Rate Disclaimer

by | Aug 30, 2020

COMPARISON RATE WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. The comparison rates are based on a loan amount of $150,000 over a loan term of 25 years.

Joy Finance is the trading name of Joy Finance Pty Ltd, Australian Credit Licence Number 518215. We will never sell your email address to any 3rd party or send you nasty spam. Promise.

EXAMPLE: This example is current as at 20th October 2016. A NAB Online Principal and Interest Loan of $150,000 over 25 years has monthly repayments of $767. This is calculated based on the interest rate of 3.69%, comparison rate of 3.69%, upfront fees of $0 and annual fees of $0.

IMPORTANT INFORMATION: Loan Terms of between 1 Year and 40 Years are available subject to lender and credit criteria. Maximum Comparison Rate will not exceed 14.99% (see Comparison Rate Warning above). Any calculations or estimated savings do not constitute an offer of credit or a credit quote and are only an estimate of what you may be able to achieve based on the accuracy of the information provided. It doesn’t take into account any product features or any applicable fees. Our lending criteria and the basis upon which we assess what you can afford may change at any time without notice. Savings shown are based on user inputted data and a loan term of 30 years. All applications for credit are subject to lender credit approval criteria.

Joy Finance is a privately owned and operated Aussie business. Our mission is to make people in Australia finance with joy. Although Joy Finance compares over 1000 products from over 30 lenders, we don’t cover the whole market or compare all features and there may be other features or options available to you. While Joy Finance is 100% owned by Founders and Employees, we have also been supported by One Minute Tax Pty Ltd, a leading Melbourne based accounting firm, and we may share your finance information with them.

Joy Finance Pty Ltd | Level 21, 567 Collins Street, Melbourne VIC 3000 | Ph: 03 8595 0666