This guide explains what we do as your finance broker, the lenders we work with, and how we're paid — so there are no surprises.
Blade Finance Pty Ltd (ABN 45 666 879 572) is an Australian finance broker. We act as a Credit Representative (number 548745), authorised under Australian Credit Licence 389328, and operate under the National Consumer Credit Protection Act 2009.
We are a member of the Finance Brokers Association of Australasia (FBAA membership M-354521) and a member of the Australian Financial Complaints Authority (AFCA membership 99069). FBAA membership requires us to adhere to a formal code of conduct and ongoing professional development.
We help you compare and apply for finance across a panel of Australian lenders. This includes car loans, personal loans, equipment finance, business loans, refinancing and related products.
We work with banks, non-bank lenders, and specialist commercial lenders. A full list of lenders is available on request. We are not owned by any lender.
For most consumer finance products, the lender pays us a commission once your loan settles. You don't pay us directly. For more complex commercial deals, a broker fee may apply — we will always disclose any fees to you in writing before you commit.
Because lenders pay different commissions, there's a theoretical risk a broker could favour one over another. We manage this by basing recommendations on your needs, not the commission, and by being transparent about how we're paid.
If you have a concern, contact us first — we take complaints seriously and aim to resolve them quickly. If we can't resolve a complaint to your satisfaction, you can escalate it to the Australian Financial Complaints Authority (AFCA), our external dispute resolution scheme, free of charge:
AFCA · 1800 931 678 · afca.org.au · GPO Box 3, Melbourne VIC 3001 · Our AFCA membership number is 99069.
Questions about how we operate? Have a chat with us.
This is a summary credit guide. A full Credit Guide and any Quote and Proposal documents will be provided as part of any finance application.