Creditcrest Portal

An account your borrowers understand at a glance, on any phone.

One account. A clear view.

The borrower’s account: balance, next repayment, payments, hardship and documents.

What you do here. See the account an example borrower sees: what is owed, what is overdue, the next repayment and their rights.

Try it end to end Take the tour

You bring: The lender’s ledger for one account
You get: Owed, overdue, the next repayment, and the borrower’s rights
Holds the line: Messages only where s 133CF and consent allow

Example Lending — your loan LN-EXAMPLE

You owe $1,039.99.

$240.01 of that was due and has not been paid. The oldest unpaid repayment was due on 1 December 2026.

To pay off the loan on 15 December 2026: $1,039.99. The amount required may change according to the day it is paid. Ask in writing and your lender must give you a written statement of the amount, as at the day you choose, within seven days.

Your rights

If you cannot make your repayments

Tell your lender, by phone or in writing. That is a hardship notice, and your lender must respond to it within set times. Call 1300 000 001 (invented).

The law, as written — National Credit Code s 72(1)

If a debtor considers that he or she is or will be unable to meet his or her obligations under a credit contract, the debtor may give the credit provider notice (a hardship notice), orally or in writing, of the debtor’s inability to meet the obligations.

A payout figure

Ask in writing for the amount needed to pay off the loan on a day you choose; you get it in writing within 7 days.

The law, as written — National Credit Code s 83(1) to (3)

A credit provider must, at the written request of a debtor or guarantor, provide a written statement of the amount required to pay out a credit contract (other than a continuing credit contract) as at such date as the debtor or guarantor specifies. If so requested, the credit provider must also provide details of the items which make up that amount. … The statement must also contain a statement to the effect that the amount required to pay out the credit contract may change according to the date on which it is paid. … A credit provider must give a statement, complying with this section, within 7 days after the day the request is given to the credit provider.

A copy of your contract

You are entitled to a copy of the contract you signed.

The law, as written — National Credit Code s 20(1) and (2)

If a contract document is to be signed by the debtor and returned to the credit provider, the credit provider must give the debtor a copy to keep. … A credit provider must, not later than 14 days after a credit contract is made, give a copy of the contract in the form in which it was made to the debtor.

A copy of the assessment

Ask for the written assessment your lender made before lending; it is free, and due within 7 business days if you ask within two years.

The law, as written — National Credit Act s 132(2)

If, during the period that: (a) starts on the day (the credit day) the credit contract is entered or the credit limit is increased; and (b) ends 7 years after that day; the consumer requests the licensee for a copy of the assessment, the licensee must give the consumer a written copy of the assessment: (c) if the request is made within 2 years of the credit day—before the end of 7 business days after the day the licensee receives the request; and (d) otherwise—before the end of 21 business days after the day the licensee receives the request.

If you have a complaint

Complain to your lender first. If it is not resolved, the Australian Financial Complaints Authority can help: AFCA, 1800 931 678, afca.org.au.

What has happened on the account

Day	What	Amount	Balance
1 October 2026	Loan paid to you	$1,000.00	$1,000.00
1 October 2026	Establishment fee	$200.00	$1,200.00
1 November 2026	Monthly fee	$40.00	$1,240.00
1 November 2026	Repayment received — thank you	$-240.01	$999.99
1 December 2026	Monthly fee	$40.00	$1,039.99
1 December 2026	Repayment received — thank you	$-240.01	$799.98
3 December 2026	A payment was returned by your bank	$240.01	$1,039.99

Example Lending Pty Ltd, ABN 00 000 000 000, Australian Credit Licence 000000 (an invented number). An invented lender, for the example.

What this borrower may be sent

Decided in a fixed order — the law, the person’s own choices, their circumstances, the journey, frequency, the channel — and a message stopped on one channel is not quietly moved to another.

Message	Sent?	Why
A reminder about the missed repayment, by text, to a verified number	yes	Every rule allows it.
An offer of a new small amount loan to this same borrower, who consented to marketing	no	An offer of, or invitation to apply for, a small amount credit contract to somebody who has held or applied for one — unsolicited — is prohibited by s 133CF.
Any marketing while the borrower has a hardship arrangement	no	The person has a hardship matter; no marketing is sent.
A text to a number nobody verified	no	The person’s sms has not been verified. Nothing is sent to an address nobody proved belongs to them.

National Credit Act s 133CF(1)A licensee must not make, or arrange for the making of, an unsolicited communication to a consumer (whether orally, in writing or by electronic means) that contains: (a) an offer to the consumer to enter into a small amount credit contract; or (b) an invitation to the consumer to apply for a small amount credit contract; if any of the following apply: (c) the consumer is, or has at any time been, a debtor under a small amount credit contract with the licensee; (d) the consumer has at any time applied for a small amount credit contract with the licensee; (e) the consumer: (i) is, or has at any time been, a debtor under a small amount credit contract with another credit provider; or (ii) has at any time applied for a small amount credit contract with another credit provider; and a reasonable person in the licensee’s position would, if the person undertook such inquiries as are reasonable in the circumstances, be aware of the matter in subparagraph (i) or (ii) (whichever applies).

Section 133CF(4): if a contract is entered within 30 days after such a communication, the consumer is not liable for, and may recover, the fees and charges s 31A(1)(a) to (d) of the Code permit.

The reminder, as it would be sent

Example Lending: a repayment of $240.01 due 1 December 2026 has not been received. If you are having trouble paying, call 1300 000 001. Asking for help is free.

1 text message, from template repayment-missed version 1.

Reminders that stop

application resume

A saved application left for 45 minutes gets an email, then a text a day later, and never a third. It stops when the application is submitted, withdrawn or expires, or the person opts out.

contract unsigned

A contract the lender has offered and the borrower has not yet signed gets an email and then a text a day later. It stops when the contract is signed, the offer lapses or is withdrawn, or the decision changes. It may not say funds are reserved or create urgency.

arrears support

A missed repayment gets a service message with the amount, the day, how to fix an error and how to ask for hardship help — then a text three days later, and no more under this journey. It stops once the ledger shows the arrears cleared or a hardship notice is received. It is not marketing and never offers new credit.

payout confirmation

A loan paid out gets one message confirming it, and, where money is owed back, when it will be returned.

post-loan feedback

One request for feedback a week after a loan closes, with no incentive tied to borrowing again. Feedback is kept out of any credit assessment.

returning customer

Marketing to a former customer: express consent, no hardship, complaint or vulnerability, at most one message a period — and for a small amount lender, s 133CF stops it for anybody who has held or applied for one, which is almost everybody this journey is for.

Every reminder goes through the rules above, like any other message.