Send us a mate.
Pocket $200.

1. You must be 18 or over and living in Australia.
2. The person you refer must also be 18 or over and living in Australia.
3. You can't refer yourself. The person you refer has to be someone other than you. We won't pay a referral where the referrer and the customer are the same person, or share a phone number or email address.
4. No arranged swaps. Referring someone on the understanding they'll refer you back, so you both claim a fee, isn't on. Neither is arranging the same thing through a third person.
5. Referring a partner, family member or housemate is fine, as long as it's a genuine referral and they've agreed to it.
6. This program is for individuals making occasional referrals. If you refer more than 10 people in any 12 month period, we'll need to put a written arrangement in place before we pay anything further, because credit law treats regular referrers differently.
7. AFH Finance employees and contractors, and their immediate family, aren't eligible.
8. You don't need to be an AFH Finance customer to refer someone.

9. We pay $200 for each settled loan that came from your referral.
10. The loan must be $10,000 or more. Smaller loans don't attract the fee, though we're still happy to help.
11. It's paid on settlement, meaning the loan is funded and drawn down. Approval on its own isn't enough, because deals do fall over afterwards.
12. We pay by bank transfer within 14 days of settlement. We'll contact you for your account details.
13. The $200 is a fixed amount. It doesn't change with the size of the loan, the type of loan, or which lender it goes to.
14. The $200 is the total amount payable and includes any GST that might apply.
15. There's no cap on how many people you refer, subject to the written arrangement threshold in clause 6.
16. Refinances and top-ups don't count twice. If someone you referred later refinances or tops up a loan we've already paid you for, no further fee is payable on that loan.
17. If someone you referred settles a genuinely separate loan later, that's a separate $200.

18. Car loans, caravans, boats, motorbikes, personal loans, and business or asset finance.
19. We don't write home loans, so those don't count.
20. The person you refer must be new to AFH Finance. No fee is payable if they're already a client, have an application on foot, or have enquired with us in the previous 30 days.
21. They need to engage within 60 days. If the person you refer hasn't made contact with us within 60 days of your referral, it lapses and no fee is payable.
22. The loan needs to settle within 12 months of your referral. After that the referral expires.
23. If more than one person refers the same customer, we pay whoever referred them first.
24. Our records decide attribution. Where there's any question about who referred whom, or whether someone was already known to us, our records are the deciding factor.

25. Ask them first. Only refer someone you've actually spoken to, who is happy for us to contact them.
26. Tell them about the $200. They need to know you'll be paid if their loan settles. This isn't optional, it's how we stay on the right side of the law.
27. Don't promise anything on our behalf. Don't tell people they'll be approved, quote them a rate, or suggest a particular loan or lender. Refer them and leave the rest to us.
28. Don't spam. No unsolicited messages, no bought contact lists, and don't refer people you don't actually know.
29. Give accurate details. Referrals with false, made-up or duplicated information won't be paid and may end your participation.
30. We may check. We can contact the person you referred to confirm they knew about the referral and agreed to it, and we can hold payment until we're satisfied. If they tell us they didn't agree, no fee is payable.

31. Sending a referral doesn't oblige us to act. We decide who we take on as a client, and we can decline to help anyone for any reason.
32. Nothing in this program guarantees that the person you refer will be approved, offered finance, or offered any particular rate, lender or product.
33. We may decide a loan isn't suitable for someone and choose not to proceed. That's our obligation under credit law, and no fee is payable in that case.
34. Lenders make their own decisions. We're not responsible for a lender declining an application, changing its terms, or withdrawing an offer.
35. No fee is payable if a referral doesn't settle, whatever the reason.
36. We may pause or end your participation if we think you've breached these terms. We'll tell you why in writing.
37. This doesn't make you part of AFH Finance. Referring people doesn't make you our employee, agent, contractor or partner, and gives you no authority to act or speak for us.

38. By sending someone's details you're confirming they've agreed to it.
39. We handle their information under the Privacy Act 1988 (Cth) and our Privacy Policy.
40. We keep a record of each referral, including the date, who referred whom, and the confirmations you ticked. We keep these records for seven years to meet our obligations as a credit representative.
41. Anyone can ask us to stop contacting them at any time by emailing admin@afhfinance.com.au.

42. Referral fees may count as assessable income. What you owe is between you and the ATO, so have a word with your accountant.
43. We don't withhold tax from referral payments.

44. We can change or end this program at any time by updating this page. Any referral you've already submitted before a change will be honoured under the terms that applied when you sent it.
45. Claim within 60 days. If you think a payment is owed and hasn't arrived, tell us within 60 days of the settlement date so we can sort it out.
46. Unclaimed payments. If we can't reach you for your bank details within 90 days of settlement, despite reasonable attempts, the fee is forfeited.
47. If bank details you give us are wrong and the payment goes astray, we're not liable for recovering it, though we'll help where we reasonably can.
48. If we think a referral is fraudulent or breaches these terms, we may decline to pay it. We'll tell you why in writing and you can dispute it by emailing us.
49. Nothing in these terms limits your rights under the Australian Consumer Law.
50. If any part of these terms turns out to be unenforceable, the rest still applies.
51. These terms are governed by the laws of Victoria, Australia.

AFH Finance Pty Ltd, ABN 30 633 575 005. We're an Authorised Credit Representative (548852) of Access Lending Group Pty Ltd, Australian Credit Licence 531308. We arrange car, personal and business finance. We are not a lender and we don't provide home loans.

Questions about this program: admin@afhfinance.com.au or 03 7031 6881.