Consumer credit contracts

Consumer credit contracts - overview

This page provides an overview of what a consumer credit contract is and explains the rules and consumer protections that apply to this type of contract.

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Disclosure

This page provides an overview of what disclosure is and why it is important. It explains what disclosure a lender must give a borrower and when.

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Initial disclosure under a consumer credit contract

This fact sheet explains what disclosure lenders must provide at the start of a consumer credit contract and how they must provide it.

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Continuing disclosure under a consumer credit contract

This fact sheet explains what disclosure lenders must provide throughout a consumer credit contract, and when and how they must provide it.

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Guarantee disclosure under a consumer credit contract

This fact sheet explains what disclosure lenders must give to someone guaranteeing a consumer credit contract, and when and how they must provide it.

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Request disclosure under a consumer credit contract

This fact sheet explains what disclosure lenders must provide if asked and when and how they must provide it.

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Variation disclosure under a consumer credit contract

This page explains what disclosure lenders must provide if making changes to a consumer credit contract and when and how they must provide it.

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Interest charges under a consumer credit contract

This page provides an overview of the rules that apply to interest charges under a consumer credit contract. It explains a lender’s obligations when calculating and charging a borrower interest or default interest.

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Payments under a consumer credit contract

This page provides an overview of a lender’s obligations when accepting payments under a consumer credit contract. It also explains when a borrower can make payments, including their right to repay a debt early.

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Fees under a consumer credit contract

This page provides an overview of the types of fees a lender may charge a borrower under a consumer credit contract and the rules that apply.

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Credit-related insurance, extended warranties and repayment waivers

This page provides an overview of credit-related insurance, extended warranties and repayment waivers. It explains a lender's obligations when a borrower buys these services in connection with a consumer credit contract or consumer lease.

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Consumer rights under a consumer credit contract - cancellation

This fact sheet explains when borrowers can cancel a consumer credit contract. It is designed to give both lenders and borrowers an understanding of their rights and obligations.

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Consumer rights under a consumer credit contract - hardship

This fact sheet explains when a borrower may be able to apply for changes to a consumer credit contract because they are facing hardship. It is designed to give both lenders and borrowers an understanding of when a hardship application may be appropriate and what types of changes can be made to a contract.

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Oppressive contracts - protections for borrowers

This fact sheet provides an overview of how borrowers and guarantors are protected from oppression and explains a court's power to deal with oppressive contracts or behaviour.

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What happens if a lender breaches the CCCF Act?

This fact sheet provides an overview of the penalties a lender can face if they breach the Credit Contracts and Consumer Finance Act and explains what remedies are available to borrowers.

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