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Golden Bridge-provides quick and easy cash loan solution to individuals across Australia for short-term cash flow problem. Our services are Internet based, that allows us to help our customers in the most efficient, fastest and cost effective way of lending.

 

Payday Loans

Compliance Information
Golden Bridge takes all reasonable steps to ensure that it complies with the National Credit Act, the National Credit Code and any other applicable state laws and regulations.

Implications of non-payment
If you can not make a payment, you should contact us immediately. Depending on your circumstances, we may make changes to the repayments under your contract to help you repay the debt. You can ask us to:

• • extend the term of your contract and reduce repayments; or
• • extend the term of your contract and delay payments for a set time; or
• • delay payments for a set time without extending the term of your contract.

Charges may become payable in the event of default payment Payment Dishonour Fee: $25 for each payment dishonoured Late Fee: $50 for any installment is not paid in full within 5 days following its scheduled due date. Collection Fee: 50% of outstanding debt

Disclosure of fees including APR (annual percentage rate)

Small Amount Credit Contracts do not attract an anual percentage rate, however we do charge an establishment fee and a monthly fee. Please refer Costs&Fees for more details.

Indicative Costs
Establishment fee is 20% of the amount borrowed.

Monthly loan account fee is 4% of the amount borrowed.

Loan Amount	Loan Term	Loan Costs	Loan Repayment	Comarison APR
$200	62 to 90 days	$56	$256	113.56% to 164.84%
$500	62 to 90 days	$140	$640	113.56% to 164.84%
$1000	62 to 90 days	$280	$1280	113.56% to 164.84%
$1500	62 to 90 days	$420	$1920	113.56% to 164.84%

 

Collection Practices
Golden Bridge will take reasonable steps to contact you when a default occurs. If we are unable to recover the debt

• • we may commence legal action against you.
• • the matter shall be referred to a collection agent resulting in additional costs of collection, adding to your outstanding debts.

The debt may be included in a credit reporting agency’s credit information file about the debtor if:

• (i) the debt remains overdue for 60 days or more; and
• (ii) the credit provider has taken steps to recover all or part of the debt.

Renewal policy
In relation to re-loans or refinancing loans, Golden Bridge takes all reasonable steps to ensure that it complies with its responsible lending obligations under the National Credit Act, by not entering into an unsuitable credit contract with a consumer.

© Copyright Golden Bridge Cash Solution Pty Ltd 2011