Product & Policy

• When does Azora run a credit-check on my client?
• Which industries are excluded from lending?
• What are the requirements for a Mid-Term Refinance?
• What documentation is required to refinance a loan with an existing balloon payment?
• Is the Rideshare and Taxi industry an acceptable sector for lending?
• What are the age requirements for customers?
• How long does a conditional approval last?
• Do you accept grey import vehicles as security?
• What are the policy guidelines for loans with a balloon payment?
• Can you finance a repairable write-off vehicle?
• What are the guidelines for a Sale and Buy-Back transaction?
• What is the minimum income or turnover required for a loan?
• What is the maximum age allowed for a financed asset?
• How are applications for a Director's car assessed?
• What is the maximum total exposure (total lending) allowed per customer?
• What are the payment schedule options?
• What is the minimum loan size?
• Do you fund loans that include negative equity from a previous loan?
• How do you treat an unencumbered (owned outright) property?
• What are the minimum and maximum loan amounts?
• Does Azora finance private sales or refinance existing assets?
• What loan products does Azora offer?
• What is the minimum ABN age required for commercial loan applications?
• What is the commission dial-down policy?
• Do you accept customers who have defaults or judgments on their credit file?
• What additional documents do I need to upload with the application?
• Does Azora accept spousal property?
• What are the lending criteria for Tertiary (Category C) assets?
• What is Azora’s comparable credit policy?
• Is the application fee capitalised into the loan amount?
• Can you have more than one asset on a contract?
• Can Streamline be used with defaults?
• What credit score does Azora use?