Disclosure | Mozcar Asset Finance

1. About This Document

This Credit Guide is provided by Mozcar Asset Finance Pty Ltd (ACN: 682 556 921 / ABN: 17 682 556 921), an Authorised Credit Representative #564636 of AFAS Group Pty Ltd ("Mozcar", "we", "us", "our"). It is required under the National Consumer Credit Protection Act 2009 (Cth) and is designed to help you understand who we are, what services we provide, and your rights as a client.

2. Who We Are

Mozcar Asset Finance is an independent finance brokerage operating across Australia. We are not owned by any bank or lending institution, which means we act exclusively in the interests of our clients. We hold an Australian Credit Licence (ACL) issued by the Australian Securities and Investments Commission (ASIC).

Company Name: Mozcar Asset Finance Pty Ltd
ABN: 17 682 556 921
ACN: 682 556 921
Authorised Credit Representative: #564636 of AFAS Group Pty Ltd
Registered Office: A0047, Suite 535, 1 Queens Road, Melbourne VIC 3004
Mailing Address: PO Box 2124, Oak Park VIC 3046
Contact: info@mozcar.com.au

3. The Services We Provide

Mozcar Asset Finance provides credit assistance services, including:

Asset finance (chattel mortgage, finance lease, operating lease, hire purchase)
Vehicle and leisure finance (car loans, boat finance, caravan and RV finance)
Business lending (invoice finance, debt reconciliation, capital loans, general business loans)

We act as an intermediary between you (the borrower) and credit providers (lenders). We do not ourselves provide credit — we assist you in finding and applying for credit from our panel of lenders.

4. Our Lender Panel

We work with a panel of more than 50 credit providers, including major Australian banks, non-bank lenders, and specialist finance companies. A full list of our panel lenders is available upon request. We are not restricted to recommending products from any single lender, and we compare available options to find a solution appropriate to your circumstances.

5. How We Are Remunerated

We are paid a commission by the credit provider when a loan is settled. This commission is typically calculated as a percentage of the loan amount (origination commission) and/or an ongoing trail commission. The exact commission amount varies by lender and product.

Before you enter into a credit contract, we will provide you with a Credit Proposal Disclosure document detailing the estimated commission we expect to receive. This does not increase the cost of the loan to you.

In some circumstances, referral fees may also be payable to third parties who introduced you to us. We will disclose this if relevant to your application.

6. Our Obligations to You

Under the National Consumer Credit Protection Act 2009 (Cth), we are required to:

Act honestly and fairly in all dealings with you
Not suggest, recommend, or assist you to enter into a credit contract that is unsuitable for your needs and financial situation
Make reasonable enquiries about your requirements, objectives, and financial situation before providing credit assistance
Provide you with this Credit Guide before providing credit assistance

7. Privacy

We collect and handle your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. For full details of how we collect, use, and protect your information, please refer to our Privacy Policy.

8. Resolving a Complaint

Internal Dispute Resolution

If you have a complaint about our services, please contact us in the first instance:

Email: info@mozcar.com.au
Mail: Complaints Officer, Mozcar Asset Finance, PO Box 2124, Oak Park VIC 3046

We will acknowledge your complaint within 2 business days and aim to resolve it within 30 days.

External Dispute Resolution

If we cannot resolve your complaint to your satisfaction, you may refer it to the Australian Financial Complaints Authority (AFCA):

Website: www.afca.org.au
Phone: 1800 931 678 (free call)
Email: info@afca.org.au
Mail: GPO Box 3, Melbourne VIC 3001

AFCA provides a free, independent dispute resolution service for financial services consumers.

9. Contact Us

For any questions relating to this Credit Guide or our services, please contact us by email at info@mozcar.com.au or write to PO Box 2124, Oak Park VIC 3046.

Credit Guide & Disclosure