Last updated: 11 April 2026
1. About Roam Finance
Roam Finance is a trading name of Capital Cove Investments Pty Ltd (ABN 77 620 694 644), a related company of Simplify Asset Finance Pty Ltd (Credit Representative No. 551200), Credit Representative of COG Aggregation Pty Ltd (Australian Credit Licence 389527).
Authorised Credit Representative: James Cerolini (No. 551373).
We act as a credit assistance provider. We do not lend money directly. We help you find and apply for credit products through our panel of lenders.
2. General Information Only
The information on this website is general in nature and does not take into account your personal objectives, financial situation, or needs. It should not be taken as financial advice, a recommendation, or an offer of any particular credit product.
Before making a decision about any credit product, you should consider whether it is appropriate for your circumstances and read the relevant product disclosure documents. We recommend seeking independent financial, legal, or tax advice where appropriate.
3. Credit Assistance
When we provide credit assistance, we are required to:
- Act in your best interests
- Provide you with a Credit Guide before providing credit assistance
- Make reasonable inquiries about your financial situation, requirements, and objectives
- Assess whether a proposed credit contract is not unsuitable for you
- Provide you with a preliminary assessment if requested
We do not guarantee approval of any credit application. Approval is subject to the lender’s assessment of your individual circumstances.
4. Interest Rates and Fees
Interest rates, fees, and charges referred to on this website are indicative only and are subject to change without notice. Actual rates depend on your individual credit profile, the lender, and the specific product you apply for.
Where comparison rates are displayed, they are calculated based on a secured loan of $30,000 over 5 years. WARNING: This comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees and early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
5. How We Are Paid
Roam Finance receives a commission from the lender when your finance application is approved and settled. This commission is paid by the lender, not by you. The commission varies between lenders and products. Full details of commissions are disclosed in your Credit Guide and Credit Proposal.
6. Privacy
We collect personal information to assess your finance needs and submit applications to our lending partners. Your information is handled in accordance with our Privacy Policy and the Australian Privacy Principles under the Privacy Act 1988.
We will not share your personal information with third parties except as required to process your application, or as required by law.
7. Website Use
The content on this website is protected by copyright. You may access and use this website for personal, non-commercial purposes only. You may not reproduce, distribute, or modify any content without our written permission.
We make reasonable efforts to ensure the information on this website is accurate and up to date, but we do not warrant that it is complete, current, or free from errors.
8. Limitation of Liability
To the extent permitted by law, Roam Finance, Capital Cove Investments Pty Ltd, and their directors, employees, and agents are not liable for any loss or damage arising from your use of this website or reliance on any information provided.
This limitation does not apply to any rights you may have under the Australian Consumer Law that cannot be excluded.
9. Credit Risk Warning
Important: Taking on a credit contract is a significant financial commitment. Before entering into any credit contract, you should ensure you can meet the repayment obligations. Failure to repay a credit contract may result in additional fees, damage to your credit rating, repossession of secured assets, and legal action.
If you are experiencing financial hardship, contact us or your lender as soon as possible to discuss your options.
10. Complaints
If you have a complaint about our service, please refer to our Complaints & Dispute Resolution page. We are a member of the Australian Financial Complaints Authority (AFCA). AFCA Member Number: 102026.
11. Contact
Roam Finance
Phone: 0428 074 112
Email: james@roamfinance.com.au
Post: PO BOX 630, Werribee VIC 3030