Responsible Lending

At GoCash, we are committed to responsible lending practices. We understand that borrowing money is a significant financial decision, and we want to ensure that our customers make informed choices that are suitable for their circumstances.

Our Principles

Our responsible lending practices are guided by the following principles:

• Transparency in all our dealings with customers
• Fair and ethical treatment of all customers
• Thorough assessment of loan suitability
• Clear communication of loan terms and conditions
• Support for customers experiencing financial hardship

Loan Assessment Process

Before approving any loan, we conduct a comprehensive assessment to ensure that the loan is suitable for your needs and that you can comfortably meet the repayments. This assessment includes:

• Verifying your identity
• Assessing your income and expenses
• Reviewing your credit history
• Evaluating your current financial commitments
• Understanding your loan purpose and requirements

Financial Hardship

We understand that circumstances can change, and customers may experience financial difficulties. If you are having trouble meeting your repayments, we encourage you to contact us as soon as possible. We offer hardship assistance options and can work with you to find a solution that suits your situation.

Transparent Fees and Charges

We believe in complete transparency regarding our fees and charges. Before you commit to a loan, we will provide you with a clear breakdown of all costs associated with your loan, including:

• Establishment fees
• Monthly fees
• Any other applicable charges
• Total repayment amount

Regulatory Compliance

We comply with all relevant laws and regulations, including the National Consumer Credit Protection Act 2009 and the responsible lending obligations it contains. We are committed to maintaining the highest standards of regulatory compliance and ethical conduct.

Financial Literacy

We are committed to promoting financial literacy among our customers. We provide resources and information to help you make informed financial decisions and manage your money effectively.

Contact Us

If you have any questions about our responsible lending practices or need assistance with your loan, please contact our customer service team:

Phone: 13 13 11
Email: customercare@gocash.com.au