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What is Credit Sense?
Credit Sense is a service used by Enterprise Motor Group (EMG) to facilitate automatic bank statement retrieval during the loan application process.
Credit Sense is an Australian owned and operated company based in Brisbane and is used by a number of leading Australian and New Zealand lenders to ensure that credit provider assessments of customer transaction histories are consistent, fair, compliant and efficient.
New Zealand credit providers such as EMG are obligated to make reasonable inquiries about their customer’s personal situation and be satisfied that the products they are offering are suitable. This enables EMG to engage our customers with a clearer understanding of their financial situation and more accurately assess the suitability of our products for our customers. Credit Sense assists EMG in complying with all obligations to our potential customers required by law under the Credit Contracts and Consumer Finance Act 2003.
During the EMG finance application process you will be asked to input your online banking details so that a summary of the last 90 days of transactions on your bank statement can be retrieved for automatic analysis.