Credit and money
Obtaining credit and providing loans in Western Australia
Laws about credit in Western Australia are defined in two major pieces of legislation (“Acts”):- The Consumer Credit (Western Australia) Act 1996, which relates primarily to consumers; and
- The Credit (Administration) Act 1984, which regulates credit providers.
Information for Consumers and Businesses
This section of the website includes information about how WA's credit laws apply in practice, both to consumers and to businesses or individuals providing credit.
- For consumers, it explains how credit works, discusses kinds of credit available and how to obtain them, and talks about managing debt and dealing with financial difficulty.
- For businesses, it explains legal obligations, licensing, fees and the benefits of the uniform Code.
For more information, please refer to the department's extensive list of Publications.