If you have taken credit or a loan within the last 10 years there's a good chance we can get you back a substantial refund

We’ve helped thousands of Aussies get a refund for “junk insurance” that has been incorrectly or unknowingly attached to their credit cards or loans.

Professional Advice

Our team of experts have years of experience in getting back the refund that's owing to you.

Highly Regulated

We are proud holders of an AFSL [519282] issued by ASIC, and Members of AFCA (74959).

Transparent

We keep you informed on the progress of your claim every step of the way.

Support

Our dedicated support team is here to guide you through every step of the process.

Did You Know?

Many loans and finance agreements have been supplied with Consumer Credit Insurance (CCI) or Loan Protection Insurance (LPI) policies. These insurance policies have often been mis-sold.

Fill out our simple questionnaire today to find out if you might be eligible…

Are you one of the millions of consumers that may have been sold insurance add-ons offered that you did not need or were actually ineligible to claim for?Enforcement action taken by ASIC in recent years against insurers has provided a green light for consumers to potentially claim a refund (ranging from a few $100 to $10,000) of insurance premiums.

Fill out our simple questionnaire today to find out if you are eligible…

About Us

Over Ten Years Experience

We are an Australian company who pride itself on finding extra funds for our customers in the most efficient and effective way possible.

With over 10 years experience in facilitating refunds back from the big banks and financial institutions we know how to maximise your refund with minimal effort from you.

ASIC Regulated

We hold our own Australian Financial Services Licence.

Australian

Owned and Operated.

What exactly is?

Consumer Credit Insurance

Consumer credit insurance is often sold alongside an application for a mortgage, a credit card or a personal loan. It is supposed to provide cover in circumstances where you are unable to pay off your debt due to extreme situations such as a death in the family, involuntary employment or permanent disability. While CCI may also provide additional coverage, including cases of fraud or travel protection, many claims are either not granted or already covered by other types of insurance. If you’ve been pushed into accepting CCI add-ons in the last 10 years, our experts are on hand to get you the refund you deserve. 

Junk Insurance

The Banking Royal Commission which investigated Misconduct in the Banking, Superannuation and Financial Services Industry in 2018 found that many of Australia’s top Lenders, including “The Big Four” had been attaching unnecessary and worthless insurance products to loans and credit cards – effectively ripping off their customers. These unnecessary insurance products which were sold as add-ons are often referred to as “junk insurance”. There’s a very good chance that you may have unknowingly purchased “junk insurance” when taking out a car loan, credit card, home loan or personal loan. Premiums may have been unnecessarily paid totally thousands of dollars, which you are entitled to get back!

Start your no obligation, free eligibility check now!

It's As Easy As...

1

Online assessment

Login to our easy to use online portal, answer a series of simple to follow questions. We conduct a review of your application and will let you know whether you are entitled to claim a refund.

2

We process your claim

Our team of experts know how to get you the maximum refund possible. We remove all the stress of dealing with your claims and liaise with the banks and financial institutions for you. 
 

3

You receive your refund!

Refunds typically range anywhere between $100 and $20,000, depending on the length of your loan and the type of insurance policy which was attached to it. No win no fee
 
 

What our customers are saying about us

Paige Happy Customer

Saw this ad pop up on Facebook... Thought stuff it, may as well see. Erefunds were prompt, kind and efficient. Ended up getting the refund too! 5/5 stars

Sue Happy Customer

The whole process was so easy from start to finish. I was kept in the loop the entire time with how my claim was progressing. The refund was higher than expected which was fantastic, thanks eRefunds!

Linda Happy Customer

Highly recommend! Super easy and really friendly staff. Did not think i was owed anything and got $700 back on my credit card. Thank you!

Kerry Happy Customer

Quick and efficient service great communication one of my claims was completed in 2 weeks .Thank eRefunds.

    Typical insurance policies that are often mis-sold with loans...

    Consumer credit insurance is often sold alongside an application for a mortgage, a credit card or a personal loan. It is supposed to provide cover in circumstances where you are unable to pay off your debt due to extreme situations such as a death in the family, involuntary employment or permanent disability. While CCI may also provide additional coverage, including cases of fraud or travel protection, many claims are either not granted or already covered by other types of insurance. If you’ve been pushed into accepting CCI add-ons in the last 10 years, our experts are on hand to get you the refund you deserve. 

    Tyre and rim insurance are frequently offered by car dealers with the intention of covering the costs of damage to your vehicle’s wheels. 

    It’s important to realise that TRI is sold in addition to car insurance and that, although it covers issues such as debris or pothole damage, it doesn’t include a tyre’s normal wear and tear.

    Before accepting TRI, consider whether replacing your tyres and rims from time to time may end up being cheaper. 

    If you are one of the millions of people that may have inadvertently been mis-sold or pressured into accepting TRI within the last 10 years, reach out to one of our experts. We can handle your refund claim today.

    Loan protection insurance is regularly sold alongside loan applications and is intended to cover you in unforeseen circumstances that mean you suddenly cannot afford the monthly costs. If you lose your job or become ill, LPI is meant to help you to avoid financial difficulties repaying your loans.

    Although LPI has its benefits, be wary of the fact that many policies fail to cover the full cost of the outstanding debt and consider that in some cases your instalments may be discontinued after a certain amount of time. 

    Always think twice before agreeing to accept LPI. If  you have unknowingly agreed to take out loan protection insurance, contact our readily available team to reclaim your rightful money today.

    A warranty is a kind of guarantee on the performance of a product. If there is a problem with the merchandise you have purchased, you can get it repaired or exchanged for a limited duration. 

    Customers can also buy an extended warranty for more coverage, a longer time frame for repairs, and extra peace of mind however sometimes warranties are added on when there is no added benefit to the consumer.

    If you believe you’ve been mis-sold a warranty policy or sold one which was superfluous to your needs, reach out to our experts and let us handle the refund you deserve.

    How will you spend your refund?