Credit Guide

Cash Smart Pty Ltd Australian Credit Licence: 388992

Applicants, this is your copy to print.

Contact Details:

PO Box 40, Goodna, 4300, QLD.
Phone: 1300 762 731
Fax: 07 3818 0644
Online:  Email:

Complaints and Disputes:

If you have a complaint or dispute with Cash Smart, please use our internal dispute resolution procedure by contacting: “Complaints Officer” using the contact details shown above.

If you are not satisfied with the outcome of our internal dispute resolution process, you may contact our independent external dispute resolution scheme which is:

Australian Financial Complaints Authority (AFCA)
GPO Box 3, Melbourne, VIC 3001.
Online:    Email:
Phone: 1800 931 678 (free call).

Responsible Lending Obligations:

We are required by law to make reasonable inquiries about your requirements and objectives in relation to any credit contract suggested or recommended by us; and about your financial situation. We are also required to take reasonable steps to verify your financial situation, to make a preliminary assessment as to whether any credit contract suggested or recommended by us is unsuitable for you, and to not provide you with credit which is unsuitable.

Copy of Suitability Assessment:

If you are given credit and you ask us for a copy of our preliminary assessment of your suitability for a credit contract within 2 years of the date of the “quote for credit assistance” which we provided to you, we must give you a written copy of our preliminary assessment within 7 business days. If you ask after 2 years but within 7 years we must give it to you within 21 business days.