Last updated 7th July 2026
To provide our products and services, Auto Finance Direct Limited (“AFD”) works with a range of trusted organisations. Depending on the nature of your application or loan, we may collect personal information from, or disclose personal information to, these organisations to assess your application, administer your loan, meet our legal obligations and provide ongoing services.
We believe you should know who may receive your personal information and why. This guide has been prepared to help you understand how information is collected and shared throughout your relationship with AFD.
This page summarises the categories of organisations we may work with and the types of personal information that may be collected or shared. The organisations within each category may change from time to time as our business, products and service providers evolve. Where we collect personal information from third parties, we do so in accordance with the Privacy Act 2020.
Category of Organisation | Why we work with them | Information we may collect | Information we may disclose |
|---|---|---|---|
Motor Vehicle Dealers and Finance Brokers | To receive and process finance applications, supporting information and communicate lending decisions. | Application details, identification documents, vehicle information, income details and supporting documentation. | Lending decisions, settlement details and loan administration information. |
Credit Reporting Agencies | To assess creditworthiness, verify information and meet responsible lending obligations. | Credit reports, credit scores, repayment history and credit enquiry information. | Identification details and credit enquiry information required to obtain a credit report. |
Employers | To verify employment or income where required. | Employment status, income and employment verification. | Information necessary to verify employment where authorised. |
Government Agencies | To verify information, administer our services or comply with legal obligations. | Information relevant to your application or lending relationship. | Information where required or authorised by law. |
Other Credit Providers | To verify existing lending arrangements or assist with the assessment and management of your lending relationship. | Existing lending commitments and account information where authorised. | Information necessary to obtain or verify lending information. |
Banks and Payment Service Providers | To establish and administer loan payments and direct debit arrangements. | Banking information required to process payments. | Payment instructions and account information necessary to process transactions. |
Identity Verification Providers | To verify identity and comply with Anti-Money Laundering and Countering Financing of Terrorism (AML/CFT) obligations. | Identity verification results and supporting verification information. | Identification information required to complete identity verification. |
Insurance, Warranty and Ancillary Product Providers | To arrange, issue or administer products you choose to purchase in connection with your loan. | Product eligibility and policy information. | Information required to arrange, issue or administer the selected products. |
Debt Collection and Repossession Agencies | To manage overdue accounts, recover amounts owing and enforce our security where required. | Information relevant to recovery or enforcement activities. | Information necessary to recover amounts owing or repossess secured assets. |
Legal Advisers and Professional Advisers | To obtain legal or professional advice and protect or enforce our legal rights. | Advice or information relevant to your account where appropriate. | Information necessary to obtain advice or conduct legal proceedings. |
Technology and Cloud Service Providers | To host, maintain, secure and support our systems and technology services. | Generally none. These organisations process information on AFD’s behalf rather than providing personal information to us. | Personal information required to provide secure hosting, technology support and system administration services. |
Guarantors, Trustees and Authorised Representatives | Where applicable, to verify authority, administer lending arrangements and meet our legal obligations. | Identification, authority and contact information. | Information necessary to verify authority or administer the lending relationship. |
AFD only collects, uses and discloses personal information where authorised by you, permitted or required by law, or where necessary to provide our products and services.
We take reasonable steps to ensure that organisations handling personal information on our behalf protect your personal information in accordance with the Privacy Act 2020 and any contractual obligations that apply.
For more information about how AFD manages your personal information, please refer to our Privacy Policy.
