Credit Guide
Important information about our credit services and your rights as a consumer
This Credit Guide provides important information about Tofu Finance and how we can assist you with credit services.
Last updated: October 2025
About Tofu Finance
Tofu Finance operates as a credit representative and is authorised to engage in credit activities on behalf of our licensee.
Credit Representative Number: 549574
Australian Credit Licence: 377294
ABN: 37 451 835 363
Address: 14 Lambert Ct, Taylors Hill VIC 3037
Phone: 1300 177 521
Email: finance@tofuauto.com.au
Services We Provide
As a credit representative, we provide credit assistance services including:
- •Suggesting you apply for a particular credit contract with a lender
- •Suggesting you apply for an increase to your credit limit
- •Assisting you with completing a credit application
- •Providing information about credit products and services
We specialize in asset finance for vehicles, boats, motorcycles, and equipment.
How We Are Paid
We receive commissions from lenders when we arrange finance for our clients. The commission varies depending on the lender and the type of finance arranged.
We may also charge fees for our services. Any fees will be disclosed to you before you proceed with your application.
Important: You can request more information about the commissions and fees we receive. We will provide this information to you if requested.
Your Obligations
When applying for credit, you must:
- •Provide accurate and complete information
- •Make loan repayments on time
- •Notify the lender if you experience financial difficulty
- •Read and understand your loan contract before signing
- •Tell us about any changes to your circumstances
Your Privacy
We are committed to protecting your privacy. We collect personal information from you to assess your credit application and provide our services.
Your information may be disclosed to:
- •Lenders and credit providers
- •Credit reporting bodies
- •Our service providers and contractors
- •Other parties as required by law
For more information, please review our .
Complaints and Disputes
If you have a complaint about our services, please contact us first:
Phone: 1300 177 521
Email: finance@tofuauto.com.au
We will investigate your complaint and respond within 30 days.
If you are not satisfied with our response, you can contact the Australian Financial Complaints Authority (AFCA):
Phone: 1800 931 678
Email: info@afca.org.au
Website: www.afca.org.au
Mail: GPO Box 3, Melbourne VIC 3001
Important Information
Credit Checks
When you apply for credit, lenders will conduct a credit check. This may affect your credit score. Multiple applications in a short period may negatively impact your credit rating.
Responsible Lending
We are committed to responsible lending practices. All credit is subject to lender approval and responsible lending criteria. For more information, see our .
Independent Advice
We recommend you consider obtaining independent legal and financial advice before entering into any credit contract.
Questions?
If you have any questions about this Credit Guide or need further information about our services, please don't hesitate to contact us.