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Customer Credit Agreement

Customer Credit Agreement Template for Australia

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Key Requirements PROMPT example:

Customer Credit Agreement

"I need a Customer Credit Agreement for a small business lending program launching in March 2025, with a credit limit range of $50,000 to $250,000, including specific provisions for business asset security and quarterly financial reporting requirements."

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Document background
The Customer Credit Agreement serves as the primary contractual document between credit providers and customers in Australia seeking credit facilities. It is essential for any credit arrangement falling under the National Consumer Credit Protection Act 2009 and National Credit Code. This document is used when establishing new credit facilities, whether for personal loans, credit cards, or other consumer credit products. The agreement includes crucial information about credit limits, interest rates, fees, repayment terms, and security requirements, while incorporating mandatory consumer protections and disclosure requirements under Australian law. It's designed to protect both the credit provider's interests and the customer's rights, ensuring transparency and compliance with Australian financial services regulations.
Suggested Sections

1. Parties: Identification of the credit provider and the customer(s), including ABN/ACN for the credit provider and full legal names for customers

2. Background: Context of the agreement, relationship between parties, and purpose of the credit facility

3. Definitions: Key terms used throughout the agreement, including financial and technical terms

4. Credit Facility Details: Core terms including credit limit, purpose, and facility type

5. Interest: Interest rates, calculation methods, and variation provisions

6. Repayments: Payment obligations, schedules, and methods

7. Fees and Charges: All applicable fees, charges, and when they're payable

8. Security: Details of any security required for the credit facility

9. Customer Obligations: Key responsibilities and undertakings of the customer

10. Events of Default: Circumstances constituting default and consequences

11. Termination: Conditions and process for ending the agreement

12. Privacy and Information Handling: How customer information will be collected, used, and disclosed

13. General Provisions: Standard legal provisions including governing law, notices, and amendments

Optional Sections

1. Guarantor Provisions: Required when the credit facility includes a guarantor

2. Insurance Requirements: Included when specific insurance is mandatory for the credit facility

3. Special Conditions: For customer-specific terms or special credit arrangements

4. Electronic Communications: Optional section for customers opting into electronic communications

5. Reward Programs: If the credit facility includes any rewards or benefits program

6. Balance Transfer Terms: Required for credit facilities offering balance transfer options

7. Joint Borrower Provisions: Required when there are multiple borrowers

Suggested Schedules

1. Schedule 1 - Financial Terms: Detailed breakdown of all financial terms including credit limit, interest rates, fees, and charges

2. Schedule 2 - Repayment Schedule: Detailed payment schedule including amounts and due dates

3. Schedule 3 - Security Details: Specific details of any security provided

4. Schedule 4 - Direct Debit Request: Direct debit authorization and details

5. Appendix A - Information Statement: Mandatory information statement under the National Credit Code

6. Appendix B - Fee Schedule: Comprehensive list of all applicable fees and charges

7. Appendix C - Privacy Consent: Detailed privacy consent and credit reporting permissions

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok³ÉÈË°æ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions


















































Clauses






























Relevant Industries

Financial Services

Banking

Retail

Consumer Finance

Automotive Finance

Property Finance

Business Services

Equipment Finance

Relevant Teams

Legal

Compliance

Risk Management

Credit Operations

Customer Service

Collections

Document Control

Credit Assessment

Product Development

Branch Operations

Relevant Roles

Credit Manager

Legal Counsel

Compliance Officer

Risk Manager

Credit Assessment Officer

Customer Service Manager

Financial Services Manager

Branch Manager

Loans Officer

Credit Operations Manager

Document Control Officer

Contract Administrator

Consumer Credit Officer

Collections Manager

Industries








Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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