Terms and Conditions

Application online for a loan does not constitute a loan contract and Industry Finance bears no contractual obligation to you on applying. Finance approvals are entirely at the discretion of Industry Finance. We only provide loans to over-18s.

If you have been approved for a loan, contractual obligations related to UDC Finance, MARAC, Oxford Finance and Auto Finance Direct apply (depending on your package) and can be viewed on our Fees and Rates page.

The interest rates on our website are a general guide, but rates you are given will depend on a variety of factors, including but not limited to: size of the loan, the loan term, frequency of repayments, your income and your credit history. Rates range from 9.95% to 17.95%. Aside from personal loans and debt consolidation, the asset you use finance to purchase will be used as security for the loan.

In accepting our terms and conditions, you also accept the fees Industry Finance charges to administer the loan. A breakdown of our fees is available on our Fees and Rates page. Information about loan defaults, hardship and complaints can also be found on this page.

Our privacy policy also applies. By applying, you authorise us to collect information about you relevant to your loan. You have the right of access to information we collect and request any corrections, as per the Privacy Act. Information will be held at Industry Finance’s offices.