Responsible lending

How credit information supports lending decisions

INOVIS assesses affordability, identity and repayment history before approving a loan. Information from the Dinau Control Centre (DCC), or another authorised credit-data source, may form part of that assessment where its use is lawful and disclosed to the applicant.

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What credit information is for

Credit information helps a lender understand existing commitments, past repayment behaviour and possible affordability risks. It is one input into an assessment—not an automatic promise or refusal.

Using reliable information can reduce over-borrowing and protect both the applicant and the shareholder capital used to fund approved loans.

Assessment process

A credit check should be clear, proportionate and reviewable

1Applicant is informedThe application explains what information is needed and why.

2Data is checkedIdentity, commitments and relevant credit history are reviewed.

3Affordability is assessedINOVIS considers the requested amount, repayments and policy limits.

4A decision is recordedThe outcome follows the applicable approval process and is communicated.

Need to ask about a credit check?
Email info@inovisfinance.com before applying if you want to know which provider may be used, what information may be requested, or how to challenge an error.