Loans Unlimited Total Biz Pty Ltd T/A Loans Unlimited ABN 78 624 937 882 | Australian Credit Licence #506875 Unit 15, 885 Albany Highway, East Victoria Park WA 6101 Phone: 1300 212 200 | Email: [email protected]
Last updated: 14/08/2026
These Terms and Conditions (“Terms”) govern your use of the Loans Unlimited website (loansunlimited.com.au), any related mobile experience, and any service, enquiry, application, or communication (including SMS, email, phone, and webchat) provided by Total Biz Pty Ltd ABN 78 624 937 882, trading as Loans Unlimited, Australian Credit Licence #506875 (“Loans Unlimited,” “we,” “us,” “our”).
By accessing our website, submitting an enquiry, or engaging with any of our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.
These Terms should be read together with our Privacy Policy, which explains how we collect, hold, use, and disclose your personal and credit information. In the event of any inconsistency between these Terms and the Privacy Policy on matters of privacy and data handling, the Privacy Policy prevails.
Loans Unlimited is a credit assistance provider and finance broker. We help clients access car, commercial, leisure, and personal finance products by referring applications to a panel of credit providers listed in our Credit Provider Schedule, and by working with our finance aggregation partner, Fintelligence Pty Ltd (ABN 80 625 017 174, Australian Credit Licence #511803).
We are not a lender. We do not provide credit directly. We provide credit assistance, meaning we help you identify and apply for suitable credit products offered by third-party credit providers. Any credit that is ultimately provided to you is provided by the relevant credit provider under its own terms and conditions, not by Loans Unlimited.
Nothing on our website, in our marketing, in any quote, estimate, or calculator result, or in any communication from us constitutes:
All applications for credit are subject to the credit provider’s own assessment and approval criteria. Approval is not guaranteed. Any calculations, estimates, or indicative figures provided via our website or calculators are based on the information you input, do not take into account all relevant product features, fees, or your full financial circumstances, and must be verified through our formal assessment process before they can be relied upon.
General disclaimer. The information on our website is general in nature and does not take into account your personal financial situation, needs, or objectives. It is not a recommendation to acquire any particular credit product. You should consider seeking your own independent financial or legal advice before making any decision about a credit product. Where a comparison rate or specific rate is advertised elsewhere by us (for example, in a product-specific page or promotional material), that advertisement will include its own applicable warning and terms, which should be read in conjunction with these Terms.
When using our website or engaging our services, you agree that you will:
As part of assessing your application, we (and/or the credit providers we refer you to) may need to obtain a copy of your credit file from a credit reporting body. We aim to match you with an appropriate lender efficiently to help limit the number of credit enquiries recorded against your credit file during the application process. While we take this approach in your interest, we cannot guarantee any particular credit outcome or score impact, as this depends on the credit reporting body’s own methodology and your overall credit history. Full detail on how we collect, use, and disclose your credit information is set out in our Privacy Policy.
Where you submit an enquiry or application and tick the box confirming “It’s fine to contact me about my financial options,” you consent to receiving communications from us electronically, including phone, SMS, email, WhatsApp, or other relevant messaging channels, about your enquiry or application, in accordance with our Privacy Policy. This consent covers transactional and service-related communications about your specific enquiry or application. Where a separate marketing consent checkbox is presented and ticked, we may also send you direct marketing communications not related to an active enquiry or application; this consent can be withdrawn at any time as described below.
Program description. Loans Unlimited’s SMS program sends transactional messages relating to your loan enquiry or application (such as status updates, requests for information, and broker contact confirmations), and, where you have separately opted in, marketing messages about our loan products and services.
Message frequency. Message frequency is limited, generally tied to key updates on your enquiry or application rather than ongoing or frequent contact.
Opt-out instructions. You can opt out of SMS messages at any time by replying STOP to any message we send, provided this keyword is enabled on our messaging platform. If STOP does not process automatically, or for any other assistance, contact us using the details in Section 12 and we will action your request.
Age restriction. Our SMS program is available only to individuals aged 18 years or older. By opting in, you confirm that you are at least 18 years of age.
No sharing for SMS opt-in purposes. Mobile opt-in information collected for the purposes of this SMS program is not shared with or sold to third parties for their own marketing purposes.
Delivery. We do not guarantee the delivery or timeliness of any SMS message. Delivery depends on factors outside our control, including your mobile network operator and device.
Privacy. For information on how we collect, use, and disclose your personal information, including information collected through this SMS program, see our Privacy Policy.
You may opt out of marketing email communications at any time using the unsubscribe mechanism provided in that email, or by contacting us using the details in Section 12. Transactional messages relating to an active enquiry or application you have made with us (such as status updates or requests for information) are not marketing communications and may continue for the purpose of servicing your application even where you have opted out of marketing, unless you ask us to stop contacting you altogether.
All content on our website, including text, graphics, logos, images, calculators, and software, is owned by or licensed to Total Biz Pty Ltd and is protected by Australian copyright and trade mark law. You may view and print content from our website for your own personal, non-commercial use. You must not reproduce, republish, distribute, or create derivative works from our content without our prior written consent.
Our website may contain links to third-party websites, including credit providers, insurers, and other service providers referenced in our Credit Provider Schedule. We do not control and are not responsible for the content, accuracy, or privacy practices of any third-party website. Use of any third-party website is at your own risk and subject to that website’s own terms and privacy policy.
To the maximum extent permitted by law:
Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy that cannot lawfully be excluded under the Australian Consumer Law or the National Consumer Credit Protection Act 2009 (Cth).
If you have a complaint about our services, please contact us first using the details in Section 12 so we can attempt to resolve it directly.
If you are not satisfied with our response, you may lodge a complaint with the Australian Financial Complaints Authority (AFCA), our external dispute resolution scheme:
We may update these Terms from time to time to reflect changes in our services, business practices, or legal and regulatory requirements. The updated Terms will be posted on our website with a revised “last updated” date. Your continued use of our website or services after any update constitutes acceptance of the revised Terms.
Total Biz Pty Ltd T/A Loans Unlimited Unit 15, 885 Albany Highway, East Victoria Park WA 6101 Phone: 1300 212 200 Email: [email protected]
These Terms are governed by the laws of Western Australia, Australia. You submit to the non-exclusive jurisdiction of the courts of Western Australia in relation to any dispute arising from these Terms or your use of our website or services.
