Terms of Use

These terms govern your use of credit4u.com.au, operated by Local Capital Pty Ltd (ABN 79 142 973 279) trading as Credit4U. By using this website you accept them. Last updated 25 August 2026.

General information only

Everything on this website is general information. It does not take into account your objectives, financial situation or needs, and it is not financial product advice or a recommendation to enter any credit contract.

We are not a lender

Credit4U provides credit assistance. We do not provide credit. Any credit contract is between you and a third-party lender, on that lender's terms.

Rates, fees and availability

Interest rates, comparison rates, fees and terms shown on this site are indicative, set by lenders rather than by us, and subject to change without notice. They are not an offer of credit.

The rate you are offered depends on your circumstances and the lender's assessment. All applications are subject to the lender's credit criteria and approval.

Calculators and examples

Our calculator and worked examples are illustrative only. They assume a constant interest rate over the full term, fixed monthly repayments, and the fees stated. They do not account for changes in your circumstances, lender-specific fees, or fees for missed payments or early payout.

Results are an estimate, not a quote. Your credit contract is the authoritative document.

Comparison rates

Comparison rates on this site are calculated in accordance with the National Credit Code on the examples stated. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Accuracy

We take reasonable care to keep this site accurate and current, but we do not warrant that it is free from error or omission. Market rates change frequently and information may become out of date between updates.

Third-party links

Links to third-party websites are provided for convenience. We do not control them and are not responsible for their content, accuracy or privacy practices.

Intellectual property

The content, design and code of this website are owned by Local Capital Pty Ltd or licensed to us. You may view and print pages for personal, non-commercial use. You may not reproduce, republish or commercially exploit any part without our written permission.

Liability

To the maximum extent permitted by law, we exclude liability for any loss arising from use of this website or reliance on its content. Nothing in these terms excludes rights you have under the Australian Consumer Law or the National Consumer Credit Protection Act that cannot lawfully be excluded.

Eligibility

Our services are for people aged 18 or over who are Australian citizens or permanent residents. This site is directed at Australian residents.

Changes and governing law

We may amend these terms at any time by posting an updated version. These terms are governed by the laws of New South Wales, Australia.

Contact

Questions about these terms: info@credit4u.com.au.