About the NCPA

The National Credit Providers Association (NCPA) is the peak national industry body representing the Small Amount Consumer Lending Industry in Australia. NCPA represents companies that provide Small Amount Credit Contracts (often called SACCs, or Small Amount Loans) and Medium Amount Credit Contracts (called MACCs, or Medium Amount Loans). Our members are all ASIC-licensed credit providers, who operate from nearly 300 retail locations across Australia and via dedicated online platforms.

NCPA takes very seriously its role of driving self-regulation of the industry, by assisting and guiding lenders in the provision of fair and safe credit under the National Consumer Credit Protection Act 2009. Most importantly, NCPA strives to promote and protect the rights of customers by ensuring lenders are applying responsible lending practices. NCPA represents organisations that apply responsible lending obligations under their ASIC credit licence and operate within the federal government’s strict legislation and regulations in the SACC industry.

NCPA and its Members are committed to working with ASIC in an open and transparent manner to continue improving the performance of the industry and ensuring that where there are legitimate complaints that they are addressed quickly and in favour of the consumer. NCPA continues to work closely with our members, policy makers, and consumer advocacy groups to maintain a viable small loans industry that provides responsible lending and vital financial inclusion to around 1 million Australians a year. Small Loans, Big Need is an industry-led initiative in response to the government review, as we seek to have an open and honest discussion about small loans, so that all Australians can understand the true nature of small loans, and the big need that exists for them.

‘Our industry provides a fair go to Australians who sometimes find themselves financially excluded from the banks even though they can afford to repay a small loan’