Terms and Conditions
last updated: October 2025
1. Definition and Interpretation
Agreement: means the Vehicle Fixed Term Consumer Lease, as well as all the complementary
components, contained or listed herein. It may also be referred to as the lease, fixed terms lease or
the lease agreement. These terms and conditions form part of the Agreement.
Australian Consumer Law means Volume 3, Schedule 2 of the Competition and Consumer Act
2010 (Cth).
Business Day means a date that is not a Saturday or Sunday or a public holiday, special holiday or
bank holiday that we are open for business in Brisbane.
Code means the National Credit Code, which can be found under Volume 2, Schedule 1 of the
National Consumer Credit Protection Act 2009 (Cth).
CRB means a Credit Reporting Bureau.
Direct Debit Authority means the form signed by You authorising us to directly debit Your
nominated account.
Disclosure Date means the date specified as the Disclosure date in the Schedule and a copy of
this Agreement is provided to the applicant.
Early Payout Fee means the fee specified in the Carzie Australia Lease Agreement.
Enforcement Expenses means all reasonable expenses incurred by us in enforcing this
Agreement where You are in breach, including those expenses referred to under clause 14.
Fees and Charges means all the fees and charges specified in the Alpha Finance Vehicle Loan
Agreement Schedule, and any new fees and charges introduced from time to time, where 20 days’
notice is given.
Privacy Law means the Privacy Act 1988 (Cth) and includes the Australian Privacy Principles and
any applicable Credit Reporting Code of Conduct.
Regular Payment means the amount set out in the Alpha Finance Vehicle Loan Agreement, which
You are required to pay to repay Your Loan.
Schedule means the schedule on page 3 above.
Secured Property means the Vehicle and all rights and claims under any insurance policy or
Vehicle warranty relating thereto, including the right to demand and receive payment of any
proceeds of all claims under any such policy or Vehicle warranty. The secured property includes any
repairs, replacement parts, additions, or alterations made to the Secured Property, and any money
or replacement vehicles received from any insurance claim or warranty policy in respect of the
Secured Property.
Security Provider means any person who has given a goods security.
Term means the period specified in the Carzie Australia Lease Agreement.
Total Repayments means the amount You must pay to us during the lifetime of the Lease
as set out in the Schedule.
We, Us or Our means Carzie Australia Pty Ltd (48 688 516 289), Alpha Finance Pty Ltd
(ABN 93 151 835 040) but may also be referred to as “Alpha” or “The Company”.
- You or Your means the person or persons lasing the vehicle and named as the Customer in the
Carzie Australia Lease Agreement Schedule and includes Your successors and assigns.
Unless otherwise stipulated, the following should be interpreted accordingly:
a. A singular word includes the plural and vice versa.
b. A word which suggests open gender includes the other gender.
c. A reference to a party to this document or any other document or agreement includes the
party’s successors, permitted substitutes and permitted assignments;
d. A reference to a clause, schedule, annexure or party is a reference to a clause of, and a
schedule, annexure or party to, this document and references to this document include any
schedules or annexures.
e. A reference to a document or agreement (including a reference to this document) is to that
document or agreement as amended, supplemented, varied or replaced; and
f. A reference to legislation or to a provision of legislation (including subordinate legislation) is
to that legislation as amended, re-enacted, or replaced, and includes any subordinate
legislation issued under it.
1.2 Where two or more people have entered into this Lease Agreement with us, we can enforce our
rights under this Agreement against all of You together or against any one of You alone. This means
that each of You can be required to pay the whole amount even though You may have some other
arrangement among yourselves or not all of You benefit equally.
1.3 Words or phrases used in these Terms and Conditions have the same meaning as those used in
the Schedule and vice versa.
1.4 A reference to a party includes that party’s successors and permitted assigns.
1.5 A reference to a statute or other legislation includes any amendment, replacement or re-
enactment for the time being in force and includes all regulations, by-laws and statutory instruments
made thereunder.
1.6 A reference to this or any other document includes a reference to that document as amended,
supplemented, novated, or replaced from time to time.
2. Vehicle Security
The ownership and security of the vehicle covered in this Lease agreement remains with Alpha.
The Secured Property includes any repairs, replacement parts, additions, or alterations made to the
Secured Property, and any money or replacement vehicles received from any insurance claim or
warranty policy in respect of the Secured Property.
3. Your Obligations – Registration, Insurance and Operation of the Vehicle
3.1 You must:
comply with all laws relating to the registration, compulsory third-party insurance, use, operation,
maintenance and possession of the Secured Property, including obtaining any necessary licenses
or permits;
a. ensure that operation and maintenance of the Secured Property complies with all relevant
laws and the manufacturer’s instructions as to use;
b. repair and maintain the Vehicle and keep it in a condition which is generally as good as its
condition on the date You accept the offer to enter into this Agreement.
c. Carzie will keep the vehicle adequately comprehensively insured for the full replacement and
reinstatement value against fire, theft, collision, accident, damage, public liability and any
other risks which Carzie Australia requires
d. pay all amounts due to any repairer in respect of any repairs to the vehicle.
e. notify Carzie Australia in writing of any change in Your name at least 14 days
before You propose to change Your name.
f. promptly tell us if the Vehicle is damaged, faulty or if it is stolen or involved in an accident
within 24 hours.
g. Immediately repair any accident damage to the vehicle
h. allow us to inspect and test the Vehicle at any time we ask.
i. continue to pay the Regular lease Payments even if You cannot use the Vehicle for any
reason;
j. make sure the Vehicle is operated safely and in accordance with the operating instructions
(if any);
k. not sell, transfer, sub-hire or dispose of the Vehicle or create a Security Interest in it (or
attempt to do so or permit anyone else to do any of these things);
l. not make any alterations to the Vehicle or add to it (but if You do alter or add to the Vehicle
You agree that such alterations and additions will be considered part of the Vehicle for the
purposes of this Agreement);
m. not do anything which would have the effect of voiding any insurance over the Vehicle;
n. make sure that You do not use the vehicle (or allow it to be used) for any purpose that is
illegal; and
o. not make any false or misleading representation in connection with this Agreement or act
fraudulently in connection with this Agreement.
3.2 You appoint Alpha and each of our authorised representatives your attorney for the purposes of
recovering any insurance monies and settling any claims arising from the Vehicle insurance if you
fail to do so and you understand that Alpha may elect to retain any insurance monies and at its
discretion, either;
a. repair the Vehicle; or
b. pay the monies to the credit of any monies you owe us
3.3 If the cost of repairs exceeds the insurance monies, you will make up any difference
from your own funds.
3.4 Unless Carzie Australia has given its consent in writing, You must not:
a. part with possession of the vehicle;
b. conceal or alter the vehicle or any identifying number plate or mark on it;
c. create another security interest over the Vehicle or allow one to arise (including a
lien for repairs or storage) or dispose of any other interest in all or part of the Vehicle;
d. do or allow anything to happen that might reduce the value of the Vehicle (fair wear
and tear excepted);
e. do anything which reduces the value or effectiveness of the goods security as a
security to Carzie
4. Repayments
4.1. You must pay:
a. You must repay us the outstanding balance of the Lease agreement by making repayments
on the date each repayment is due until the lease has expired or the total amount has been
paid. The first regular payment due date is specified in the Schedule.
b. The subsequent Regular Payments on the same day each week, fortnight (depending on
Your payment period). Your payment period and the day Our Regular Payment is due are set
out in the Schedule.
c. If a Regular Payment falls due on a day that is not a Business Day, the payment will be due
on the next Business Day.
d. You must provide us with a direct debit authority in the form we require that authorises us to
debit Your nominated account with Your Regular Payment and any other amount due and
payable in each payment period for the Term. If a direct debit or other payment instrument is
dishonoured, we will treat the dishonoured payment as though it has not been made.
e. Regular Payments and any other amounts You pay to us will be credited to Your Loan
account when we receive payment.
f. If You pay more than the Regular Payment and any other amounts due and payable in any
payment period, You will still have to make Your Regular Payment in subsequent payment
periods. Any prepayment or overpayment will have the effect of reducing the total number of
Regular Payments You need to make to pay the Money Owing in full.
g. If Credit Fees and Charges, Enforcement Expenses or other costs (if any) are debited
to Your Loan account and form part of the Money Owing, You must pay them immediately.
h. All payments are to be made on the due date. In addition to making any repayments
specified in the Schedule, on expiry of the Lease Term, You must pay to us the total amount
You owe us. The expiry of the Lease Term is the date set out in the Schedule, or such other
date which we agree with You. The ‘total amount You owe us’ means, in respect of each
account, the total Money Owing from time to time and includes all interest, fees and charges
as stipulated in the Schedule, or any other amounts which become due on final repayment.
i. The amount of the Total Payments payable under this Agreement, as set out in the
Schedule, assumes that You will make the Regular Payments at the intervals set out in the
Schedule. Fees and Charges, Enforcement Expenses and any interest charged on
additional charges that do not form part of the Lease Agreement but which may be debited
to Your Loan account are not included in those calculations.
j. The Money Owing on Your Lease account no later than the day Your last Regular Payment
is due or, if You are in default under this Agreement, in the scenarios described under
clauses 12(a), (b) and (c).
5. Early Pay Out
5.1. You may, at any time, repay the Money Owing on Your Lease Agreement account before the
end of the Term.
5.2. If You repay the Money Owing on Your Lease account before the end of the Term we will
charge You an Early Payout Fee, which will be debited to Your Loan account and will form part of the
Money Owing at the time we calculate the amount required to pay the Money Owing on Your Lease
account in full.
5.3. If You request, it in writing we will provide You with a detailed written statement of the amount
required to pay the Money Owing on Your Lease account in full.
6. Events of Default
6.1. You will be in default if:
a. You fail to pay Us on time any amount that is due under this Agreement;
b. You do not do what You have agreed to do under this Agreement;
c. You do what You have agreed not to do under this Agreement;
d. You or a person acting on Your behalf, provides us with incorrect or misleading information
(including by omission) in connection with this Agreement;
e. You die; no longer have legal capacity or become unable to manage your own affairs;
f. The Secured Property is written off, destroyed, stolen, or confiscated by a Government
Agency; or
g. A change in Your personal circumstances occurs which, in our reasonable opinion, may have
a material adverse effect on Your capacity to meet Your obligations under this document.
7. Our Right to End This Agreement
7.1. If You are in default under this Agreement, we will consider You to have repudiated this
Agreement. We may accept Your repudiation by providing You with written notice. We will give You a
written notice and at least 30 days for You to remedy Your default (unless we reasonably
believe Your default cannot be remedied) before we accept Your repudiation or take any
enforcement action against You.
7.2. If We accept Your repudiation, this Agreement will be at an end and You must pay Us all
amounts You owe Us and comply with Your other obligations that apply when this Agreement ends.
8. Conditions of Termination of Agreement
8.1. If We end this Agreement:
a. we can exercise our rights under this Agreement; and
b. we can also exercise any rights available to us under law.
8.2. The Money Owing on Your Loan account becomes due and payable immediately.
9. Enforcement Expenses
9.1. We may charge you enforcement expenses we reasonably incur if an Event of Default
or You breach this Agreement. You must pay any Enforcement Expenses to Us when they are
payable. Any Enforcement Expenses will be debited to Your Loan account when they are payable
and will form part of the Money Owing. They will be immediately due for payment once debited.
a. 9.2. An enforcement expense includes those expenses reasonably incurred using Our staff
and facilities or a third-party agent or legal representative for doing any of the following
under this Offer and Loan Contract or any mortgage:
b. enforcing any right we have under this Offer and Lease Agreement
c. attempting to enforce any right;
d. performing any of your obligations;
e. protecting any right;
f. waiving any right;
g. contemplating the enforcement of any right;
h. sending an arrears letter or default notice before commencing enforcement proceedings;
and
i. any payment we make because of the dishonour of a cheque given to us for a payment in
relation to this Offer and Lease agreement
10. Change in Circumstances and Financial Difficulties
10.1. You must tell us promptly if You think there is any information that we should be aware of
about Your ability to comply with this Agreement, including any change in income and/or creditors.
10.2. You should tell us immediately if You cannot make any repayments. If You do, we will discuss
alternative payment arrangements with You. However, we do not have to agree to any alternative
arrangements
11. Notices
11.1. Any notice or demand given by Us under this Agreement or required by law may be given in
writing, can be signed by any of Our officers, and can be delivered personally, by pre-paid mail or
electronic mail (including SMS) to Your address, email address or mobile as last notified to Us. Any
such notice or demand will be taken to have been received by You when it would have been
delivered in the ordinary course of post.
11.2. Carzie Australia will have no obligation to provide You with any notice where it has made a
reasonable (but unsuccessful) attempt to give You a notice or other document, or where Carzie
Australia has reasonable grounds to believe that You can no longer be contacted at the
address You have communicated to Carzie Australia.
12. National Credit Code and Other Laws (Severability)
If any part of this Agreement is inconsistent with, illegal, void, or unenforceable under the Code or
other laws, it is to be read as if that part has been varied or (if necessary) omitted to the extent
required to ensure that this Agreement complies with the Code or other laws. All disclosures under
this Agreement are made based on assumptions permitted by the Code.
If any term of this contract is regulated by legislation relating to unfair contract terms and we are
advantaged by that term, we may only exercise our rights under that term to the extent (if any)
reasonably necessary to protect our legitimate interests. Words used in this clause have the same
meaning as under the applicable legislation.
13. Changes to This Agreement
Carzie Australia may from time to time, to the extent that the Code or other laws allow it, vary the
terms of the Agreement, including any figures (fees, charges etc.) listed in the Agreement, provided
You are given not less than 30 days’ prior written notice of any such changes, or any longer period
required by the Code.
14. No Waiver of Our Rights
We will not waive any of Our rights under this Agreement unless we do so in writing.
15. Set Off
15.1. You must pay all amounts due under this Agreement in full without setting off
amounts You believe we owe You and without counterclaiming from us, except to the extent that any
right of set off You may have is not excluded under any law.
15.2. Carzie Australia may, in its absolute discretion, deduct or set-off Money Owing from money
payable to You.
16. Communication Between Us
16.1 By signing this Agreement, You acknowledge that before an offer to enter into this Agreement
was made, that Alpha Finance provided You with an “Information Statement”
16.2. By signing this Agreement, You acknowledge that You were given the opportunity to obtain
independent legal and financial advice about the financial obligations created by this Agreement.
16.3. By inserting Your email address in the Schedule, You authorise Us to use email for
communication purposes, including the giving and receiving of documents or information.
16.4. You must tell Us if You change Your name, Your residential, postal or email
address, Your telephone or mobile number or Your employment.
16.5. If You have to give Us a document then You can:
a. leave it at Our office address as shown on the Schedule, or any other address we tell You; or
b. email it to an email address we tell You.
16.6. Unless stated otherwise, if we need to give You a document we can do so by:
delivering it to You personally;
a. leaving it at, or sending it by post or facsimile to Your residential or postal address last known
to Us; or
b. emailing it, where the Code allows, to the email address You have provided to Us.
16.7. If You have provided Us with Your email address You must:
a. regularly check Your email address to see if You have received any emails from Us;
b. maintain and check Your electronic equipment (including any computer, telephone or other
electronic device which can receive emails) and Your email address regularly to ensure it is
always capable of receiving emails from Us; and
c. You are responsible for printing or saving important documents, and we strongly recommend
that You do so. You may cancel Your authorisation to receive documents by email at any
time, by notifying Us in accordance with clause .
d.
17. Joint Lessor – Obligations Are Separate & Together
If there is more than one Lessor, the obligations under this Offer and Lease Agreement bind each
Borrower jointly and severally and each Lessor is liable to us separately for the balance of the Loan
account as well as together.
18. Assignment
We may transfer, or assign, Our rights under this Agreement without Your consent, provided we
reasonably believe You will not suffer any material detriment from the transfer or assignment. In
doing so, You consent to Us giving any information (including documents) about You to the assignee
or to anyone who is considering becoming the assignee.
19. No Agency
Any third party who has submitted an application on Your behalf for this Agreement with Us is not
an agent of Alpha Finance, but an independent and licenced actor in their own right.
20. Counterparts
This Agreement may be signed or executed in several counterparts, with the same effect as if the
signatures to or execution of each counterpart were on the same instrument.
21. Governing Law
This Agreement is governed by the law in force in the State of Queensland.
Things you should know about your consumer lease
This statement tells you about some of the rights and obligations of you (Lessee) and Carzie
Australia Pty Ltd (ABN 48 688 516 289) (Lessor). It does not state the terms and conditions of your lease.
The lease
How can I get details of my lease?
Your lessor must give you a copy of your consumer lease with this statement. Both documents must
be given to you within 14 days after the lessor enters into the consumer lease, unless you already
have a copy of the consumer lease. If you want another copy of your lease write to your lessor and
ask for one. Your lessor may charge you a fee. Your lessor has to give you a copy —
- within 14 days of your written request if the contract came into existence 1 year or less
before your request; or - otherwise within 30 days.
- What should my lease tell me?
- You should read your lease carefully.
- Your lease should tell you about your obligations, and include information on matters such
as — - details of the goods which have been hired; and
- any amount you have to pay before the goods are delivered; and
- stamp duty and other government charges you have to pay; and
- charges you have to pay which are not included in the rental payments; and
- the amount of each rental payment; and
- the date on which the first rental payment is due and either the dates of the other rental
payments or the interval between them; and - the number of rental payments; and
- the total amount of rent; and
- when you can end your lease; and
- what your obligations are (if any) when your lease ends.
This information only has to be included in your lease if it is possible to give it at the relevant times.
If your lease does not tell you all these details, contact your lessors external dispute resolution
scheme, or get legal advice, for example from a community legal centre or Legal Aid, as you may
have rights against your lessor.
Can I end my lease early?
Yes. You can voluntarily return the goods to your lessor. The goods may be returned in ordinary
business hours or at any other time you and the lessor agree on, or the court decides.
What will I have to pay if I end my lease early?
You might have to pay any rental payments you still owe up to the date you end the lease, a
reasonable early termination fee, any costs or losses the lessor incurred because the lease is
ending early.
If you have paid any rental amounts paid in advance, you may be entitled to a refund for the unused
portion depending on when you return the vehicle and its condition.
All fees and charges will be clearly disclosed and calculated in line with the National Credit Code
Can my lease be changed by my lessor?
The lessor can change your lease if the law or payment rules change. For example, if registration or
insurance premiums go up. You’ll be given at least 14 days’ notice before the change starts.
If the change is important and affects your rights, the lessor will ask for your agreement first.
If the change is unfair or has a material impact on you, you may be able to end the lease early
without paying extra fees.
Is there anything I can do if I think that my lease is unjust?
Yes. You should talk to your lessor. Discuss the matter and see if you can come to some
arrangement. If that is not successful, you may contact the AFCA scheme.
THE AFCA SCHEME IS A FREE SERVICE ESTABLISHED TO PROVIDE YOU WITH AN
INDEPENDENT MECHANISM TO RESOLVE SPECIFIC COMPLAINTS. THE AFCA SCHEME
CAN BE CONTACTED AS FOLLOWS:
Australian Financial Complaints Authority
Website: www.afca.org.au
Email: Info@afca.org.au
Telephone: 1800 931 678 (free call)
In writing to: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001
Alternatively, you can go to court. You may also wish to get legal advice, for example from a
community legal centre or Legal Aid, and/or make a complaint to ASIC. ASIC can be contacted on
1300 300 630 or through ASIC’s website at http://www.asic.gov.au.
The goods
If my lessor writes asking me where the goods are, do I have to say where they are?
Yes. You have 7 days after receiving your lessor’s request to tell your lessor. If you do not have the
goods you must give your lessor all the information you have so they can be traced.
When can my lessor or its agent come into a residence to take possession of the goods?
Your lessor can only do so if it has the court’s approval or the written consent of the occupier which
is given after the occupier is informed in writing of the relevant section in the National Credit Code.
General
What do I do if I cannot make a rental payment?
Get in touch with your lessor immediately. Discuss the matter and see if you can come to some
arrangement.
- You can ask your lessor to change your lease in a number of ways —
- to extend the term of your lease and reduce rental payments; or
- to extend the term of your lease and delay rental payments for a set time; or
- to delay rental payments for a set time.
What if my lessor and I cannot agree on a suitable arrangement?
If the lessor refuses your request to change the rental payments, you can ask your lessor to review
this decision if you think it is wrong.
If the lessor still refuses your request, you can complain to the AFCA scheme that your lessor
belongs to. Further details about this scheme are set out below in question 12.
Can my lessor take action against me?
Yes but only if you’re in default under your lease. The lessor can take legal or recovery action if you
don’t meet your lease obligations (such as missed payments). However, under the National Credit
Code, you cannot be unduly harassed, threatened, or intimidated about rental payments.
If you feel you are being treated unfairly, you can contact the lessor’s external dispute resolution
service (such as AFCA), lodge a complaint with ASIC, or seek independent legal advice.
Do I have any other rights and obligations?
Yes. The law will give you other rights and obligations. You should also READ YOUR LEASE
carefully.
IF YOU HAVE ANY DOUBTS, OR WANT MORE INFORMATION, CONTACT YOUR CREDIT
PROVIDER. YOU MUST ATTEMPT TO RESOLVE YOUR COMPLAINT WITH YOUR CREDIT
PROVIDER BEFORE CONTACTING THE AFCA SCHEME. IF YOU HAVE A COMPLAINT WHICH
REMAINS UNRESOLVED AFTER SPEAKING TO YOUR CREDIT PROVIDER YOU CAN
CONTACT THE AFCA SCHEME OR GET LEGAL ADVICE.
Please keep this information statement. You may want some information from it at a later date.
Note:
All legislative instruments and compilations are registered on the Federal Register of Legislative
Instruments kept under the Legislative Instruments Act 2003. See http://www.frli.gov.au.
Last Updated: This document was updated and/or release in October 2025