Credit Guide

RFinance is a trading name of Robert Moses Pty Ltd (ABN 67 660 820 315), Credit Representative 543607, and Robert Moses (Credit Representative 528754), authorised under Australian Credit Licence 389087 held by Australian Finance Group Ltd.

Our legal entity is Robert Moses Pty Ltd, trading as RFinance (registered business name 'RFinance Group'), ABN 67 660 820 315.

Our licensee is Australian Finance Group Ltd, Australian Credit Licence 389087. Our Credit Representatives are Robert Moses Pty Ltd (543607) and Robert John Moses (528754).

We work with you to understand your needs, objectives and financial circumstances. As part of our responsible lending obligations, we make reasonable enquiries, verify relevant information and carry out a preliminary assessment that a proposed credit contract is not unsuitable for you. We compare options available through our lender panel and assist with arranging credit, subject to the lender's own assessment.

We compare loans from our lender panel, not every loan in the market. A list of the lenders we most commonly use is available on request.

We receive commissions from lenders, including upfront and trail commissions. These are paid to our licensee and passed to us. Relevant commission information will be disclosed as part of the credit assistance process.

There is no fee to you unless agreed in writing beforehand. We may receive non-monetary benefits or referral fees, which will be disclosed where applicable.

Our internal dispute resolution process starts with contacting us. We aim to respond to complaints within 30 days. If we cannot resolve your complaint, you can refer it to AFCA.

Contact Robert first on 0402 698 222 or robert@rfinance.au.

If unresolved, contact the Australian Financial Complaints Authority (AFCA), an independent external dispute resolution service: www.afca.org.au, 1800 931 678, or info@afca.org.au. Postal address: GPO Box 3, Melbourne VIC 3001.