Information about our credit assistance services
Download Full Credit Guide (PDF)This Credit Guide is an important document which will help you understand who we are and what we do. It will explain how we get paid for the services we provide you. It will also explain what to do if you have a complaint and how we protect your privacy.
The business which has given you this Credit Guide is:
Brilliant Finance Group Pty Ltd
Brilliant Finance Group Pty Ltd (ACN 675 028 556) holds a credit representative number 556851 and operates under the Australian Credit Licence (ACL 387856) of:
QED Credit Services Pty Ltd
Australian Credit Licence Number: 387856
Our representative who will be providing you credit services is:
Jack Chen
Credit Representative Number: 492511
Our authorisation allows us to help you with:
We will work with you to understand your financial situation, objectives, and requirements, and then search our panel of lenders to find suitable loan options for your consideration.
We have access to a wide range of lenders. Our top 6 lenders by volume are:
A full list of lenders on our panel is available upon request. We recommend lenders based on your specific needs, not based on commission levels.
Brilliant Finance Group uses AI-assisted tools to enhance our service delivery. We only use enterprise-tier platforms with business confidentiality agreements that ensure your personal and financial information is never used to train AI models, shared with third parties, or accessible outside our practice.
We may use AI tools to assist with:
All AI-assisted outputs are reviewed by our qualified team members before being actioned or shared. The use of AI tools does not replace professional judgment or the personalised advice we provide to each client.
From Lenders: When your loan settles, we receive a commission from the lender. This is typically:
From You: We do not generally charge fees for our service. In rare circumstances where a fee may apply (such as complex commercial transactions), we will discuss this with you in advance and obtain your written agreement.
You are entitled to request particulars of our commission at any time.
If you have a complaint about our services, please contact us first:
Brilliant Finance Group Pty Ltd
If we cannot resolve your complaint to your satisfaction, you may refer the matter to our licensee:
QED Credit Services Pty Ltd
If the matter remains unresolved, you may contact the Australian Financial Complaints Authority (AFCA):
Australian Financial Complaints Authority
Online: www.afca.org.au
Email: info@afca.org.au
Phone: 1800 931 678 (free call)
Mail: GPO Box 3, Melbourne VIC 3001
We are committed to protecting your privacy. We collect personal information to provide you with credit assistance and will only use it for that purpose or as permitted by law.
For full details on how we handle your personal information, please read our Privacy Policy.
Brilliant Finance Group Pty Ltd
ACN 675 028 556
Credit Representative Number 556851
Authorised under Australian Credit Licence Number 387856 held by QED Credit Services Pty Ltd
Member of FBAA