Terms & Conditions
By submitting your quote details via any FinExchange platform — including, but not limited to, offer.finexchange.com.au and finexchange.com.au — you agree to the following terms and conditions set out by FinExchange Pty Ltd (referred to as “FinExchange”, “we”, “our”, or “us”):
1. Eligibility
• The Quote Match offer is available only to individuals who:
– Are 18 years of age or older;
– Are Australian residents; and
– Meet the eligibility criteria for finance with one or more of our partner lenders.
2. Finance Approval Requirement
• Clients must have a current, formal finance approval issued by a licensed Australian lending institution (including banks, credit unions, or authorised non-bank lenders).
• Quote matching will not apply to finance arrangements that fall under any of the following categories:
– Finance sourced via car dealership in-house finance teams;
– Loans arranged through unlicensed or unregulated finance providers;
– Conditional, indicative, or pre-approvals that have not been formally approved.
3. Quote Criteria
• To be eligible for quote matching, the competitor quote must:
– Be dated within 7 calendar days of submission to FinExchange;
– Be submitted in writing on official letterhead or from a verifiable email address of a recognised lender or broker;
– Clearly itemise all applicable interest rates, fees, charges, loan structure details (e.g., term length, balloon/residual payment), and comparison rates;
– Reflect comparable loan parameters to those offered by FinExchange, including but not limited to loan term, vehicle condition and age, borrower credit profile, and security type.
4. Quote Match Guarantee
• FinExchange will match or beat a competitor’s quote only where:
– All eligibility and documentation requirements are met; and
– The competing offer represents a materially lower total cost of credit over the full loan term.
• Quote matching is subject to:
– Availability of suitable lending products through our panel;
– Fulfilment of all lending and credit assessment criteria by the applicant; and
– A complete financial profile review by FinExchange and/or its lending partners.
5. Exclusions
FinExchange reserves the right to decline a quote match request where:
• The submitted quote cannot be independently verified;
• The applicant does not meet the lending criteria of any of our partner institutions;
• The competing loan offer involves promotional, subsidised, or otherwise non-standard terms that FinExchange cannot reasonably replicate;
• The quote is sourced from:
– Related-party transactions;
– Personal loans not secured against the intended vehicle;
– Manufacturer or dealer-specific incentives not available to third-party brokers.
6. Offer Limitations
• The Quote Match offer is non-transferable, cannot be redeemed for cash, and cannot be used in conjunction with any other FinExchange offer unless expressly permitted in writing.
• FinExchange reserves the right to vary, suspend, or terminate the Quote Match offer at any time without prior notice, in its sole discretion.
7. Privacy
• All personal and financial information collected through the Quote Match process will be handled in accordance with FinExchange’s Privacy Policy, available on our website.
8. General Disclaimer
• Submission of a competitor quote does not guarantee approval or matching.
• FinExchange retains absolute discretion in determining whether a quote qualifies for matching, and all decisions are final.
• All applications remain subject to standard credit checks, lender approvals, and applicable regulatory requirements.