HGC Finance Pty Ltd trading as Club Money Payday Loans, ABN No: 70 007 094 475, HGC Finance Pty Ltd., ABN 70 007 094 475, Australian Credit License 443310 Telephone: (03) 9663 2533

We are required to give you this guide by law. It acknowledges your right to ask us about any assessment we may make, our financial services and where appropriate, the recommendation of using one credit product over another. In the unlikely event you may be dissatisfied with what we do or have done, this guide also provides direction on what you need to do to remedy your dissatisfaction.


Before we can recommend any financial product to you, the law requires that we make an assessment of your current financial situation and objectives to ensure any credit product we may offer meets your needs. To do this, we will make reasonable enquiries and ask you to provide verifiable information directly or, where we deem it appropriate, we may obtain it from others whom we may contact. Some of these steps may be required by law.

Please note we will not allow you to enter into a credit contract or increase a credit limit on any existing credit contract if:

  • it is likely you could not fulfil, or only do so with substantial hardship, your financial obligations to us under the contract; or
  • you could only meet your financial obligations to us by selling your family's main home; or
  • the credit contract will not meet your requirements or objectives; or
  • any regulation under the National Consumer Credit Protection Act 2009 (Cth) prohibits us from doing so.


Should you want a written copy of our assessment, free of any charge, you may ask us to provide it:

  • before you eitherenter into a credit contract or we increase your credit limit on any existing credit contract you may havewith us; or
  • at any time up to seven (7) years from the date you signed the contract or obtained the credit limit increase on a particular credit contract with us.

The law imposes time limits on us giving you this information. We have seven (7) business days from when you make your request to supply it if your enquiry is made within two (2) years of the date you entered into the credit contract, otherwise we have twenty one (21) business days to do so. If we have bought your debt from your original credit provider, we have an additional eight (8) and four (4) days to comply.

Note: - We are not obliged to give you a copy of the assessment where we do not provide you with the credit or increase the credit limit.


Business relationships are built through trust, openness, honesty, integrity, consistency and respect towards others. Sometimes, though, there may be differences of opinion, particularly when things don't quite work out the way you intended when you took out the credit contract. We recognise communication is the key to solving these difficulties and the steps below will assist both of us quickly get our relationship back on track.

Step 1If you are dissatisfied with something we've done, we encourage you to phone us and explain your concern(s). We can usually resolve the matter(s) amicably, without delay.

Step 2 If you're still not happy with our response, you should contact our Internal Dispute Resolution (IDR) Manager, Peter Wallace-Smith by telephoning (03) 9663 2533 as soon as possible. We may ask that you put your complaint in writing to us so that we may investigate it further. You can email it to us on info@clubmoney.com.au.

Step 3 Should you still be dissatisfied after using both of the above steps, you may contact our ASIC-approved External Dispute Resolution (EDR) provider, Credit Ombudsman Service Ltd. You can contact them at no cost by writing to P.O. Box A252, Sydney South NSW 1235 Australia, telephoning 1800 138 422, emailing info@cosl.com.au, or via their website, https://www.cio.org.au/.

Please note that you must have gone through our IDR process first before doing so. If you fail to do so, the matter will be referred back to us to resolve in the first instance.


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!WARNING - Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:

The Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.