Effective date: 16 August 2026
Quick Summary
NextCredit collects personal, financial and credit-related information where needed to respond to enquiries, provide credit assistance and manage finance applications.
We may share relevant information with our licensee Purple Circle Financial Services Pty Ltd, lenders, service providers and other organisations involved in arranging finance.
We do not sell personal information.
You can ask to access or correct the information we hold about you and contact us with any privacy concerns.
1. About this policy
NextCredit is operated by Evoran Finance Pty Ltd ACN 692 212 794, ABN 78 692 212 794, trading as NextCredit Australia.
Evoran Finance Pty Ltd Credit Representative No. 580840 and Tom Raeder Credit Representative No. 580839 are authorised credit representatives of Purple Circle Financial Services Pty Ltd, Australian Credit Licence No. 486112.
In this policy, NextCredit, we, us and our refer to Evoran Finance Pty Ltd trading as NextCredit Australia.
This policy explains how we collect, hold, use and disclose personal information when you use our website, contact us or engage us in relation to finance.
We handle personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles and applicable credit-reporting requirements.
2. Personal information we collect
The information we collect will depend on your enquiry, circumstances and the type of finance being considered.
It may include:
- Your name, contact details, date of birth and identification information.
- Government-issued identification details, where required for identity verification.
- Information about your employment, business, investments or income sources.
- Income, expenses, assets, liabilities and existing financial commitments.
- Bank statements, payslips, financial statements, tax records and other supporting documents.
- Details of a proposed loan, refinance, purchase, property, asset or transaction.
- Information about directors, shareholders, trustees, guarantors and other parties involved.
- Credit-related information.
- Records of applications, enquiries, consents and communications with us.
- Other information you provide in connection with your finance needs.
We may collect sensitive information where it is reasonably necessary and where you have consented, or where collection is otherwise permitted by law.
We may also collect basic technical information when you use our website, such as your IP address, browser, device type and pages visited.
If you provide personal information about another person, you should only do so if you have their authority or where it is otherwise lawful.
3. How we collect information
We generally collect personal information directly from you when you:
- Contact us or submit an enquiry.
- Discuss your finance needs with us.
- Complete a form, consent or application.
- Provide identification or supporting documents.
- Communicate with us by telephone, email, online form or another channel.
We may also receive information from:
- Purple Circle Financial Services Pty Ltd.
- Banks, non-bank lenders and other finance providers.
- Credit reporting and identity-verification providers.
- Accountants, advisers, agents and referral partners.
- Employers, accountants and other authorised representatives.
- Valuers, insurers, conveyancers and other parties involved in a transaction.
- Publicly available records and government registers.
4. How we use your information
We may collect, hold, use and disclose personal information to:
- Respond to your enquiry.
- Understand your objectives, requirements and financial position.
- Assess, structure and arrange finance.
- Consider lenders and finance products that may be suitable.
- Prepare, submit and manage finance applications.
- Communicate with lenders and other parties involved.
- Verify your identity and prevent fraud.
- Meet legal, regulatory and compliance obligations.
- Manage our client and referral relationships.
- Operate and improve our business and website.
- Send relevant business and finance communications.
- Manage complaints, disputes and legal matters.
If we cannot collect the information reasonably required, we may not be able to assess your position, provide credit assistance or progress an application.
5. Credit-related information
Where relevant, we may collect or handle credit-related information when assessing your position or assisting with a finance application.
This may include information about:
- Current and previous credit applications.
- Existing loans and credit facilities.
- Repayment history.
- Defaults, hardship information or serious credit infringements.
- Credit scores or assessments.
- Information contained in or derived from a credit report.
Depending on the transaction, credit-related information may be obtained directly from you, through Purple Circle Financial Services Pty Ltd, through an authorised credit-reporting service or as part of a lender’s application process.
We will obtain any consent or authority required before requesting or handling credit-related information.
Lenders and credit reporting bodies have their own privacy and credit-reporting policies. Additional notices, consents or statements of notifiable matters may be provided when a credit enquiry, credit report or finance application requires them.
6. Who we disclose information to
We may disclose personal information where reasonably required to:
- Purple Circle Financial Services Pty Ltd.
- Banks, non-bank lenders and specialist finance providers.
- Credit reporting and identity-verification providers.
- Accountants, solicitors, conveyancers, valuers, insurers and advisers.
- Referral partners, where appropriate and authorised.
- Technology, communications and administrative service providers.
- Contractors and professional advisers supporting our business.
- Regulators, courts, dispute-resolution bodies and government authorities.
- Other parties where you have consented or disclosure is required or permitted by law.
We do not sell personal information.
7. Marketing communications
We may use your contact details to send information about NextCredit, finance matters or services that may be relevant to you.
You can unsubscribe at any time by using the unsubscribe option in the communication or contacting us at [email protected].
Opting out of marketing will not prevent us from sending communications required to manage an enquiry, application or existing client relationship.
8. Cookies and website information
Our website may use cookies and similar technologies for functionality, analytics, performance and security.
Cookies are small files stored on your device. You can manage or disable them through your browser settings, although some website features may not function correctly as a result.
9. Overseas disclosure
We do not currently expect to routinely disclose personal information to overseas recipients.
Some technology providers may use systems or infrastructure located outside Australia. If our practices change and personal information is likely to be disclosed overseas, we will update this policy with the likely countries or regions where practicable.
10. Storage and security
We take reasonable steps to protect personal information from misuse, interference, loss and unauthorised access, modification or disclosure.
Information may be held electronically or in physical form and may be stored using systems operated by service providers on our behalf.
We retain personal information for as long as reasonably required to provide our services and meet legal, regulatory, compliance and record-keeping obligations.
When information is no longer required, we take reasonable steps to destroy it or permanently de-identify it.
If we become aware of a data breach affecting personal information, we will assess the situation and take steps required by law.
11. Access and correction
You may ask to access the personal information we hold about you or request that we correct information that is inaccurate, incomplete or out of date.
Requests can be made by contacting [email protected].
We may need to verify your identity before responding. There may be circumstances where we are permitted or required to refuse a request. If this occurs, we will generally explain the reason and the available complaint options.
12. Privacy complaints
To raise a privacy concern or complaint, contact:
Evoran Finance Pty Ltd trading as NextCredit Australia
ACN 692 212 794
ABN 78 692 212 794
Email: [email protected]
Please provide enough information for us to understand and investigate your concern.
We will review your complaint and respond within a reasonable period.
If you are not satisfied with our response, you may be entitled to contact the Office of the Australian Information Commissioner.
13. Changes to this policy
We may update this policy when our services, systems, business arrangements or legal obligations change.
The current version will be published on this website with the effective date updated.
For further information about using this website, please read our Website Terms of Use.