Information and advice
Credit and loans
Understand your consumer rights when it comes to credit and loans, including contracts and your credit rating. Get tips to use credit well and find out what to do if things go wrong.
Personal loans and the alternatives to high-cost credit
Personal loans can be a good alternative to credit cards, but high-cost credit can keep you in debt. Check our advice to help you make good decisions when it comes to borrowing.
Gift cards and vouchers
Everything you need to know about your rights when buying and using gifts cards and vouchers in NSW and what to do if there’s a problem or you want a refund.
Leasing or renting goods
Many stores let you rent electrical appliances, computers and household goods. Here’s what you need to know before signing a lease, and what to do if things go wrong.
Lay-by
Lay-by can be a good way to pay in instalments, without going into debt. Our advice will help you weigh the pros and cons, and understand lay-by contracts.
When things go wrong
Disputing credit or debit card transactions
You may be able to reverse a transaction on your card if something is wrong with the product, service or the payment itself. Here’s what you need to know.
Help if I can't pay
Struggling to pay your loans, debts or bills? Find information, resources and services to help with your specific situation.
Debt collection and repossession of goods
What to know if you’re approached by a commercial agent to collect a debt, repossess goods or serve legal documents.