Lending
RESPONSIBLE LENDING AT FINBEAT
At Finbeat, we believe in fair, transparent, and ethical lending—especially for students who need a helping hand. We follow Australian lending laws and prioritize your financial well-being over profits.
Commitment
OUR RESPONSIBLE LENDING COMMITMENT
Fair, transparent, and ethical lending
1.
Finbeat
QUICK ONLINE APPLICATION
No paperwork. No stress. Just tell us your story.
Before approving any loan, we:
- Verify your identity and student status
- Review your income (even part-time or casual work)
- Assess living expenses to ensure repayments are manageable
We won’t approve a loan if we believe it will cause you financial hardship.
2.
Finbeat
NO PREDATORY PRACTICES
Before approving any loan, we:
- No hidden fees : All costs are disclosed upfront
- No loan stacking : We check if you’re overborrowed
- No pressure : Take your time to decide
3.
Finbeat
FLEXIBLE & STUDENT-FRIENDLY
- Exam-period payment pauses (on approved loans)
- Repayment adjustments if your situation changes
- Lower rates for strong applicants
4.
Finbeat
FINANCIAL EDUCATION
We provide free resources on:
- Budgeting for students
- Understanding loan terms
- Managing debt wisely
Warning
BORROW RESPONSIBLY
A loan is a financial commitment. Before applying, consider.
- Can I afford the repayments if my income changes?
- Do I really need this vehicle now?
- Have I compared other options?
