Terms Of Use

Welcome to www.myloanpaysme.com.au (the Website). Throughout the Website, the terms ‘We’, ‘Us ‘or ‘Our’ means NRA Capital One Pty Ltd ACN 623 028 240 trading as My Loan Pays Me. We are a Credit Representative (511420) of Finsure Finance & Insurance Pty Ltd ABN 72 068 153 926 Australian Credit License 384704.

We offer the Website, including all information, tools and services available from the Website to you, the user, conditioned upon your acceptance of these Terms and Conditions, the Privacy Policy and other policies contained elsewhere on the Website (collectively the "Terms of Use").

We may modify the Terms of Use at any time and any such modifications shall be deemed effective immediately upon posting on the Website. Your continued use of the Website shall constitute your acceptance of the modified Terms of Use and as such you should visit this page periodically to review the Terms of Use.


The information provided on the Website is for general education purposes only and is not intended to constitute financial, legal or tax advice. This Website has been prepared without taking into account your objectives, financial situation or needs.

Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy and we recommend you obtain financial or other professional advice, appropriate to your own circumstances.

We are not a credit provider and in giving you product information we are not making any suggestion or recommendation to you about a particular credit product. If you decide to apply or a product, you will deal directly with a financial institution or broker and not with our business. Product information should be confirmed with the contact you are dealing with and you should review any Product Disclosure Statement or credit contract before you decide.


By using the Website, you represent and warrant that you:

  • are at least 18 years of age;
  • are an Australian resident; and
  • will only use the Website lawfully.

A breach or violation of any of the terms of the Terms of Use may result in an immediate termination of any application you may have with Us or your ability to access Our products and services.


In addition to other prohibitions as set out in the Terms of Use, you are prohibited from using the Website or any of Our products or services in any way which We would consider inappropriate or which might bring Us into disrepute, including (without limitation):

  • for any unlawful purpose;
  • to solicit others to perform or participate in any unlawful acts;
  • to violate any regulation, rule, law, ordinance or the like;
  • to infringe upon or violate Our intellectual property rights or the intellectual property rights of others;
  • to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability;
  • to upload or transmit viruses or any other type of malicious code or technology that will or may be used in any way that will affect the functionality or operation of the Platform or Program or of any related website, other websites, or the Internet;
  • to collect or track the personal information of others;
  • to spam, phish, pharm, pretext, spider, crawl, or scrape;
  • circumvent or manipulate Our fee structure, the billing process, or monies owed to Us;
  • interfering with any other participant;
  • for any obscene or immoral purpose;
  • to interfere with or circumvent the security features of the Website or any related website, other websites, or the Internet; or
  • facilitating or assisting a third party to do any of the above acts.

We reserve the right to immediately terminate Your access to the Website for violating any of the prohibited uses.


You must take reasonable care and take sole responsibility to protect your own interests in respect of any product or service We may offer, including, but not limited to, satisfying yourself as to the appropriateness of any product or service to your personal circumstances.

We recommend that you obtain independent advice before acting on any information on Our Website or applying for any product or service.


Unless otherwise stated, any quote that you may obtain using the Website or any calculators on the Website are for illustrative purposes only. Any estimated interest rate, repayments and similar amounts are exactly that, an estimate only. Any actual interest rate, repayments and similar amounts will depend on the credit assessment conducted on your application. Terms, conditions, fees and charges may apply.

All results are based on information you have provided and do not take your personal circumstances into account.

Using the calculators or obtaining a quote does not guarantee you will be eligible for a loan or constitute an offer of credit. All applications for credit are subject to lender credit approval criteria.


While We use reasonable efforts to ensure that all information and calculators on the Website (Information) are accurate and up to date, the Information may become out of date from time to time. We do not give any warranty or representation as to the accuracy, validity, reliability, completeness, appropriateness or timeliness of the Information. The Information may contain inaccuracies or typographical errors. The use of this Website and the Information is at your own risk.


There may be security risks in sending information via the Internet. You should assess these potential risks when deciding whether to use Our Website, products and services.


You access and use the Website and its content at your own risk.

To the fullest extent permitted by law, We disclaim all warranties. We assume no liability or responsibility for, nor make any warranties or representations as to the accuracy, validity, reliability, completeness or timeliness of any Information on the Website. In no event shall We, or any of our affiliates or any other party involved in creating, producing or delivering the Website be liable for any damages (including without limitation, direct, incidental, consequential, indirect or punitive loss or damages, or damages resulting from lost profits, lost data or business interruption) arising out of your access to, use of or inability to access or use, the Website or any errors or omissions in the Website’s content or functionality.

Where Our liability for a breach of a condition or warranty implied in law or otherwise cannot be excluded, Our liability is limited, to the extent possible, at Our discretion, to:

  • the resupply of the products or services;
  • the repair of the products or services; or
  • the payment of the cost of having the goods or services resupplied or repaired.


We respect the privacy of users and have created a Privacy Policy that sets out your rights and responsibilities regarding personal information disclosed on the Website. Please read Our Privacy Policy for more information.


You agree to indemnify, defend and hold harmless Us, Our affiliates, officers, directors, employees, agents, suppliers and third-party partners from and against all losses, expenses, damages and costs, including reasonable solicitor’s fees resulting from any violation by you of the Terms of Use.


All material displayed on the Website including logos, text, graphics, names, design and related tag-lines and service marks are protected by copyright owned by Us and are the intellectual property of Us, unless otherwise indicated.

All content and publications may only be downloaded or reproduced for personal use and copies may only be given to others for their personal use. All reproductions must identify Us as the owner of copyright. We may revoke such privilege at any time with or without notice for any reason.


Certain links on the Website may lead to resources located on other websites that are not maintained or controlled by Us. Such links are provided merely for your convenience and We are not responsible for the content of any referenced websites or for the availability of access to such websites.

Inclusion on the Website of any link to another website, or any reference to any product or service by trade name, Trademark, manufacturer or otherwise does not constitute or imply an endorsement or recommendation by Us.

Access to other websites linked to the Website is at your own risk and We are not responsible for the accuracy, relevancy, legality, or decency of any content or material contained on any other website and We further disclaim all liability regarding access to such linked websites.


  • Headings used in the Terms of Use are included for convenience only and will not limit or otherwise affect their meaning.
  • The failure of Us to exercise or enforce any right or provision of the Terms of Use shall not constitute a waiver of such right or provision.
  • If any clause or provision of the Terms of Use is determined to be illegal, invalid or unenforceable under present or future law, then, you acknowledge and agree that the clause or provision so determined to be illegal, invalid or unenforceable shall be severable without affecting the enforceability of the remaining clauses or provisions.
  • All references to dollars are to Australian dollars.
  • These Terms of Use shall be governed by the laws of New South Wales, Australia.

Should you have other questions or concerns about our Privacy Policy, You can Chat With Us Now, Email us at support@myloanpaysme.com.au or contact us on 1300 LO RATE / 1300 567 283.

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