Credit Representatives in Apollo Bay, VIC
Compare registered credit representatives in Apollo Bay, Victoria. All listings sourced from the ASIC Credit Representative Register.
Process and consumer protections
Credit representatives in Apollo Bay, Victoria follow the same NCCP process as full ACL holders: assessment of suitability, disclosure of fees and commissions, and provision of a Credit Guide before any application. The Best Interests Duty applies if the representative is acting as a mortgage broker. For non-mortgage credit (personal loans, asset finance, equipment leasing) suitability assessments are still required but the Best Interests Duty does not apply. Any commission paid by the lender must be disclosed. AFCA is the external dispute resolution body, and it is free for consumers.
Apollo Bay & District Community Enterprises Limited
Byng, Bronwyn
Di Cecco, Joanne
Wilson, Luke
Nestor, Lance
Nearby Credit Representatives
Frequently asked questions
What's the difference between a credit licensee and a credit representative?
An Australian Credit Licence (ACL) holder operates independently under their own licence. A credit representative is authorised by an ACL holder (the licensee) to provide credit services on the licensee's behalf. Both arrangements are regulated by ASIC under the NCCP Act and must appear on ASIC's Credit Register.
How do I verify a credit representative is authorised?
ASIC's Credit Register at moneysmart.gov.au lists every authorised credit representative in Australia, including those operating in Apollo Bay, Victoria. Each entry shows the representative's number, the licensee they are authorised under, and the scope of credit activities they are permitted to provide. Always confirm before signing any document.
What protections do I have when dealing with a credit representative?
Consumer protections under the NCCP Act apply equally to credit representatives and to licensees: a Credit Guide before any application, disclosure of all fees and commissions, a suitability assessment of the credit product, and access to AFCA for unresolved complaints — all at no cost to you.
Can a credit representative arrange any type of loan?
No. Each credit representative is authorised for specific credit activities by their licensee — typically residential mortgages, commercial finance, leasing, or a combination. The authorisation scope is shown on the ASIC Credit Register entry. Ask about the scope before engaging if you need a specific loan type.