Before applying for credit with IVF Pay, please read this document carefully. Borrowing money is a significant financial commitment and it is important that you understand your obligations and the risks involved.
Taking out a personal loan creates a legally binding obligation to repay the amount borrowed, together with interest and fees, over the agreed loan term. You are required to make regular repayments regardless of changes in your personal or financial circumstances.
Before applying, carefully consider whether you can comfortably meet your repayments now and in the future. You should only borrow what you genuinely need. Borrowing more than necessary increases the total cost of your loan and the risk that you may experience financial difficulty.
Events such as changes in employment, reduction in income, illness, relationship breakdown, or unexpected expenses can affect your ability to meet repayments. Consider how you would manage your loan repayments if your circumstances changed before committing to a loan.
The total amount you repay over the life of your loan will be greater than the amount you borrow, due to interest and fees. This includes the establishment fee, monthly account keeping fees, and accrued interest. Use our repayment calculator to understand the full cost of your loan before you apply.
If you fail to make repayments on time, you may incur default fees and additional interest charges. Your default may also be listed on your credit report, which can affect your ability to obtain credit in the future. In cases of serious default, IVF Pay may take recovery action, which may include engaging debt collection services or legal proceedings.
We encourage you to seek independent financial or legal advice before entering into a credit contract. A financial counsellor can help you understand your options at no cost. Free financial counselling is available through the National Debt Helpline on 1800 007 007 (Mon–Fri, 9:30am–4:30pm).
ASIC's Moneysmart website (moneysmart.gov.au) contains free, independent information about personal loans, budgeting, and managing debt that you may find helpful before applying.
If you experience financial difficulty at any time during your loan, you have the right to apply for hardship assistance under the National Credit Code. Contact us as soon as possible at admin@ivfpay.au or 1800 800 470 — we will work with you to find a solution.
If you have a complaint about our products or services, please contact us in the first instance at admin@ivfpay.au. If your complaint is not resolved to your satisfaction, you may contact the Australian Financial Complaints Authority (AFCA) — a free, independent dispute resolution service — at afca.org.au or on 1800 931 678.
IVF Pay Pty Ltd · Australian Credit Licence 576437 · Gold Coast, Queensland
This document was last reviewed May 2025. Lending is subject to credit assessment and approval. This document does not constitute financial advice.