Credit Guide

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v27.03.2025

IPF Digital Australia Pty Ltd
388 George Street, Sydney, NSW 2000
Phone: 1300 293 000
ABN 59 130 894 405
Australian Credit Licence Number 422 839

1.1 Who we are

IPF Digital Australia Pty Ltd (ABN 59 130 894 405) (IPF Digital) trading as Credit24, is an Australian credit provider. Australian Credit Licence number 422 839. In this credit guide, the words “we”, “our” and “us” refers to IPF Digital. IPF Digital is the Australian subsidiary of International Personal Finance plc.

This credit guide provides important information about us; our obligations as a credit provider; and how you can access our dispute resolution procedures.

1.2 Contacting us

You can contact us by telephone or email, using the details below:

1.3 IPF Digital’s obligation to lend responsibly

IPF Digital is a responsible lender, committed to responsible lending conduct. Prior to entering a credit contract we are required by law to:

  • make reasonable inquiries about your requirements and objectives in relation to the credit contract

  • make reasonable inquiries about your financial situation

  • take reasonable steps to verify the information you provide regarding your financial situation, and

  • make an assessment on whether the credit contract is unsuitable for you.

Credit Reporting

Credit24 participates in comprehensive credit reporting and may share information with the credit reporting bodies listed in our Privacy and Credit Reporting Policy which is publicly available on our website. When creating a customer account we may obtain information about you from a credit reporting body to

  • verify your identity;

  • obtain a credit report.

Credit24 participates in comprehensive credit reporting. For further information see the Credit24 Privacy and Credit Reporting Policy.

Section 20F of the Privacy Act permits us to obtain information about you from a credit reporting body if it is relation to an application for credit.

1.4 Concerns and complaints

We are devoted to achieve the best service for our customers. If you have a complaint regarding a credit contract with us or if you have a suggestion for ongoing improvements to our service, please contact us.

If there are any concerns or complaints related to your loan account or the service we have given you, please contact the Credit24 Customer Service Team to inform them of your complaint

Credit24 Contact Details:

Complaints received by IPF Digital will be acknowledged immediately or as soon as practicable. We will make our best attempt to provide a final response to your complaint within a maximum of 30 days of receiving your complaint.

External dispute resolution

If you are not satisfied with our complaint decision, you have a right to lodge a complaint with the Australian Financial Complaints Authority (AFCA) of which we are a member.

  • Website: www.afca.org.au

  • Email: info@afca.org.au

  • Telephone: 1800 931 678 (free call)

  • In Writing: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001

Compliments, suggestions and feedback

We value all customer feedback and suggestions on how we can improve our products and services. Please contact us at: