Credit Guide
This Credit Guide is provided to you under sections 113 and 160 of the National Consumer Credit Protection Act 2009 (NCCP).
About us
CashLift Pty Ltd (ABN 42 000 000 000) is an Authorised Representative (AR 000000) of Bacena Pty Ltd (ABN 00 000 000 000), which holds Australian Credit Licence 421074.
This means Bacena is the licensed credit provider, and CashLift operates the lending platform under Bacena's licence and supervision.
The credit assistance we provide
We provide credit assistance in relation to Small Amount Credit Contracts (SACCs) — unsecured personal loans of between $200 and $2,000, with terms of 4 to 16 weeks.
We do not provide financial advice or recommend products other than our own SACC product.
How we are paid
Bacena receives interest and fees from you under the credit contract you sign. CashLift (as the Authorised Representative operating the platform) is paid a share of that revenue under our commercial arrangement with Bacena.
We do not pay commissions to third-party brokers, referrers, or affiliates. The price you see in the calculator is the price you pay — there is no margin added for intermediaries.
Our obligations to you
Under the NCCP, we must:
- Make reasonable inquiries about your requirements and objectives
- Make reasonable inquiries about your financial situation
- Take reasonable steps to verify your financial situation
- Make a preliminary assessment that the credit contract is not unsuitable for you
- Provide you with this Credit Guide and a written assessment on request
A credit contract is unsuitable for you if, at the time of assessment, it is likely that you would be unable to meet your repayments only with substantial hardship, or the contract does not meet your requirements or objectives.
Dispute resolution
If you have a complaint, contact us first — see Complaints. If you are not satisfied with our response, you have a right to lodge a complaint with the Australian Financial Complaints Authority (AFCA):
- Phone 1800 931 678
- Web afca.org.au
- Email info@afca.org.au
- Mail GPO Box 3, Melbourne VIC 3001
AFCA is a free, independent external dispute resolution scheme.
Professional indemnity
Bacena holds professional indemnity insurance that complies with section 48 of the NCCP.
Updates
We update this Credit Guide from time to time. The current version and effective date are shown at the top of this page. Previous versions are available from privacy@cashlift.com.au on request.