1. Guarantor Provisions: Required when a guarantor is securing the loan, including guarantor obligations and acknowledgments

2. Early Repayment: Details early repayment options and any associated fees when the lender allows early loan settlement

3. Business Purpose Declaration: Required when the loan is for business purposes and falls outside consumer credit legislation

4. Co-borrower Provisions: Required when multiple borrowers are jointly taking the loan

5. Variable Interest Rate Terms: Required when the loan has a variable rather than fixed interest rate

6. Balloon Payment Terms: Required when the loan structure includes a balloon payment at the end of the term

7. Electronic Communication Consent: Optional section for borrowers to consent to electronic notifications and statements

1. Schedule 1 - Loan Terms: Detailed breakdown of loan amount, interest rate, term, payment schedule, and fee structure

2. Schedule 2 - Vehicle Details: Comprehensive vehicle specifications, including registration papers and inspection report

3. Schedule 3 - Payment Schedule: Amortization schedule showing all payments, interest, and principal allocations

4. Schedule 4 - Fees and Charges: Complete list of all applicable fees and charges

5. Appendix A - Direct Debit Request: Direct debit authorization form and terms

6. Appendix B - Credit Guide: Mandatory credit guide and information statement as required by NCCP Act

7. Appendix C - Insurance Requirements: Detailed insurance requirements and minimum coverage specifications