Terms and conditions

Updated 19th July 2020

The information on this website inclusive of articles, guides, blog posts, questions and answers, should not be considered as constituting credit advice or assistance. The tools and calculators provided (and the results that they give) are solely illustrative and should also not be taken as constituting credit advice or assistance.

Finty does not provide credit, credit assistance for consumers in obtaining credit, nor does it provide credit advice for consumers to apply for any product in particular or from a certain bank. If you decide to apply for a product you should be aware that you will be dealing with the credit provider and not Finty. If you need personal finance advice based on your personal circumstances you should seek independent advice from a qualified financial advisor. Finty is not a substitute for a qualified financial advice.

Even if you meet the minimum criteria of a credit product, such information is intended only to be a guide. Applications may still be rejected by a credit provider (bank) even if you can answer yes to all the minimum criteria. The final decision regarding any application for a credit product is solely with the relevant credit provider and subject to their credit criteria and approval process.

Personal credit reports are provided to Finty, on request, by an external service provider. To obtain a personal credit report certain personal information provided by you needs to be shared with the service provider. The information in a personal credit report:

  • is solely illustrative and should also not be taken as constituting credit advice or assistance; and
  • may not satisfy a credit provider’s approval process.

We will not accept:

  • responsibility for acts or omissions of our service providers that may adversely affect you;
  • any liability for any indirect or consequential losses you may suffer by using our services; and/or
  • any liability exceeding $25.00 for direct losses you may suffer by using our services.

Product listings

We are normally made aware of changes to product information and make every effort to ensure that the information on this website is updated accordingly. However, some changes may occur without us being notified and the information is presented without warranty. Ensure you check any information or the results of using any tool on this website if you intend to rely on them. If you find any error or omission in relation to the information on this website or an error in the completeness or correctness of the results of tools used, then we would appreciate your prompt feedback so that we can fix it and improve our services.

Please also note that the range of products listed on this website include many from major banks, smaller banks, mutuals, building societies, credit unions and include products made available from advertisers. This website may not include all of the products on the market in Australia.

Product information displayed on the website comes from a variety of sources, including directly from the financial institutions and from our own research. Editorial standards apply to copy written by Finty for products listed in comparison tables. We make every reasonable effort to ensure that product information, published on this site, that is not supplied to us directly by advertisers, is accurate.

We cannot guarantee the accuracy of information provide to us by external service providers, such as personal credit reports.

How it works

As a visitor you will decide what Finty services interest you. This website provides various ‘click through’ links to our services. Before deciding to click through to a service, you should read applicable terms and conditions for the service that interests you.

You should always read the small print on the application before you apply.

Finty is an affiliate of the banks and financial service providers listed on this website. As such we receive a commission from each financial service provider when credit cards are self-selected by consumers as a result of the outbound links on our website to the application form on the provider’s website.

You must always carefully read the terms and conditions on the application form found on the provider’s website before you apply for any product including details of interest rates and other charges. In the event that you decide to apply for a product selected via the provider’s website, the full documentation and other relevant details will be sent to you by the provider and not by Finty. It is the provider’s responsibility to supply all the relevant documentation to you and we do not accept any responsibility for arrangements you may enter into with a provider.

Sponsorships and advertising

We do include advertising on our website which we describe on the site as "Ad", “Promoted”, "Promotion" or shown in the form of standard graphical display banner advertising.

Products from advertisers that are sponsored on this site are labelled as "Ad", “Promoted” or "Promotion". Generally, these are products located outside of comparison tables and are labelled "Ad", “Promoted” or "Promotion" with direct links to the relevant and specific page of the advertiser’s website. If any superscriptions are used in a promoted placement, the corresponding explanations will be given on the landing page of the advertiser’s website.

How comparison tables work

The use of terms such as “Best” and "Top" are not product ratings and are indicating a product selection that is in no particular order. Such products do not reflect detailed analysis of a product's competitiveness and must not be construed as such by users of this website. The use of these terms for products may not apply in relation to your personal circumstances.

"Instant approval" and "60 second response"

When we talk about "instant approval" or "60 second response" on this website, we are saying that when a consumer applies for a product, the provider may give a conditional approval decision as soon as the application has been completed. As with any contract where credit is involved, the usual processes are followed and all the normal checks are completed. Approval will be confirmed or rejected by the provider based on these checks.

It is most important for you to understand that when the green ‘Application’ button is clicked, you are redirected to the provider’s website to complete the application. It is entirely up to the provider to give the approval decision. We don’t have any control over response times or the decisions a provider may make.

Credit reports

All credit reports provided through this website are compiled by an external service provider. We rely on the information complied by our service providers and do not provide any tangible input other than the medium through which information is exchanged. We do not accept any responsibility for the:

  • information set out in a personal credit report; and/or
  • acts or omissions of our service providers that may adversely affect you.

The report you receive will be highly dependent upon the information you provide and in particular the accuracy of such information. While a report may provide you a useful guide as to how you may be perceived by credit providers, we do not represent or guarantee that a report can be relied upon to procure a decision you may want to obtain from a credit provider.