Statement of Authorisation

Scope of Authorisation

As an authorised credit representative of Australian Credit licence No.  389527, Gosh Group Pty Ltd T/As Loan Time and its employees are authorised to engage in the following types of credit activities under the National Consumer Credit Protection Act 2009 (NCCP Act): 

• Providing Credit Assistance.

Assisting consumers in applying for, varying, or remaining in credit contracts or consumer leases with credit providers or lessors. 

• Acting as an Intermediary

Acting as an intermediary between consumers and credit providers to facilitate the application, variation, or ongoing management of credit contracts. 

• Credit Assessment and Recommendation

Conducting assessments to determine the suitability of credit products for consumers based on their financial situation, needs, and objectives.

Providing recommendations on credit products that meet the consumer’s requirements and are not unsuitable. 

• Referring Consumers to Credit Providers

Referring consumers to credit providers with whom we have agreements in place and assisting them in understanding and completing the required documentation. 

• Providing Information and Advice

Offering information and general advice about credit products, features, and options available in the market.

Specific Authorised Activities 

• Personal Loans
• Assisting with personal loan applications, including unsecured and secured personal loans.
• Car and Asset Finance
• Facilitating applications for car loans and other asset finance products, including novated leases and chattel mortgages.
• Consumer Leases
• Assisting with consumer lease agreements, ensuring compliance with consumer protection regulations.