Credit Guide

About this guide

This guide explains what you can expect when Smart Route Finance provides credit assistance. Smart Route Finance operates as a credit representative under our aggregator's Australian Credit Licence, ACL 384324 (ACR 155711). Before we provide regulated credit assistance, we will give you the current credit guide containing our credit representative details, remuneration information and formal complaints process.

Our credit assistance

We can help you understand borrowing options, compare suitable products and apply for finance. We are not the lender and cannot guarantee that an application will be approved.

Suitability assessment

Before suggesting that you apply for a credit contract, we make reasonable enquiries about your requirements, objectives and financial situation and take reasonable steps to verify relevant information. We must not suggest or assist with a contract that is unsuitable for you.

Requesting our assessment

You may ask for a free written copy of our preliminary assessment or final assessment within the time permitted by law. Contact us using the details below.

Remuneration and lender panel

If you proceed with finance, Smart Route Finance may receive commission from the lender. The amount and method of calculation relevant to your application will be disclosed before you proceed. We may also pay or receive referral fees where permitted and will disclose applicable arrangements.

Questions and complaints

Contact Smart Route Finance first so we can review your concern: email info@smartroutefinance.com.au or call 1300 307 822. We will provide the current internal and external dispute-resolution details applicable to your engagement.

Last updated: August 2026.