Last updated: 14 August 2026
1. About these terms
This website 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 these terms, NextCredit, we, us and our refer to Evoran Finance Pty Ltd trading as NextCredit Australia.
These terms govern your access to and use of the NextCredit website. By accessing or using this website, you agree to these terms.
If you do not agree with these terms, you should not use this website.
2. About our services
NextCredit provides finance broking and credit assistance services.
Our services may include:
- Understanding your borrowing needs and financial position.
- Considering finance options available from relevant lenders.
- Suggesting finance products or loan structures that may be suitable.
- Assisting with the preparation and submission of finance applications.
- Communicating with lenders during the application and approval process.
The nature of the service provided will depend on your circumstances and the type of finance being considered.
Any credit assistance or transaction-specific recommendation will be provided separately after we have obtained the relevant information and completed any required disclosures, assessments and consents.
3. General website information
The general information published on this website does not take into account your personal objectives, financial situation or needs.
Website content is intended to explain finance options, borrowing considerations and the services offered by NextCredit. It should not be treated as a personalised recommendation or a statement that a particular product, lender or loan structure is suitable for you.
This website does not provide legal, tax, accounting, financial planning or investment advice. You should obtain appropriate professional advice where required.
Examples, scenarios and calculations are illustrative only. Actual repayments, costs, borrowing capacity and outcomes will depend on your circumstances and the lender’s requirements.
4. Finance information and availability
Nothing on this website constitutes:
- An offer of credit.
- Approval or a commitment by NextCredit or a lender.
- A guarantee that finance will be available.
- A guarantee of borrowing capacity.
- A guarantee of any particular interest rate, repayment, term, fee, structure or outcome.
Finance products, lender policies, assessment criteria, pricing and availability may change without notice.
All applications remain subject to assessment, approval and documentation by the relevant lender or finance provider.
5. Our role and lender decisions
NextCredit may assist you to consider finance options, select a lender and prepare an application.
The lender remains responsible for assessing the application and deciding whether to approve, decline or impose conditions on the finance.
We do not control or guarantee a lender’s decision, processing time, valuation, pricing or final terms.
6. Fees, commissions and other benefits
NextCredit may receive commissions, referral payments or other benefits from lenders or service providers where finance is arranged or another service is introduced.
Fees may also apply in some circumstances.
Information about applicable fees, commissions and other benefits will be provided in the relevant disclosure documents or otherwise communicated to you where required.
Access to general website content is provided without charge.
7. Information you provide
You are responsible for ensuring that information and documents provided to NextCredit are accurate, complete and not misleading.
Our ability to provide credit assistance and progress an application depends on the information available to us.
You should tell us promptly if your circumstances change or if information previously provided is no longer accurate.
8. Accuracy of website information
We take reasonable care when preparing and maintaining website content. However, we do not guarantee that all information will always be complete, current or free from error.
Interest rates, lender requirements, product features, fees, laws and market conditions may change.
You should confirm relevant information with us before relying on it in connection with a finance application or financial commitment.
We may update, remove or change website content at any time without notice.
9. External links
This website may contain links to third-party websites or resources.
These links are provided for convenience or context. Unless expressly stated otherwise, we do not control, endorse or accept responsibility for third-party content, products, services, security or privacy practices.
You access third-party websites at your own discretion and should review their terms and privacy policies.
10. Acceptable use
You must not use this website:
- For an unlawful, fraudulent or misleading purpose.
- In a way that interferes with the website or another person’s use of it.
- To introduce malicious code or harmful material.
- To gain unauthorised access to systems or data.
- In a way that infringes our rights or the rights of another person.
11. Intellectual property
Unless otherwise stated, the content on this website, including text, branding, logos, graphics, images and page design, is owned by or licensed to Evoran Finance Pty Ltd and is protected by applicable intellectual property laws.
You may view, download or print website content for your own personal or internal business use.
You must not reproduce, publish, distribute, modify or commercially exploit website content without our prior written permission.
12. Liability
To the maximum extent permitted by law, Evoran Finance Pty Ltd and NextCredit are not liable for loss or damage arising from:
- Reliance on general information published on the website.
- Use of illustrative examples, scenarios or calculations.
- Errors, omissions or outdated website information.
- A lender’s decision, delay, requirements or conduct.
- Third-party websites, products, services or content.
- Interruption or unavailability of the website.
- Malicious code or other harmful material transmitted through the internet.
Nothing in these terms excludes, restricts or modifies any right, guarantee, condition or liability that cannot lawfully be excluded, restricted or modified.
13. Privacy
We handle personal information in accordance with our Privacy Policy.
Information submitted through the website may be used to respond to your enquiry, provide credit assistance, manage an application or for the other purposes described in that policy and any applicable collection notice or consent document.
14. Other disclosure documents
These website terms do not replace any Credit Guide, privacy consent, credit proposal, quote, preliminary assessment, finance agreement or other disclosure or transaction document provided to you.
Where another document applies to a particular service or transaction, that document should be read together with these terms.
15. Changes to these terms
We may update these terms when our website, services, business arrangements or legal obligations change.
The current version will be published on the website with the date it was last updated.
16. Governing law
These terms are governed by the laws of New South Wales, Australia.
You submit to the non-exclusive jurisdiction of the courts of New South Wales and any courts entitled to hear appeals from them.
17. Contact
Questions about these terms can be directed to:
Evoran Finance Pty Ltd trading as NextCredit Australia
ACN 692 212 794
ABN 78 692 212 794
Email: [email protected]