Legal
Credit Guide
The short version
We arrange finance. We are not the lender.
We find and compare loans from our lender panel and help you apply. A financier makes the final credit decision.
We show you how we get paid.
Commission from a financier, and any fee we quote you before we start. Our fee is payable only if your loan settles.
If something goes wrong, tell us.
Our complaints process costs nothing, and AFCA is free too. You do not need to use the word complaint.
Scope and how this applies
Noddle arranges personal loans, consumer asset finance and commercial or business-purpose asset finance. We do not provide credit assistance for credit contracts secured by a mortgage over residential property.
Noddle Pty Ltd is licensed to engage in credit activities under the National Consumer Credit Protection Act 2009 (NCCP Act). Noddle is a member of the Jacaranda Finance Group.
When the NCCP Act applies
The consumer protections described in this guide apply to regulated consumer credit. Generally, this is credit provided wholly or predominantly for personal, domestic or household purposes, or for residential investment purposes. Commercial and business-purpose finance is generally not regulated by the NCCP Act.
The responsible-lending obligations in section 3, the quote and proposal-document requirements in section 5, and the right to a preliminary assessment therefore do not apply to unregulated commercial finance. We will tell you whether your proposed finance is being arranged as regulated consumer credit or as commercial finance before an application is submitted.
Mortgage-broker best interests duty
Noddle does not provide mortgage credit assistance. The mortgage-broker best interests duty is therefore not the standard governing the services described in this guide. Noddle remains subject to its licensing, general conduct, responsible-lending, disclosure and conflict-management obligations that apply to the relevant credit activity.
1. Key information
| Full name | Noddle Pty Ltd · ACN 643 806 759 |
|---|---|
| Trading name | Noddle |
| ABN | 63 643 806 759 |
| Office | 1/339 Coronation Drive, Milton QLD 4064 |
| Phone | 1300 168 250 |
| Email / website | hello@noddle.com.au · noddle.com.au |
| Australian Credit Licence | 526746 |
| FBAA / AFCA membership | FBAA 362825 · AFCA 81857 |
| Internal complaints | Josh Wessels, Internal Complaints Officer 1/339 Coronation Drive, Milton QLD 4064 joshw@noddle.com.au · 1300 168 250 |
| External dispute resolution | Australian Financial Complaints Authority (AFCA) www.afca.org.au · info@afca.org.au · 1800 931 678 GPO Box 3, Melbourne VIC 3001 |
2. Services we provide
We obtain information about your requirements, objectives and circumstances, then consider products available from our lender panel. Where we provide regulated credit assistance, we may suggest or assist you to apply for a credit contract or consumer lease that we assess as not unsuitable. We can also assist with the application process.
We do not assess every product in the market. Our recommendation is limited to products available through our panel and depends on the information you provide and lender criteria. We do not guarantee approval, the lowest rate or the lowest total cost. A financier makes the final credit decision.
Principal credit providers
At the issue date, and based on Noddle’s reasonable expectation of new-business volumes, the six credit providers with whom Noddle reasonably believes it will conduct the most credit-assistance business are:
- Wisr
- Money3
- MoneyMe
- MoneyPlace
- Plenti
- Latitude
The panel and the relative volume of business may change. We may use another panel financier where its product is appropriate to your stated requirements and objectives. We will identify the proposed financier before you proceed.
3. Responsible lending obligations
For regulated consumer credit, we must assess whether the credit contract, proposed increase or consumer lease is not unsuitable for you. We must not suggest that you apply for, or assist you to apply for, a contract or lease if it is unsuitable.
To make the assessment, we must:
- make reasonable enquiries about your requirements and objectives;
- make reasonable enquiries about your financial situation; and
- take reasonable steps to verify your financial situation.
Please give us complete, accurate and current information. If we cannot obtain the information needed for the assessment, we may be unable to provide credit assistance.
Credit is unsuitable if, at the time of assessment, it is likely that you will be unable to comply with your financial obligations, could comply only with substantial hardship, or the credit will not meet your requirements and objectives. If you could comply only by selling your principal place of residence, substantial hardship is presumed unless the contrary is proved.
In plain words
Before we suggest a loan, we have to check it actually fits your life: what you earn, what you owe, what you need it for. If paying it back would put you in real trouble, we cannot suggest it.
Your right to our preliminary assessment
If we provide credit assistance, you may ask us for a free copy of our written preliminary assessment within seven years after the date of the quote. We will provide it within seven business days if your request is made within two years after the quote date, or within 21 business days if your request is made later. We are not required to provide an assessment if we did not provide credit assistance.
These responsible-lending obligations and assessment rights apply to regulated consumer credit. They do not apply to unregulated commercial or business-purpose finance.
4. Conflicts of interest
We have arrangements to identify and manage actual, potential and perceived conflicts of interest. We will not recommend a product merely because it provides greater remuneration to Noddle, its people or a related company. Where a conflict is relevant to a recommendation, we will disclose it and explain how the recommended product meets your requirements and objectives.
Noddle is not representing that it owes the statutory mortgage-broker best interests duty. That duty is not applicable because Noddle does not provide mortgage credit assistance.
5. Fees and disclosure documents
We may charge you a fee for our services. If we intend to charge a fee for regulated credit assistance, we will give you a quote before providing that assistance. You must accept the quote by signing and dating it, and we will give you a copy of the accepted quote. The quote states the services covered and the maximum amount payable.
At the same time as we provide particular regulated credit assistance, we will give you a Credit Proposal Disclosure Document. It sets out applicable costs, including fees and charges payable by you and a reasonable estimate of relevant indirect remuneration.
Our fee is payable only if your loan or lease settles. A financier may also charge application, valuation, establishment or other fees. We will explain known fees before you proceed. You may ask us how our fees and charges are worked out and for a reasonable estimate.
In plain words
If we are going to charge you anything, you see the maximum amount in writing and sign it before we start. If your loan does not settle, you do not pay us.
6. Commissions and other remuneration
Noddle may receive upfront, trail or other commission from a financier when finance is settled or remains on foot. The type and amount vary between financiers and products. You do not pay these commissions directly, although they may be reflected in the financier’s commercial arrangements. Noddle may share remuneration with its employees, directors, brokers or credit representatives.
You may ask us for a reasonable estimate of the indirect remuneration likely to be received directly or indirectly by Noddle or its people in connection with your proposed finance, and how it is worked out. The Credit Proposal Disclosure Document will include the information required for your particular regulated transaction.
Volume bonus arrangements
As at the issue date, Noddle has no volume bonus arrangement under which additional indirect remuneration increases as the total volume of business Noddle arranges with a financier or other payer increases. If Noddle enters such an arrangement, this guide will be updated to identify the payer and recipient and to explain the arrangement.
7. Payments for referrals
Noddle may pay indirect remuneration to third parties that introduce credit business or business proposed to be financed. Those third parties may include call-centre operators, finance brokers, motor dealers or other suppliers, real estate agents, accountants, lawyers and other professional or commercial referrers. The payment is not an additional amount payable by you. On request, we will provide a reasonable estimate of the amount and explain how it is worked out.
8. Related-party disclosure
Noddle Pty Ltd and Jacaranda Finance are related companies within the Jacaranda Finance Group. Jacaranda Finance is a financier on Noddle’s panel. The group may receive an economic benefit if you enter into a Jacaranda Finance loan, in addition to any commission received by Noddle. This creates a potential conflict of interest.
If we recommend Jacaranda Finance, we will disclose the relationship and the relevant conflict, consider available panel alternatives, and document why the recommended product meets your requirements and objectives. Noddle may also receive referrals from, or pay referral remuneration to, related group entities. You may ask us for further information about those arrangements.
9. Other benefits and tiered services
We keep a register of gifts, hospitality and other non-standard benefits received by our brokers. Information from the register that relates to services provided to you is available on request, subject to privacy and confidentiality obligations.
A financier may provide a tiered service benefit, such as priority access to a credit analyst or faster application processing. A tiered service benefit does not guarantee approval. If a relevant arrangement could influence our recommendation, we will disclose it to you.
10. Our internal dispute resolution process
If something has gone wrong, please tell us so we can address it. You may complain to the person assisting you or directly to our Internal Complaints Officer using the details in section 1. You may complain in person, by phone, email or writing, in whatever way is easiest. You do not need to use the word “complaint”. A family member, financial counsellor, lawyer or other representative may complain on your behalf. Our complaints process is free. Tell us if you need an interpreter or other assistance.
We will acknowledge your complaint promptly and, where practicable, within one business day. We will investigate it fairly and give you a written Internal Dispute Resolution response:
| 21 calendar days | For a complaint about a hardship notice or default notice. |
|---|---|
| 30 calendar days | For any other complaint. |
If we cannot respond within the applicable timeframe because the complaint is particularly complex or because of circumstances beyond our control, we will write to you before the deadline, explain the delay, tell you when to expect a response and give you AFCA’s contact details.
11. External dispute resolution
You may contact the Australian Financial Complaints Authority (AFCA), an independent and free external dispute resolution scheme. AFCA may allow us an opportunity to complete our internal process before it investigates. AFCA’s contact details are in section 1.
AFCA applies time limits to complaints. It will tell you whether it can consider your complaint. If AFCA makes a determination and you accept it, the determination is binding on Noddle.
12. Things you should know
We do not promise the present or future value of any asset you finance. You should make your own enquiries. We provide credit assistance, but we do not provide legal, taxation or financial-product advice. You should obtain independent professional advice if you do not understand your legal obligations or the consequences of a proposed transaction.
13. If you are having trouble paying
If you have difficulty making repayments under a regulated consumer credit contract, you may give your credit provider a hardship notice and ask for a change to the contract. You can do this by phone or in writing. Asking for hardship assistance is free, and we can help you contact your financier.
Free financial counselling
National Debt Helpline · 1800 007 007 · ndh.org.au
14. Your privacy
To arrange finance, we collect, use and disclose personal information, including credit information. We do so as described in our Privacy Policy and any privacy consent you provide, and as otherwise permitted or required by law. This may include disclosure to proposed financiers, service providers, credit reporting bodies, referrers and related Jacaranda Finance Group entities where relevant and authorised.
Our Privacy Policy explains the information we collect, how we use and disclose it, how you may access or correct it, and how to make a privacy complaint. It is available at noddle.com.au or on request. This credit guide is not a substitute for any privacy notice or consent required for your application.
15. About this guide
This guide is information about Noddle’s credit services. It is not an offer of credit and does not commit any financier to provide finance. You are not required to accept a recommendation or proceed with an application. This guide is current at 31 July 2026. The current version is available from Noddle on request and at noddle.com.au.
16. Questions
If you have questions about this guide, our services, fees, remuneration, a recommendation or your application, contact us using the details in section 1.
| Contact | 1/339 Coronation Drive, Milton QLD 4064 1300 168 250 hello@noddle.com.au |
|---|---|
| Complaints | Josh Wessels, Internal Complaints Officer joshw@noddle.com.au AFCA 1800 931 678 · www.afca.org.au |
| Memberships | FBAA 362825 AFCA 81857 Jacaranda Finance Group |
Credit Guide · Version 1 · 31 July 2026. We work for you, not the lender.