Last updated 27 October 2026
Who we are
Cinch Loans is a trading name of Additude Financial Services Pty Ltd (ABN 87 629 633 423), a credit representative (credit representative number 512780) authorised under Australian Credit Licence 389087 held by Australian Finance Group Ltd. You can reach us at admin@cinch.loans or on 0458 872 992.
General information only
Everything on this site is general information. It doesn't take into account your objectives, financial situation or needs, and it isn't credit advice or an offer of credit. Before acting on it, think about whether it suits you, and talk to a broker from our team. Your complete financial situation will need to be assessed before any lender accepts a proposal.
Interest rates, lending rules, government schemes and fees change often. We work to keep the site current, but some information may be out of date by the time you read it.
Calculators
Our calculators give estimates based on what you enter and on assumptions we explain beside each one. They aren't a promise of what a lender will approve or charge. Each lender makes its own assessment.
cinchi, our AI assistant
cinchi explains how home loans and finance work and points to the sources it used. It's an AI tool and it can get things wrong, so check anything important with a broker from our team before you rely on it. cinchi doesn't give personal credit advice or make any decision about you. When a question needs a person, it will offer to connect you with us.
Please don't share passwords, card numbers, tax file numbers or details about other people with cinchi. Our Privacy Policy explains how we store and use conversations.
Using the site
You agree not to misuse the site. That includes trying to break its security, overload it, copy content in bulk with automated tools, or use cinchi to produce anything unlawful or harmful. We may block access if someone does.
Our content
The text, graphics, calculators and other content on this site belong to Cinch Loans or the people who licensed them to us. You can view, print and share pages for your own use. Please ask before reusing our content anywhere else.
Reviews and examples
Client reviews and examples describe individual experiences. Your result will depend on your circumstances and the lender's assessment.
Other websites
We link to other websites, such as lenders, government agencies and news sites, because they're useful. We don't control them and aren't responsible for their content or privacy practices.
Our responsibility to you
Nothing in these terms limits your rights under the Australian Consumer Law or any other law that can't be excluded. Otherwise, to the extent the law allows, we aren't liable for loss that comes from relying on general information on this site, including calculator estimates and cinchi's answers, without getting advice about your own situation.
Changes and governing law
We may update these terms from time to time, and the version on this page applies when you use the site. These terms are governed by the laws of Victoria, Australia.
