: capacity to borrow is not capacity to repay, and the borrower carries that risk. Test any additional borrowing against a rate meaningfully above today’s before treating extra capacity as a good outcome.
Are non-bank rates higher or lower than banks?
It varies by product and by borrower, which is why it is worth comparing rather than assuming in either direction. Without a branch network to fund, some non-bank lenders price sharply and on particular products can beat the majors. Specialist and low doc products typically price above a standard bank loan, reflecting the risk being taken. Pricing set against wholesale funding costs may also move at different times and by different amounts from bank pricing, so ask how the rate is set and when it can change.
What happens to my loan if a non-bank lender has funding problems?
Your loan contract continues on its terms. In tighter funding conditions a lender may reprice within the terms of that contract, or a loan may be transferred to another servicer, which is why it is worth asking what your contract says about transfer before you sign rather than afterwards. The RBA records that funding conditions for non-bank lenders were favourable through to early 2026 and tightened in March 2026 as market volatility increased, so this is a live consideration rather than a hypothetical one.
Does Best Interests Duty apply if my broker recommends a non-bank lender?
Yes, where the broker is providing credit assistance on regulated consumer credit. The duty attaches to the broker and to the type of credit, not to the type of lender, so it applies equally to a recommendation of a bank or a non-bank. It is a conduct standard rather than a guarantee of outcome, does not override lender policy, and does not extend to lending taken predominantly for business purposes.
How do I choose between a bank and a non-bank lender?
Compare like-for-like on the same file rather than comparing categories. Look at the rate and how it is set, total fees over the term, the features you will genuinely use rather than the full list, whether an offset matters to you, and above all whether the application is likely to be approved at all. If your file is straightforward and you value offset and bundled products, an ADI often wins. If your income or circumstances are non-standard, or you have hit a ceiling elsewhere, a specialist non-bank lender may be the only workable path.
The bottom line
Non-bank lenders are neither the hero nor the villain of this story. They are a regulated, growing, and still relatively small part of the Australian market that can be sharper on price on some products, materially more flexible on a complex file, and a genuine pathway for self-employed and portfolio-investor borrowers the majors turn away.
Three things are worth carrying away, and each corrects something commonly said about the sector.
The sector is smaller than the marketing implies and growing faster than the banks. About 6 per cent of financial system assets, with a share of total credit the RBA describes as relatively small. That is not a reason to avoid non-bank lenders. It is a reason to expect the fit to be specific rather than general.
They are not outside APRA, only outside its ongoing supervision. Part IIB of the Banking Act gives APRA a reserve power to make rules and issue directions where non-bank lending materially contributes to risks of instability. The distinction matters because “unsupervised” and “unregulated” get used interchangeably and neither is accurate.
The deposit protection point is real but narrower than it sounds, and the bigger trap is at the banks. The Financial Claims Scheme protects depositors, not borrowers, so it says nothing about the safety of a non-bank loan. Meanwhile the $250,000 limit applies per licensed ADI rather than per brand, which quietly undoes a lot of well-intentioned diversification.
The question was never whether non-bank lenders are good or bad. It is whether one is the right fit for your file compared like-for-like against what a bank would offer, and that comparison costs you nothing to run.
Joseph Sukkar
Joseph founded Intellect Finance in Penrith in 2005 and has worked in Australian finance for more than 25 years. The panel spans non-bank lenders, banks and credit unions, which is what makes the comparison on this page an open one rather than a steer. Intellect Finance charges clients no fee on any loan type. More about the team, or see our Sydney mortgage broker page.
Sources
Reserve Bank of Australia, Financial Stability Review March 2026, chapter 3 Resilience of the Australian Financial System, for the description of non-bank lenders as lenders restricted from offering deposits, the statement that their share of total credit remains relatively small, the figure of about 6 per cent of financial system assets and the note that this limits their systemic importance, private credit accounting for less than 2 per cent of financial system assets, the support of favourable capital market funding conditions to early 2026 and their tightening in March 2026, the liaison finding of modest easing in lending standards including less stringent presales and reduced collateral requirements for property developers, and the share of non-bank housing lending in arrears remaining a little below 1 per cent, only slightly above the share at banks. rba.gov.au
Banking Act 1959, Part IIB Provisions relating to the non-ADI lenders, for section 38C allowing APRA to determine rules where it considers that the Part IIB provision of finance by one or more non-ADI lenders materially contributes to risks of instability in the Australian financial system and that rules are necessary to address those risks, the ability to apply rules to all non-ADI lenders, a specified class or specified lenders, section 38D providing that non-ADI lender rules are revoked after two years, and Division 3 concerning APRA’s power to issue directions. legislation.gov.au
APRA, Registered financial corporations, for the registration obligation under the Financial Sector (Collection of Data) Act 2001 for corporations in the business of borrowing money and providing finance above the $50 million threshold, and the statement that registered financial corporations differ from APRA-regulated entities as they are not subject to supervisory oversight. apra.gov.au
APRA, Financial Claims Scheme: Banks, building societies and credit unions, for the protection of deposits up to a limit of $250,000 for each account holder at each bank, building society and credit union, the account types covered including transaction, savings, cheque, term deposit and separately held mortgage offset accounts, and the exclusion of foreign currency deposits. apra.gov.au
APRA, Different banking businesses under one banking licence, for the statement that the Financial Claims Scheme limit of $250,000 applies to the total amount of an account holder’s deposits with each licensed authorised deposit-taking institution, and that where multiple banking brands operate under one banking licence the limit applies to the total held across all of them. apra.gov.au
Important disclosures, general advice warning and licensing
General information only. This article is general information only and does not constitute financial, credit, legal or tax advice. It does not take your personal or financial circumstances into account. Before acting on any information here, consider whether it is appropriate to your objectives, financial situation and needs.
This page names no lenders. Nothing here is a recommendation of, or a comment on, any particular lender, bank or non-bank. Descriptions of what non-bank lenders generally can and cannot offer are generalisations about a varied sector, and individual lenders differ. Whether any particular lender or product suits you depends on your circumstances and on that lender’s current policy, which changes without notice.
About the RBA and APRA material. Figures and findings attributed to the Reserve Bank are drawn from the Financial Stability Review published in March 2026 and describe conditions as assessed at that time. Market conditions, funding conditions, arrears rates and sector shares change, and later reviews may report differently. Regulatory descriptions summarise published guidance and legislation as reviewed on 10 September 2026 and do not set out every provision, exception or threshold. Confirm current positions with the relevant regulator rather than relying on this page.
Deposit protection. The Financial Claims Scheme is administered by APRA and applies to authorised deposit-taking institutions incorporated in Australia. Coverage, limits, eligible account types and the treatment of joint accounts and trusts are as published by APRA, and APRA maintains the authoritative list of covered institutions and of which brands operate under which licence. The scheme protects depositors, not borrowers, and nothing on this page should be read as a statement about the safety of any loan or of any institution. If deposit protection is material to a decision, check APRA’s published list rather than relying on brand names.
Regulatory framework. Non-bank lenders providing regulated consumer credit must hold an Australian credit licence or act as an authorised representative of a licensee, and must comply with Australian credit law including the responsible lending obligations in Chapter 3 of the National Consumer Credit Protection Act 2009. Best Interests Duty applies to mortgage brokers in relation to credit assistance provided on regulated consumer credit, regardless of whether the lender is a bank or a non-bank. It is a conduct standard rather than a guarantee of outcome, does not override lender policy, and does not extend to lending taken predominantly for business purposes. Whether particular credit is regulated depends on the facts.
Lender policies vary and change. Rates, fees, features, maximum ratios, acceptable documentation, redraw terms, transfer provisions and credit policy differ between lenders, are subject to each lender’s own assessment, and change without notice. This page publishes no interest rates. No broker can guarantee loan approval, a particular interest rate, or a timeframe.
What we charge you. Nothing, on any loan type. No arrangement fee for residential, commercial, corporate, asset, SMSF or personal lending, no fee for complex or specialist lending, and no clawback recovery fee if a loan is discharged early. Lenders pay us a commission on settlement, disclosed to you in writing in our Credit Guide before we provide credit assistance. This statement describes Intellect Finance only, and other brokers’ arrangements are set out in their own Credit Guides.
About the reviews shown. The reviews displayed on this page are genuine reviews published by clients on Intellect Finance’s Google Business Profile, shown live via a third-party reviews widget. They reflect those individuals’ own experiences and are not a promise of any particular outcome.
Other professionals. Tax questions to your accountant or a registered tax agent. Loan contracts, security documents and transfer provisions to your solicitor. Self-managed super fund questions require a licensed financial adviser and an SMSF specialist. If you are having difficulty meeting repayments, contact your lender’s hardship team, and free independent help is available from the National Debt Helpline on 1800 007 007.
Intellect Finance Pty Ltd holds Australian Credit Licence 390611 and is a member of the MFAA and AFCA. Lending criteria, fees and terms apply. All applications are subject to lender assessment and approval. Article checked 10 September 2026.
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