Before You Enquire
A few important things to know before you send us your enquiry.
Who we may be able to help
Your situation doesn’t need to be perfect.
Credit issues, previous declines, self-employment, Centrelink or government payments, mixed income sources or repayment difficulties do not automatically rule you out.
It just means we need to take a closer look at your options.
Who we may not be able to help
BrightCredit may not be the right fit if there doesn’t appear to be a realistic finance pathway based on your overall circumstances.
Some situations simply may not meet a lender’s requirements, even after considering specialist options.
We also can’t guarantee approval, provide finance ourselves, or proceed where a suitable lending option cannot be identified.
How the process works
- Use the form on the next page to tell us about your situation.
- No finance application will be made at this stage and your credit score won’t be affected.
- We’ll review your enquiry and get back to you as soon as possible.
- If there appears to be a realistic way forward, we’ll contact you to discuss the next steps.
- You can then decide whether to move forward.
Ready to get started?
BrightCredit is a fee-for-service finance brokerage.
- Our standard service fees start at $600 for vehicle and personal finance, $1,200 for residential home lending and refinancing, with commercial lending quoted separately.
- If we agree to assist, we’ll provide you with a fee quote before moving forward.
- This does not apply to credit file help enquiries.