Credit Representatives in Springvale, VIC
Compare registered credit representatives in Springvale, Victoria. All listings sourced from the ASIC Credit Representative Register.
Licensee structure and supervision
Credit representatives in Springvale, Victoria operate under the Australian Credit Licence (ACL) of a parent licensee. They are permitted to engage in 'credit activities' — arranging loans, advising on credit contracts, or acting as intermediaries — but only within the scope authorised by the licensee. Both the representative and the licensee must be listed on ASIC's Credit Register. Licensees are responsible for compliance training, complaints handling, and external dispute resolution membership through AFCA. The representative's authorisation can be checked at MoneySmart's professional registers tool — confirm that the rep number matches and the licensee shown is current.
Quang, Khanh Ngoc
Springvale Mortgage Centre Pty Ltd
Lai, Quoc Bieu
Prime Loan Brokers Pty Ltd
Samarawickrama, Hiran Sujeewa
Dr Cobb Pty Ltd
First Stop Capital Pty Ltd
Le, Le To
Edirisinghe, Hasalaka Bandara
Hba Global Pty Ltd
Reid, Karen
Eeveelutions Finance Pty Ltd
Phan, Hang Nga
Tang, Sylvie
Adapt-A-Lift Group Pty Ltd
Dias, Jayalath
Hjorring, Jason Sapatu
L.M.J 867 Pty Ltd
Tran, Lisa Trinh
O'Keeffe, Richard
Easy Numbers Pty Ltd
Gao, Ji Bin
Gojo Finance Pty Ltd
Gold Finance Group Pty Ltd
Goriah, Emily
Hoang, Kim
John, Jomy
New Avenue Consulting Pty Ltd
Phan, Hang Nga
Singh, Rajinder
Chhaing, Sopheak
Wang, Hao
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 Springvale, 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.