Finance

Finance is available to approved customers.

To be eligible for a Lombard Visa Card, you must:

Be a permanent resident of Australia
Be a minimum of 18 years of age
Have a good credit rating
Currently employed full time, employed permanent part-time or permanent casual (25+ set hours per week) or earn over $25,000 gross per year.

View acceptable sources of income.

ACCEPTABLE INCOME

In order to qualify for finance, all applicants must be over 18 years of age, one or more of the applicants must be employed full time, employed permanent part-time or permanent casual (25+ set hours per week) or earn over $25,000 gross per year.

Lombard will accept the following sources of income:

PAYG Income
Consistent Overtime Income
Casual Income
Self Employed Income
Contract Income
Retired and Self-Funded Pensions
Compensation income (formal, guaranteed and on-going)
Defined Non-Taxed Income (Church, Nurse)
Government Tertiary Stipends
Declared Rent
Commission (12 month history required)
Bonus (exception basis via head of operations and above)
Investment Income
Allowance Income (Car, Remove Area, Shift)
Age, Widow, Family Benefit, Disability, Veteran Affairs, UK Pensions

Lombard will not accept the following sources of income:

Cash in Hand and other Illegal sources. Includes undeclared board/rent
Inconsistent Overtime
AuStudy, AbStudy, Scholarships
Sole/Single Parent Payments, Newstart, CDEF, Careers Pension, Unemployment Benefits^*
Child Maintenance or Child support
Trust Fund Income

* Only if these (Sole/Single Parent Payments, Newstart, CDEF, Careers Pension or Unemployment Benefits) are the sole source of
income.

What you will need to complete your application

What you will need to complete your application
Two forms or personal identification (such as current Australian Drivers licence or passport and Medicare card).
Details of your income, assets and liabilities
Accountant’s name and contact number (if self-employed)
Two personal references (not living at the same address)

View all forms of acceptable identification.

ACCEPTABLE IDENTIFICATION DOCUMENTS

To apply to Lombard Finance applicants will need the following identification;

Applicant 1 requires a sighted original Primary Photographic Identification Document (category A) and Secondary Document (category B)

Applicant 2 (if applicable) requires a sighted original source of Primary Photographic Identification (category A) only

CATEGORY A	PRIMARY PHOTOGRAPHIC ID SOURCES
Australian Photo Drivers Licence	This includes provisional drivers licences, but excludes Learners licences. The address must be the same as on the application.
Australian Passport (current)	A passport issued by the Commonwealth of Australia.
A passport issued by the Commonwealth of Australia.	Issued for the purpose of international Travel. It must contain the name and signature of the person for who it was issued. If it is not in English it must be accompanied by a translation from an accredited translator.
Proof of Age Card	A card issued by a State or Territory for the Purpose of proving one’s age.

CATEGORY B	SECONDARY ID SOURCES
Medicare Card	Must not be expired
Rates Noticeless than 3 months old)	Must contain the individual’s name and residential address and not be issued longer than 12 months ago
Centrelink Payment Summary	Must show name and current address of the applicant and not issued longer than 12 months ago
Public Service ID Card	Only for employees of the Commonwealth, State or Local Government
Tax Return Summary	Must show the name and current address of the applicant. Cannot be issued greater than 12 months ago
Gas, Telephone or Electricity Account (less than 3 months old)	Must contain the individual’s name and residential address.

As required by the Financial Transaction Report Act 1998 and the Anti – Money Laundering and Counter Terrorism Act. In the event that there is insufficient ID sources to meet this requirement, other forms of acceptable identification may be accepted by the Underwriting Manager

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