Frequently asked questions

If your circumstances have changed recently and you’re unable to manage your loan repayments, we may be able to offer you financial support. We have a number of options available, based on your individual needs.

Check out our financial support page for more details.

If you maintain your payments under the financial support arrangement, this will not affect your credit file.

Please visit our feedback page for more information on how to make a complaint.

Please complete the contact form below and select ‘Request a loan statement’ and we’ll send you your latest statement within 24 hours.

If you’d like a settlement quote to pay off your loan, please complete the contact form below and select ‘Request a payout’ and include in the message the date you’re expecting to repay us, the reason for your request and what the source of your funds are. We’ll send you a settlement figure within 24 hours. Please note that the settlement figure is only valid for 7 days.

Please complete the contact form below and select ‘Update my details’. In the message please include your previous address, phone number or email address and your new address, phone number or email address.

We’re required to speak with the account holder, but you can nominate someone else to handle matters. To do this, please complete, sign and return a Third Party Authority form.

Interest is calculated on your daily loan balance and charged to you on the date of your repayment, which can be on a weekly, fortnightly or monthly basis.

If you’re struggling to meet your loan repayments or think you may miss a payment, get in touch with us at least 5 days before your payment is due so that we can work out a plan that works for you and meets your loan obligations. Give us a call on 1300 549 166 or complete the contact form below and we’ll get in touch with you within 48 hours.

Remember, if you default on your loan payments, you’ll incur default interest and fees. It may also affect your credit rating.

If you’d like help managing your finances, consider getting in touch with the National Debt Helpline by visiting their website or calling 1800 007 007 for free independent and confidential advice. Or for money tips and tools visit Money Smart.

If you think you might need financial support, please check out our financial support page for more information.

Please complete the contact form below, select ‘Request a callback’ and include the details of the missed payment, including the date in the message. We’ll get in touch with you to either process a one-off payment or find an alternative payment arrangement if needed.

If you think you might need financial support, please check out our financial support page for more information.

If you’d like help managing your finances, consider getting in touch with the National Debt Helpline by visiting their website or calling 1800 007 007 for free independent and confidential advice. Or for money tips and tools visit Money Smart.

Please complete the contact form below, select ‘Other’ and include the details of your desired repayment plan in the message, and we’ll give you a call to discuss your options.

Please note there’s a fee to restructure your payments, which is due and payable when the restructure is approved.

Complete our Direct Debit Request form. We need to know about the change at least 5 days before your payment is due for the change to take effect.

Please note, we can’t accept the details of a third party, but we will accept a joint account provided your name is on the account. We ask that both account holders sign the Direct Debit Request form.

We’ll set up a direct debit with you when you take out a loan with us.

If you need to make a one-off payment or extra payments, our bank account details are below. Please use your loan contract number as a reference (the number starting with 318). Please complete the contact form below, select ‘Other’ and include in the message “Additional/one-off payment” and note the amount, date the payment was made and reference used.

Account name: Branded Financial Services
Bank name: Westpac Bank
BSB number: 032010
Account number: 303052

Alternatively, you can pay via Bpay using the following details:

Biller code: 168005
Reference number: Your loan contract number

If you’re able to repay your loan in full before the final payment due date, please complete the contact form below, select ‘Request a payout’ and include in the message the date you expect to complete the repayment and we’ll provide you with a quote.

Please note that repayment quotes are only valid for 7 days and there may be an early termination fee. The fee is calculated based on the type of loan.

As part of our account closure process, we’ll refund any excess payments to your bank account.

Please call us on 1300 549 166 option 1 if you’ve changed your bank account details or you require these funds urgently.

For commercial loans, we can consider a balloon payment based on the age and type of vehicle. For consumer loans, we don’t accept balloon payments or lump sum payments.

You can sell your vehicle before you’ve repaid your loan, but please talk to us first as your car is held by us as security for the term of your loan or lease. If the sale price doesn’t cover your outstanding loan balance with us, you’ll have to pay the difference at the same time. Once you’ve repaid us in full (in cleared funds) we’ll organise the release of the security interest and send you a closure letter.

Our loans are secured against your vehicle. Once you’ve repaid us in full (in cleared funds) we’ll organize to release the security interest.

Please email with the subject line ‘Update My Details’. In the email, include your contract number, address, and a copy of the Certificate of Registration.

Please ask your insurance company to contact us at and we’ll provide them with either a payout letter or vehicle replacement authority as per their request.

You’ll need to keep making your loan payments in the meantime. If there’s an insurance payout, you’ll need to cover any shortfall. If there are excess funds, we’ll contact you to arrange for you to receive that amount.

Please email with the subject line ‘Update my insurance’. Please include:

• Your loan contract number or vehicle registration number (if you have the original plates, unless advised earlier)
• Your updated insurance provider/policy number
• Your policy document.

Branded Financial Services must be noted as an interested party.

If you’re 18 years of age or older you can apply for a loan.

Our turnaround time for loans is typically 24-48 hours once we have all the information required. This includes:

• Application form
• Privacy consent form
• A copy of your driver licence.