Credit Guidelines

This Credit Guide gives you some important information about us, who we can lease to, how we assess your application, and how our complaints process works.

Who we can lease to

Carzie offers fixed-term consumer car leases, typically three to four years, to customers who may not qualify for traditional finance but need reliable transport. We are happy to consider applicants with a lower credit history. Before we can approve a lease, we look at your circumstances against our lease eligibility guidelines. To be eligible you generally need to:

• live within our service area, South-East Queensland, so we can deliver, service and support the vehicle;
• be at least 18 years of age and hold a current Australian driver licence;
• have a stable source of income, whether from employment or regular Centrelink payments;
• have enough income left over after your regular expenses to comfortably cover your weekly lease payments; and
• accept that the vehicle is GPS-tracked and immobiliser-equipped as a condition of approval.

Carzie leases are GPS-tracked and immobiliser-equipped for the life of the lease. By applying, you acknowledge and accept this condition.

What we must do before we can offer you a lease

We cannot enter into a lease with you unless we are sure it will suit your needs and that it is affordable. This means that before we enter into a lease, we need to understand your needs and objectives and ensure that you can meet your payment obligations under the lease. To do this we will:

• Ask you for details about your financial situation such as what you earn and what you spend.
• Take steps to check this information, such as asking for copies of documents and performing a credit check; and
• Use this information to assess whether the lease is unsuitable for you.

A lease will be unsuitable for you if it does not meet your needs or objectives, or if at the time you enter it, it is likely you will not be able to meet your financial obligations or could only meet them with substantial hardship.

Copy of the assessment

You can ask for a free copy of your written assessment of unsuitability any time up to 7 years from the date we enter into the lease with you.

If it is 2 years or less since you commenced your lease we will get a copy to you within 7 business days. If it is longer than 2 years we will provide you with a copy within 21 business days. We are not required to give you a copy of the assessment if we decide not to proceed with the lease.

If you have a problem or a complaint

Carzie aims to provide the highest customer service, which includes the handling of complaints. If you have a complaint about our services or our products we want to help you resolve it.

Step 1 - Contact us

Please call us on 1300 036 397. We appreciate there are times when our phones become particularly busy, so as an alternative use our contact page if more convenient for you, and we will do our best to resolve your issue.

Step 2 - Contact our Complaints Manager

If your complaint cannot be resolved through Step 1 and requires escalation, you can contact our Complaints Manager by email at complaints.manager@carzie.com.au. Our Complaints Manager will work with you to try to resolve your complaint. For further information on our customer dispute resolution process, please refer to our complaints page.

If we cannot resolve your complaint

If you are still not satisfied with the outcome of your complaint you can take it to our external dispute resolution provider, the Australian Financial Complaints Authority (AFCA). Their services are free of charge. AFCA can be contacted by free call on 1800 931 678, by email at info@afca.org.au, online at www.afca.org.au, or by writing to Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001.

Last reviewed June 2026.

Carzie Australia Pty Ltd is proudly part of Alpha Finance.

Carzie Australia Pty Ltd, Australian Credit Representative No. 573586, is an authorised representative of Alpha Car Finance Pty Ltd, Australian Credit Licence 411447.

ABN 48 688 516 289. AFCA member 43724.

Postal address: GPO Box 1185, Brisbane City QLD 4001.