Responsible Lending

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Our Commitment to Responsible Lending

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Loans & Beyond Pty Ltd is a responsible lender

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Loans & Beyond is committed to responsible lending. We recognize the importance of working with our valued distribution partners to ensure we all play our part in conducting business in an ethical and responsible manner. The following, outlines Stream Lending's approach to responsible lending.

We will:

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ensure compliance with the National Consumer Credit Protection Act and associated regulations, as well as guidance published by ASIC and the Australian Financial Complaints Authority (AFCA);

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ensure brokers seek and verify information about the customer’s requirements and objectives and financial situation; and

ensure that Pepper staff only approve loans that are not unsuitable for a customer.

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Encouraging customers to seek independent advice

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Entering into a credit contract is an important decision. We encourage you to seek independent legal and financial advice as part of your decision making process.

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'Money Smart’ is an initiative from the Australian Securities and Investment Commission (ASIC) which can help you with accessing financial information and free financial tools.