Zayer Finance – zayerfinance.com.au
Huthnance Investments Pty Ltd ACN 683 699 989 as trustee for the Huthnance Family Trust ABN 92 868 797 064, trading as Zayer Finance.
Authorised Credit Representative 565781 (Huthnance Investments Pty Ltd) and 565782 (Isaiah Huthnance) of Simple Finance Group Australia Pty Ltd ABN 58 641 445 954, Australian Credit Licence 540378.
Effective date: 1 November 2026
1. Acceptance
These terms apply to your use of zayerfinance.com.au and any enquiry or application form on it (the Website). In these terms, “we“, “us” and “our” means Zayer Finance as described above. By using the Website or submitting a form, you agree to these terms and to our Privacy Policy. If you do not agree, please do not use the Website.
2. Who we are and what we do
We are a finance broker. We do not lend money. We help you compare and apply for finance with lenders on our panel. We currently focus on vehicle, equipment, business and other asset finance. We provide credit assistance as an authorised credit representative of the licensee named above. We do not compare every lender or every product in the market.
3. Credit Guide and your rights
Before we provide credit assistance to you, we will give you our Credit Guide. You can also ask for a free copy at any time by emailing approvals@zayerfinance.com.au or calling 0461 434 851. The Credit Guide tells you:
- who our licensee is and our credit representative numbers;
- the lenders we most commonly use;
- the fees, commissions and other benefits we, our licensee or referrers may receive;
- how to make a complaint, including to AFCA.
Where required, we will also give you:
- a Credit Quote setting out any fees you must pay us, before we charge them;
- a Credit Proposal Disclosure document.
4. General information only – not an offer or approval
Content on the Website is general information only. This includes rates, repayment examples, calculators, “pre-approval” or “approval” wording, lender names and descriptions of products. It does not take into account your objectives, financial situation or needs, and it is not an offer of credit or a promise that credit will be approved.
- Rates, fees and lender criteria change often and are set by lenders.
- Any rate shown is indicative unless we state otherwise. A comparison rate will be shown where the law requires it.
- All applications are subject to the lender’s credit assessment, responsible lending checks, terms, conditions, fees and charges.
- Calculator results are estimates based on the inputs you provide and assumptions we state. Do not rely on them to make a financial decision.
5. Responsible lending and your information
The NCCP Act requires us to make reasonable inquiries about your requirements, objectives and financial situation, verify that information, and make a preliminary assessment that the credit we suggest is not unsuitable for you. When you submit a form or application, you confirm that:
- the information is true, correct and complete, and you will tell us promptly if it changes;
- you are at least 18 years old and are, or are authorised by, the person the application is about;
- you consent to us verifying your mobile number by SMS one-time passcode, and verifying the information you give us;
- you understand that we will only obtain your credit report, or submit an application to a lender, with your consent. Lenders will usually obtain your credit report when you apply, which may be recorded on your credit file.
Giving false or misleading information may be an offence and may result in your application being declined.
6. Communications and marketing
By submitting your details, you agree that we may contact you by phone, SMS and email about your enquiry and application. If you also tick the marketing consent box, we may send you marketing messages. You can unsubscribe at any time using the link or “STOP” option in any message, or by emailing us. We will action requests within 5 business days.
7. Fees
Using the Website is free. Any broker or other fee for our services will be set out in a Credit Quote and agreed with you before it is charged. Lenders’ fees and charges are set out in their loan documents.
8. Reviews and testimonials
Reviews shown on the Website are from real customers through third-party platforms (such as Google via Trustindex). They reflect individual experiences and are not a guarantee of any outcome. We do not edit reviews to change their meaning and we do not selectively remove negative reviews.
9. Intellectual property
The content on the Website, including text, graphics, logos and the Zayer Finance name, belongs to us or our licensors. You may view and print it for personal, non-commercial use. You must not copy, reproduce or distribute it for any other purpose without our written permission.
10. Acceptable use
You must not:
- use the Website for unlawful purposes;
- submit another person’s information without authority;
- interfere with the Website’s security or operation;
- upload malicious code;
- scrape or harvest data from the Website;
- use automated systems to submit forms.
11. Third-party websites and tools
The Website may link to or embed content from third parties, such as lenders, Google Maps, review platforms and social media. We do not control and are not responsible for their content, availability or privacy practices. A link is not an endorsement.
12. Australian Consumer Law and limitation of liability
Nothing in these terms excludes, restricts or modifies any consumer guarantee, right or remedy you have under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)), the Australian Securities and Investments Commission Act 2001 (Cth), the NCCP Act or any other law that cannot be excluded (Non-excludable Rights).
Subject to your Non-excludable Rights, and to the extent permitted by law:
- the Website is provided “as is”. We do not warrant that it will be uninterrupted, error-free, current or free of viruses;
- we are not liable for any loss arising from your reliance on general information on the Website, or from your use of or inability to use the Website;
- where our liability for failing to comply with a consumer guarantee can lawfully be limited, it is limited to supplying the services again or paying the cost of having them supplied again.
This clause does not limit our obligations under any credit assistance we provide you, or our liability for our own negligence, fraud or breach of law.
13. Complaints and dispute resolution
We want to know if you are unhappy with our service.
Step 1 – Contact us. Tell us about your complaint:
- by phone: 0461 434 851;
- by email: approvals@zayerfinance.com.au;
- in writing: Zayer Finance, 75 Tudor Street, Hamilton NSW 2303;
- through our website contact form.
We will:
- acknowledge your complaint within 1 business day, or as soon as practicable;
- investigate it fairly and keep you informed;
- give you a final written response within 30 calendar days. If we cannot, we will tell you the reason for the delay and of your right to go to AFCA.
You can also escalate your complaint to our licensee, Simple Finance Group Australia Pty Ltd trading as Dealify (ACL 540378): phone 1300 28 57 67, email accounts@dealify.au, or post to Customer Service Team – Complaints, PO Box 1816, Newcastle NSW 2300.
Step 2 – AFCA. If you are not satisfied with our final response, or we do not respond within 30 days, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA). AFCA provides fair and independent financial services complaint resolution that is free to consumers.
- Website: www.afca.org.au
- Email: info@afca.org.au
- Phone: 1800 931 678 (free call)
- Mail: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001
- Our AFCA membership number: 112618
Time limits may apply to complain to AFCA, so you should act promptly or check the AFCA website to find out if, or when, the time limit relevant to your circumstances expires.
Privacy complaints can also be made to the OAIC – see our Privacy Policy.
14. Changes and general
- We may update these terms at any time by publishing a new version on the Website.
- These terms are governed by the laws of New South Wales, Australia. You submit to the non-exclusive jurisdiction of its courts.
- If any part of these terms is invalid, the rest continues to apply.
15. Contact
Zayer Finance | 0461 434 851 | approvals@zayerfinance.com.au | 75 Tudor Street, Hamilton NSW 2303