Incidental Credit Agreement Template for Australia

1. Security: Include when specific assets are provided as security for the credit

2. Guarantor Provisions: Required when a guarantor is involved in the credit arrangement

3. Insurance Requirements: Include when insurance is mandatory for the credit arrangement

4. Special Conditions: For any non-standard terms specific to the particular credit arrangement

5. Direct Debit Authority: Include when automatic payments are being established

6. Cooling-off Rights: Required for certain types of credit arrangements where cooling-off periods apply

1. Schedule 1 - Credit Details: Detailed breakdown of credit terms, fees, and charges

2. Schedule 2 - Payment Schedule: Detailed payment schedule including dates and amounts

3. Schedule 3 - Goods or Services: Description of the goods or services to which the incidental credit relates

4. Appendix A - Credit Information Statement: Mandatory information statement required under the National Credit Code

5. Appendix B - Fee Schedule: Comprehensive list of all applicable fees and charges

6. Appendix C - Direct Debit Request Form: Standard form for setting up direct debit payments if applicable