Credit Guide

Version August 2026. Provided under section 113 of the National Consumer Credit Protection Act 2009 (Cth).

1. Who we are

Credit4U is a trading name of Local Capital Pty Ltd, ABN 79 142 973 279, ACN 142 973 279, holder of Australian Credit Licence 393689.

Contact: enquiries@credit4u.com.au

We are a credit assistance provider. We are not a lender. We do not provide credit and we do not make credit decisions. We help you find and apply for a credit product offered by a third-party lender, and that lender decides whether to approve your application.

2. The credit assistance we provide

Credit assistance means we suggest or help you apply for a particular credit contract with a particular credit provider. In practice we:

• discuss your requirements and objectives for the finance you're seeking
• collect and verify information about your financial situation
• identify credit products and lenders that may suit those requirements
• explain the key features, costs and risks of the options we suggest
• prepare and submit your application to a lender if you decide to proceed
• act as the point of contact through to settlement

We arrange consumer credit (personal loans, debt consolidation, car loans and home loans) and commercial credit (business loans and equipment finance). Some commercial lending is not regulated under the National Credit Act — where that applies to your finance, we will tell you, because it means some consumer protections do not apply.

3. Our assessment obligations

Before we provide credit assistance for a regulated consumer credit contract, we are required to make a preliminary assessment of whether the contract is not unsuitable for you. To do that we must make reasonable inquiries about your requirements and objectives, make reasonable inquiries about your financial situation, and take reasonable steps to verify that financial situation.

A credit contract is unsuitable if, at the time of the assessment, it is likely that you could not comply with the financial obligations without substantial hardship, or the contract would not meet your requirements and objectives.

You may request a copy of our preliminary assessment at no charge. If you ask before we provide the credit assistance, or within two years of that date, we must give it to you within seven business days. If you ask more than two years but less than seven years afterwards, we must give it to you within 21 business days. We only have to provide it if the credit assistance actually proceeded.

4. How we are paid

Commission from lenders. In most cases the lender pays us a commission when your loan settles. It is paid by the lender, not by you, and it does not increase the amount you repay.

Commission is generally calculated as a percentage of the loan amount. As a broad guide, upfront commission across our panel typically falls between 0.4% and 4% of the amount financed, depending on the lender and the product type — commercial and specialist lending sits at the higher end of that range, residential lending at the lower end. Some lenders also pay a trail commission, typically between 0.1% and 0.3% per year on the outstanding balance.

We will tell you the actual amount — or a reasonable estimate of it, and how it is worked out — in the credit proposal disclosure document we give you at the time we provide credit assistance, before you apply.

Referral payments. If someone referred you to us, we may pay them a share of our commission. If we refer you to another party, we may receive a payment. We will disclose any such arrangement that applies to you.

Different lenders pay different amounts. That is a genuine conflict of interest, and we manage it by recommending on the basis of what suits your circumstances, not on what pays us most. If you would like to know what a particular recommendation pays us, ask — we will tell you.

5. Fees you may pay

For standard consumer lending we do not usually charge you a fee. For some complex or commercial matters a broker fee may apply. Where a fee applies, we will tell you the amount in writing before you commit to anything, and it will be set out in the credit quote and credit proposal disclosure document.

Separately, the lender will have its own fees — application, valuation, settlement, ongoing account fees and possibly early repayment costs. These are set by the lender, not by us, and are disclosed in the lender's documents. The comparison rate is designed to capture most of them.

6. Our lender panel

We work with a panel of Australian banks, non-bank lenders and specialist commercial financiers. We do not have access to every lender in the market, and we do not compare every product available in Australia. You are free to approach any lender directly.

You may request a list of the six lenders we have used most in the previous financial year, as a proportion of the total loans we arranged. We will provide it at no charge.

7. Complaints and AFCA

If you are unhappy with anything we have done, please tell us first. Contact us on enquiries@credit4u.com.au or at enquiries@credit4u.com.au. We will acknowledge your complaint promptly and respond within the timeframes required by ASIC's Regulatory Guide 271 — generally 30 calendar days.

If we cannot resolve it to your satisfaction, you can take it free of charge to the Australian Financial Complaints Authority (AFCA), our external dispute resolution scheme:

• Online: afca.org.au
• Phone: 1800 931 678 (free call)
• Email: info@afca.org.au
• Post: GPO Box 3, Melbourne VIC 3001

AFCA's decisions are binding on us, not on you.

Full detail is on our complaints page.

8. Your information

We collect personal and credit information to assess your situation and arrange finance. We handle it in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles and Part IIIA of that Act, which governs credit reporting. Our Privacy Policy explains what we collect, who we disclose it to, how to access or correct it, and how to complain about our handling of it.