Privacy Consent

CarMoney Oceania Pty Limited (ABN 25 664 118 905), Authorised Credit Representative #547324 of Fintelligence Pty Ltd (ABN 80 625 017 174), Australian Credit Licence # 511803; referred to as “CarMoney”/we/us” will collect, store, disclose and use personal information and credit information that you provide to us in accordance with the terms of this Privacy Consent and our Privacy Policy. You may obtain a copy of our Privacy Policy by contacting us on 1300 13 13 88 or by emailing us at 

By signing this document, you agree we can collect, hold, use and exchange personal and credit information about you for these stated purposes.  The Privacy Policy also contains information on how you can complain about a breach of the privacy laws, how you can access or request to correct your personal and credit information that we hold about you and how to have that information amended.


What is personal information?

Personal information is information or an opinion about an identifiable or reasonably identifiable person.  The personal information we will collect, and hold will include your name, date of birth, gender, telephone number, address, email, employment details and any other information we may need to identify you.


What is credit information?

Credit information is personal information that relates to credit that a person has applied for or has been provided.  The credit information that we will collect from you may include your records of credit that you have applied for (including the name of the credit provider, the type of credit and the amount of credit), default information or any other information that has a bearing on your credit worthiness used to determine your eligibility for credit.  Credit information also include credit reporting information supplied to us by a credit reporting body and any information that we derive from it.

We will collect, hold, disclose and use your personal and credit information to:

  1. assess and verify your identity and financial situation;
  2. assess your credit application, or your suitability as a guarantor to a credit application;
  3. provide such information to a guarantor or related applicant;
  4. exchange your information with a credit reporting body;
  5. disclose your information to credit providers as set out in our ‘Credit Provider Schedule’ to arrange credit;
  6. disclose your information to our aggregation partners as set out in the Aggregation Partners section of this document;
  7. disclose your information to an insurer to arrange insurance you wish to obtain;
  8. obtain from, and disclose to, third-parties such as your employer, landlord, real estate agent, lending institution and guarantor who are deemed as reasonably necessary to arrange finance and/or insurance; and
  9. refer you to other organisations, service providers or business partners or obtain referrals from them to you.

We may not be able to proceed with credit assistance without the ability to collect, hold, disclose and use your personal and credit information.


Identity & financial situation verification

We are required by the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) to collect and use personal and credit information from you in order to identify you.  We are also required by the National Consumer Credit Protection Act 2009 (Cth) to collect credit information and personal information about you and take reasonable steps to verify this, including your financial situation.  This verification may include enquiring via a credit reporting body. 

Authority to make requests

You authorise us to make requests for personal and credit information from credit providers and credit reporting bodies. By signing this Privacy Consent, you consent to the credit providers listed in the schedule to this consent doing any of the following:

  1. where you are the borrower—obtaining information or a report about your commercial activities or commercial credit worthiness for the purpose of assessing your application from any business which provides information about the commercial credit worthiness of persons (this includes a credit reporting body);
  2. where you are the borrower, giving to and obtaining from any credit provider named in your credit application or in a credit report on you issued by a credit reporting agency, information about your credit arrangements for purposes of:
  1. assessing your application for credit;
  2. notifying a default by you;
  3. allowing another credit provider to ascertain the status of your finance arrangements with us where you are in default with one or more other credit providers; and
  4. generally assessing your credit worthiness;
  1. where you are the borrower—disclosing personal and credit information to a person you have nominated to act as guarantor for the purpose of the guarantor considering whether to offer to act as a guarantor or offer property as security for the credit; and
  2. where you are the guarantor—obtaining a report about your credit worthiness from a credit reporting body for the purpose of assessing whether to accept you as a guarantor.

You acknowledge and agree that the information referred to above can include any information about your personal and/or commercial credit worthiness, credit standing, credit history or credit capacity which the Privacy Act 1988 (Cth) allows credit providers to give to or receive from each other.



We will disclose or exchange your personal and credit information to the following persons:

  1. potential credit providers and/or insurers as part of our credit assistance process;
  2. third-parties to verify the details provided are correct, including with your agents, guardians, attorneys and employers;
  3. our related body corporates, assignees, agents, contractors and advisers;
  4. law enforcement, government and regulatory bodies;
  5. any person who refers you to us for credit assistance;
  6. joint applicants and guarantors;
  7. any financial institution to, or from which a payment is made;
  8. debt collection agencies; and
  9. anyone who refers you to us.

We will not disclose your personal and credit information to any overseas recipient.


Credit reporting bodies 

We may exchange personal and credit information with a credit reporting body as detailed below:

  1. disclosure of details such as name, date of birth and address to obtain a credit report on the applicant or guarantor in our capacity as an access seeker in the credit assistance process;
  2. use any information provided by a credit reporting body to assist us in conducting a preliminary assessment of a proposed credit application and its suitability to the applicant; and
  3. request a credit reporting body to provide us with an assessment of whether information provided by the applicant or guarantor matches that in the credit report to verify the identity of applicant and/or guarantor.

Our current credit reporting body is Equifax you can contact them on phone 13 8332 during opening hours of Mon-Fri 8.30am to 6.00pm Eastern Standard Time, or via their website  You can also obtain their Privacy Policy from their website at


Credit providers

We may submit a credit application to credit providers listed in our ‘Credit Provider Schedule’.  If a credit provider holds pertinent credit eligibility information, the credit provider must share this information with us, yourself or someone you have authorised to act on your behalf.  Credit providers may also engage directly with a credit reporting body and you can ascertain the details on this and how they handle personal and credit information via their websites which are listed in our ‘Credit Provider Schedule’.  If your credit application proceeds with a credit provider you may be asked again for your consent to collect, store and use your personal and credit information by this credit provider.





Affordable Car Loans

23 098 491 484 

Allied Credit Pty Ltd

143 964 667 

Angle Finance

603 303 126 

Australian and New Zealand Banking Group Ltd (ANZ)

11 005 357 522 

Australia Motorcycle and Marine Finance

85 603 969 875

Australian Premier Finance

54 104 959 435

Automotive Financial Services Pty Limited

73 003 622 375 

Azora Asset Finance Pty Limited

087 826 159

Bank of Melbourne

33 007 457 141 

Bank of Queensland Limited

32 009 656 740 

Banjo Loans

601 130 527 

Bizcap AU Pty Ltd

633 927 090 

Branded Financial Services

27 004 013 334 

Capital Finance Australia Limited

23 069 663 136 

Car Start Pty Ltd

47 156 477 413

Commercial Equity Group

67 009 509 077

Commonwealth Bank of Australia

48 123 123 124 

Drive Finance

70 078 429 151

Early Pay Ltd

098 952 277

Evergreen Finance Company Pty Ltd

35 126 481 865 

Finance One 

80 139 719 903 

Finance One Commercial Pty Ltd

18 634 900 548 

Firstmac Limited

094 145 963 

flexicommercial Pty Ltd

644 644 860  

FundIT Ltd

601 130 527 

GC Leasing Melbourne Pty Ltd t/as Grenke

75 615 220 196 

Get Capital Pty Ltd t/as Shift Finance

149 390 625 

Greenlight Auto Finance

39 131 507 474

Group & General Finance Pty Ltd

87 000 937 257

Grow Finance Group Pty Ltd

80 613 082 698

International Acceptance Group

93 098 034 041

Ironcapital Group

61 623 379 797

Judo Bank Pty Ltd

11 615 995 581

Latitude Automotive Financial Services

80 004 187 419 

Latitude Personal Finance Pty Ltd

54 008 443 810 


65 539 741 641 

Lumi Finance

75 627 897 625

Macquarie Leasing Pty LtdFinanc

46 008 583 542 

Miracle Car Finance Pty Ltd

73 121 367 226

Medfin Australia Pty Ltd

89 070 811 148

Metro Finance Pty Ltd

44 600 674 093 

MoneyMe Financial Group Pty Ltd t/as Auto Pay

40 163 691 236 

Money Place Assets Pty Ltd

64 601 045 578 

Money 3 Loans Pty Ltd

108 979 406 

Morris Finance Ltd

70 083 630 139


95 164 875 325


12 130 240 443 

National Australia Bank Ltd

12 004 044 937 

On Deck Capital Australia Pty Ltd

603 753 215 

Pepper Money

55 094 317 665 

Plenti RE Limited

571 666 466 35 


47 154 775 667 

Quest Finance Australia Pty Ltdf

17 625 126 641

R.A.C.V Finance Limited

82 004 292 291 

Resimac Asset Finance Pty Limited

93 098 034 041 

Rentfleet Operations Pty Ltd

45 637 141 998 

Scottish Pacific Business Finance Pty Ltd

79 008 636 388 

Secure Funding Pty Ltd (Liberty)

25 081 982 872 

Selfco Leasing

099 591 616 

Silver Chef Rentals Pty Ltd

33 112 241 522 

Society One

151 627 977 

St George Bank

33 007 457 141 

Swoosh Finance (Ausfinancial Pty Ltd)

67 118 176 631 

Thorn Business Finance

63 008 454 439 

Thornmoney Pty Ltd

648 650 711 

TL Rentals Pty Ltd

071 702 264 

Trailblazer Finance

44 624 745 759


True Pillars

603 933 508 

UME Loans

25 138 637 064

United Loan Solutions Pty Ltd t/as Gedda Money

611 343 572 

Vestone Capital Pty Ltd

44 112 079 268

Westpac Banking Corporation

33 007 457 141 

Wingate Consumer Finance (Now Finance)

158 703 612 

VW Financial Services Pty Ltd

20 097 071 460

Wisr Finance Pty Ltd 

119 503 221 


Aggregation partners

We have finance aggregation arrangements with the following entities who assist us in having access to a wide range of credit providers.  We may utilise their systems as part of our credit assistance process and other platforms for potential ongoing client contact.  We may also share your details as part of compliance audits.  

  • Fintelligence Pty Ltd (ABN 80 625 017 174), Australian Credit Licence #511803


Your rights

You have the right to ask:

  1. that we provide you with the personal and credit information we hold about you;
  2. that we correct any personal and credit information we hold about you that is shown to be incorrect;
  3. for copies of our Privacy Policy and this document;
  4. the credit reporting body does not use your personal information for assessment purposes or direct marketing; and
  5. the credit reporting body provides you with a copy of information it holds about you.

To access and/or seek correction of your personal or credit information we hold, or make a complaint about privacy, you can contact us on phone number 1300 001 990, email via, or registered post to Level 1, 162 Grand Boulevard, Joondalup WA 6027.



We would like to contact you from time to time with marketing information about the products and services we provide.  You can opt-out of receiving direct marketing communication from us at any time.  

If you do NOT want to receive marketing information from us, please indicate by phone number 1300 001 990, email via, or registered post to Level 1, 162 Grand Boulevard, Joondalup WA 6027.


Electronic communication

If you provide us with an email address or mobile phone number, you consent for us to use these details to send you, or make available to you, notices and relevant documents, including those from a credit provider or insurer.  You are therefore responsible for maintaining appropriate software, hardware and associated processes to receive, access, review, print and save copies of such documents.  

This consent applies to all types of communication that is permitted by law to occur electronically.  Therefore, paper (hard copy) documents may not be provided to you, unless we are obliged to by law.  You must regularly check advised electronic communication mediums for communication from us.  If your details change, you must promptly notify us.

If you wish to withdraw your consent to electronic communication, please notify us on phone 1300 001 990, email via, or registered post to Level 1, 162 Grand Boulevard, Joondalup WA 6027.



By signing below, as applicant or guarantor, I acknowledge and declare that I have read and understood this Privacy Consent.  I consent to the collection, storage, use and disclosure of my personal information and credit information in accordance with this Privacy Consent.

Applicant 1

Applicant 2





Date signed:

Date signed:

Guarantor 1

Guarantor 2





Date signed:

Date signed: