Equifax is Australia's leading and most comprehensive credit reporting company, providing consumers with their most comprehensive credit report.

Equifax also provides credit reporting, credit scoring and data analytics services to the credit industry in return for a fee.

Equifax holds information on people and companies that helps enable consumers to manage their credit profile as well as credit providers to make responsible lending decisions.

If you have a credit card, phone contract, personal loan or mortgage, it’s likely you have a credit file held by a credit reporting agency such as Equifax.

The information Equifax holds helps consumers know where they stand when it comes to credit and helps lenders, like AFS, make a decision on whether to accept or decline an individual for credit.

Equifax Credit Reports, Scores & Alerts

AFS enables you to borrow between $4,000 and $35,000 depending on our assessment of your capacity to repay and current circumstances. Loan terms range between 12 months and 60 months. Any new commitments that establish your ability to repay a debt such as phone bills or credit cards greatly assist your credit risk profile and ability to secure an asset finance loan.

No. The same fees and charges apply to a bad credit loan with AFS as a prime credit loan.

However, please careful with other credit providers as many build in risk weighted fees that often add an additional 10% to the interest you are paying.

It's always a good idea to deal with a reputable company like AFS that doesn't charge such fees.

To learn more about our fees & charges go to:

www.afs.com.au/about-loans/about-interest-rates/afs-fees-charges/