SERVICE ONE CREDIT UNION LTD ABN 42 095 848 598 ASFL 240836
PERSONAL / CAR LOAN APPLICATION FORM
Facility Required Loan Purpose Personal Loan Car Loan Loan Amount Repayment Frequency w/f/m Loan Term $ $
years
Car Loan (please complete this section if the loan is for the purchase of a motor vehicle)
Make Registration
Model $ Purchase Price $ Type (eg. sedan, hatch)
Year Deposit/Trade $
Manual / Auto
PERSONAL PARTICULARS OF APPLICANT(S)
APPLICANT 1 Membership No. Title First Name(s) Date of Birth Driver's Licence No. & Expiry Date No. of dependent children Residential Address Postcode Postal Address Postcode Status: Home Owner / Buyer / Renting / Boarding / Other Period at current address Previous Address Postcode Period at previous address Years Period at previous address Years Years Ages Marital Status Surname Male Female APPLICANT 2 Membership No. Title First Name(s) Date of Birth Marital Status Surname Male Female
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Driver's Licence No. & Expiry Date No. of dependent children Ages
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Complete if information differs to that of Applicant 1 Residential Address Postcode Postal Address Postcode Status: Home Owner / Buyer / Renting / Boarding / Other Period at current address Previous Address Postcode Years
Status: Home Owner / Buyer / Renting / Boarding / Other Home Phone No. Work Contact No. ( ( ) ) )
Status: Home Owner / Buyer / Renting / Boarding / Other Home Phone No. Work Contact No. ( ( ) ) )
Mobile Contact No. ( Email
Mobile Contact No. ( Email
ADDITIONAL CONTACT
(Details of closest relative or friend in Australia NOT living with you) Title Address Home No. ( ) Work No. ( ) Relationship Surname First Name(s) Postcode
EMPLOYMENT DETAILS
APPLICANT 1 Occupation Status: Full Time / Part Time / Casual / Self Employed / Retired / Unemployed Current Employer APPLICANT 2 Occupation Status: Full Time / Part Time / Casual / Self Employed / Retired / Unemployed Current Employer
Employer's Address
Employer's Address
Phone No. (
)
Length
Years
Phone No. (
)
Length
Years
If less than 3 years in current position Previous Employer Phone No. ( ) Length Years
If less than 3 years in current position Previous Employer Phone No. ( ) Length Years
INCOME DETAILS (supporting evidence required)
APPLICANT 1 Net (Weekly / Fortnightly / Monthly) $ $ $ $ APPLICANT 2 Net Other Income (Weekly / Fortnightly / Monthly) Source Source TOTAL NET INCOME $ $ $ $
Other Income Source Source TOTAL NET INCOME
ASSETS AND LIABILITIES
Home Owned Property Value $ Mortgaged to Motor Vehicle Details Make & Model Year $ $ $ Other Real Estate (if more than one attach on a separate piece of paper) Property Value $ Address Mortgaged to Other Assets Description e.g. furniture etc Insured With $ $ $ $ $ $ Approximate Value Insured with Loan Amount Outstanding $ Repayment $ Amount Rent received $ per week / fortnight / month per week / fortnight / month Value Financed With $ $ $ Amount Outstanding $ $ $ Insured With Repayment Amount $ $ $ Frequency To be paid out (W/F/M) with this loan Yes / No
Yes / No Yes / No
Loan Amount $ Outstanding Insured with
Repayment $ Amount
per week / fortnight / month
ASSETS AND LIABILITIES (cont)
Savings and Term Deposits Financial Institution Branch Account Type $ $ $ $ $ $ Shares Company No. of Shares $ $ $ Rent or Board
Amount
Amount
Estimated Value
$
per week / fortnight / month
Paid to:
Name Address
Phone No:
Phone No. Repayment Frequency Amount (W/F/M) To be paid out with this loan Yes / No Yes / No Yes / No Yes / No Yes / No To be paid out with this loan Yes / No Yes / No Yes / No Yes / No Yes / No
Other Loans (including credit and store accounts)
Credit Provider Credit Limit Balance
$$ $$ $$ $$ $$ Other Commitments
Description
$$ $$ $$ $$ $$
$$ $$ $$ $$ $$
Repayment Frequency Amount (W/F/M)
$$ $$ $$ $$ $$
APPLICANT DECLARATION
Has any party to the loan ever been bankrupt or had any legal proceedings against them in the past 5 years?
Yes If yes, please provide details No
By providing this personal information I consent to the Credit Union: - using and disclosing it in accordance with the Credit Unions Privacy Statement and Privacy Policy; and - recording and using it to assess this application; and - disclosing it to service providers associated with the Credit Union who may need to assess the application or provide the products for which I am applying.
APPLICANT 1
I/we agree to pay any fee associated with this application, as indicated in the Credit Union's Schedule of Fees and Charges. I/we declare that the information stated in this application is true, correct and accurate. I/we authorise the Credit Union to make any relevant enquiries into the references mentioned, my/our employer or any other credit provider at any time during the conveyancing of this facility. I/we acknowledge that a Baycorp Advantage (Credit Reporting Agency) report will be obtained.
Signature
Date
APPLICANT 2 Signature
Date
PRIVACY PROTECTION OF INFORMATION GENERAL FORM FOR APPLICATION FOR CREDIT IMPORTANT NOTICE TO APPLICANT(S) FOR CREDIT (Section 18E(8) (c) Privacy Act 1988)
PLEASE READ CAREFULLY.
The Credit Union may give information about you to a credit reporting agency, but only limited kinds of information allowed by the Privacy Act 1988 (Commonwealth). This includes:
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4. ACCESS TO COMMERCIAL CREDIT INFORMATION
(Section 18L(4) Privacy Act 1988). For the purpose of assessing my/our application for credit, I/we consent to the Credit Union obtaining a report containing information about my/our commercial activities or commercial credit worthiness, from a business which provides information about the commercial credit worthiness of persons.
identity particulars - this only includes your name, sex, date of birth, current known address, two immediately previous addresses, y o u r current or last known employer, and your drivers licence number; that you have applied for credit and the amount; that the Credit Union is a credit provider to you; payments overdue for at least 60 days, when the Credit Union has taken steps to recover; that payments are no longer overdue; cheques for an amount greater than $100, drawn by you which have been dishonoured more than once; the opinion of the Credit Union that you have committed a serious Credit Infringement; when the credit provided to you has been discharged.
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5. DISCLOSURE OF INFORMATION TO PERSONS FUNDING M O R T G A G E C R E D I T B Y S E C U R I T I S AT I O N
(Section 18N(1) (bg) Privacy Act 1988). If the Credit Union proposes to fund the credit I am/we are applying for by an arrangement involving mortgage securitisation, I/we consent to the Credit Union disclosing information about my/our personal credit worthiness to persons or bodies so involved to enable them to do what is necessary in the funding of the mortgage credit by such means.
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6. ACCESS TO CONSUMER CREDIT INFORMATION F O R C O M M E R C I A L C R E D I T A P P L I C AT I O N
(Section 18K(1) (b) Privacy Act 1988). If my/our application is for commercial credit, I/we consent to the Credit Union, in order to assess my/our application, obtaining from a credit reporting agency a credit report about me/us containing consumer credit information.
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STATEMENT BY APPLICANT(S) FOR CREDIT
Please read carefully before signing. Where more than 1 applicant, each applicant to sign.
1. TYPE OF CREDIT (tick which box applies)
The credit I am/we are applying for is: Wholly or primarily for a domestic, family or household purpose (consumer credit); or Wholly or primarily for another purpose (commercial credit)
7. ACCESS TO CONSUMER CREDIT INFORMATION BY TRADE INSURERS (Section 18K(1) (e) Privacy Act 1988).
If my/our application is for commercial credit, I/we consent to a trade insurer obtaining a credit report about me/us containing consumer credit information, in order to assess whether to insure the credit provider for the credit given to me/us, of the risk of providing insurance, or to assess the risk of default by me/us on this credit.
2. GIVING INFORMATION TO A CREDIT REPORTING AGENCY
(Section 18E(8) (c) PRIVACY ACT 1988) The Credit Union has informed me/us that it may give certain personal information about me/us to a credit reporting agency. I/we understand that the Credit Union can only give limited kinds of information which are set out in the Privacy Act 1988 and examples of which are listed above.
8. DISCLOSURE TO GUARANTORS (Section 18N(1) (bh)).
I/we authorise the disclosure of information to any person who proposes to guarantee the payment of credit provided to me/us.
3. EXCHANGING INFORMATION WITH OTHER CREDIT PROVIDERS (Section 18N(1) (b) PRIVACY ACT 1988).
I/we agree to the Credit Union checking personal information about me/us with any credit provider named in my credit application, and with other credit providers that may be named in a credit report issued by a credit reporting agency, for any of the following purposes:
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APPLICANT 1 Name (Please print) Signature Date / /
to assess my/our credit worthiness; to assess an application by me/us for credit; to help me/us avoid defaulting on my credit obligations; to notify a default by me/us; the collection of overdue payments.
APPLICANT 2 Name (Please print) Signature Date / /
I/we understand that this information can include any information about my/our credit worthiness, credit standing, credit history or credit capacity that credit providers are allowed to give to or receive from each other under the Privacy Act 1988.
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DOCUMENTATION TO BE SUPPLIED PRIOR TO APPROVAL
The following information (where appropriate) must be supplied when lodging your Loan Application form: - Permanent employees: Last two (2) payslips are required. If this is a joint loan or if two incomes are required to support the loan, evidence of both incomes is required. - Part Time / Casual employees: A letter from your employer(s) on a company letterhead confirming the length of your employment(s) and current income. Last two years Tax Assessment Notices if casually employed. - Self employed: If the first or joint borrower is self employed, a copy of the last two years' tax return(s) and assessment notices for personal and business must be supplied. - If you own your own home: please include a current rates instalment notice. - If you rent: please provide a copy of your rental agreement or lease and the last 2 rental receipts. - If you own your own car: please include a copy of the registration papers. - Confirmation of any other income listed: for example Centrelink benefits, child support, rental income, second job etc. - Refinancing or consolidating: Where the purpose of the loan is to refinance or consolidate existing debts, we require a copy of the last 3 months statements for each account that you wish to pay off. - Proof of purchase: Where the purpose of the loan is to purchase a new or used car you are required to supply an invoice.
THE NEXT STEP
Have ALL relevant questions been answered? Have all applicant(s) completed the Income section on page 2 to support this loan? Has the Applicant Declaration been signed and dated by all applicant(s)? Has the Privacy Protection of Information on page 3 been signed and dated by all applicant(s)? Has the evidence of total income been attached to this page as detailed above? If the applicant(s) require Loan Repayment Insurance, has the information required been completed on page 5? Once you have answered YES to all of the above questions please forward this Application to: BY MAIL: BY FAX: IN PERSON: Service One Members Banking, Locked Bag 1, DEAKIN ACT 2600 (02) 6215 7180 At any of the Credit Union's branches. Yes Yes Yes Yes Yes Yes No No No No No No
FOR FURTHER INFORMATION PHONE 1300 361 761 BETWEEN 8.00am - 5.30pm MONDAY TO FRIDAY AND 9.00am - 12.00pm SATURDAY
ADMINISTRATION CENTRE 75 Denison Street DEAKIN ACT 2600 Telephone Response Centre Phone: 1300 361 761 Mon - Fri: 8.00am - 5.30pm Sat: 9.00am - 12.00pm Facsimile: (02) 6215 7171 www.somb.com.au email: members@somb.com.au BSB: 801 009
BRANCHES ! Australian National University ! Batemans Bay ! Belconnen Mall ! Bemboka ! Calvary Hospital ! Civic ! Cooma ! Deakin !Narooma !Queanbeyan ! The Canberra Hospital ! Tuggeranong Hyperdome ! Tumut ! Uni Of Canberra ! Woden Plaza