Legal
Credit guide
Last updated 5 November 2026
Our credit guide explains who we are, how we are licensed, how we are paid and how to complain. We give you a copy before we provide credit assistance. You can also ask for it at any time by emailing contact@thelendinglab.com.au.
Licensing
| Business | The Lending Lab Pty Ltd, ACN 651 936 337 |
|---|---|
| Credit Representative | 538291 |
| Broker | Nicholas Clunes, Credit Representative 530711 |
| Australian Credit Licence | 387856 |
How we are paid
Lenders usually pay us an upfront commission when a loan settles and may pay an ongoing commission while the loan is in place. We may pay referral fees to people who introduce clients to us. All of these are disclosed to you in writing before you go ahead. If we charge you a fee, we tell you the amount in writing before we start work.
Complaints
See our complaints page.