Verify AFSL status · Check credit licences · Look up DCE/VASP & remittance providers
Australian Credit Licence Search
4,427 registered
AFSL Search is an independent lookup tool using public register data. It is not the official ASIC register.
About Australian Credit Licence Search
Free Australian Credit Licence search and ACL lookup — find a credit licensee by name, credit licence number, ABN or ACN and review the licence status and authorisations on the public ASIC credit register.
Use this Australian Credit Licence search to find an ACL holder, run a quick credit licence lookup, and check whether a credit licensee is current, suspended or cancelled. The credit register here covers every Australian Credit Licence on the public ASIC dataset.
Search the credit licence register by business name, credit licence number, ABN or ACN. Records are refreshed monthly from the public ASIC credit licence register — for high-stakes verification, also confirm via ASIC Connect.
What is an Australian Credit Licence (ACL)?
An Australian Credit Licence (ACL) is issued by ASIC under the National Consumer Credit Protection Act 2009. An Australian Credit Licence authorises a business to engage in consumer credit activities — providing credit, suggesting credit contracts, or acting as an intermediary such as a mortgage broker or finance broker. Every ACL appears on the public credit licence register with a unique credit licence number, status and the credit activities it authorises.
What an Australian Credit Licence authorises
A credit licence typically authorises providing consumer credit, suggesting or assisting with credit contracts, lessor activities under consumer leases, or acting as a credit representative intermediary. The exact authorisations on any specific ACL are set out in the credit licence conditions — open the credit licensee record to see them.
Who typically holds an Australian Credit Licence
Banks, non-bank lenders, mortgage brokers, finance brokers, mortgage managers, consumer lessors and aggregator groups are the most common Australian Credit Licence holders. Credit representatives operating under an ACL also appear in the public credit representatives register.
How an Australian Credit Licence differs from an AFSL
An Australian Credit Licence covers consumer credit activities under the National Consumer Credit Protection Act, while an AFSL covers financial products and services under the Corporations Act. Both are issued by ASIC, and many businesses hold both an AFSL and an ACL. See our guide on AFSL vs credit licence for the full comparison.
How to use this Australian Credit Licence search
Every row in the credit licence register below is a clickable ACL record. You can refine the credit licence search by state, paginate through results, or open a credit licensee detail page to see the full Australian Credit Licence record, authorisations and linked credit representatives.
Search by credit licensee name
Type the business name of the credit licensee into the search box to run an Australian Credit Licence lookup across the credit register. The same search box also covers AFSL holders, DCE registrations and remittance providers — useful when a business holds multiple Australian licences.
Search by credit licence number, ABN or ACN
If you already have a credit licensee's ACL number, ABN or ACN, the search box accepts all three identifiers and resolves directly to the matching Australian Credit Licence record on the credit register.
Filter the credit licence register by state
Use the state filter above the table to narrow the credit licence register to a specific Australian state or territory. Handy when you need a credit licensee with a presence in a particular jurisdiction.
About the Australian Credit Licence register data
This Australian Credit Licence register is sourced from the public ASIC credit licence dataset and refreshed monthly. The footer of every page shows the latest data refresh date applied across the site.
Source and refresh of the credit register
ACL data is normalised from the public ASIC credit licence register. Credit licence status, conditions and authorisations mirror what ASIC publishes — we do not edit or override regulator decisions on any Australian Credit Licence.
Officially verifying an Australian Credit Licence
For high-stakes confirmation of an ACL — onboarding, KYC, counterparty checks — always verify on ASIC Connect. AFSL Search is an independent credit licence lookup tool, not the official ASIC credit register.
Monitor a credit licensee for changes
Subscribe to free monitoring to receive an email when an Australian Credit Licence is granted, suspended, varied or cancelled. Useful for brokers, aggregators, compliance teams and counterparties tracking credit licensees over time.
Frequently asked questions
How do I check an Australian Credit Licence?
Type the business name, ACL number, ABN or ACN of the credit licensee into the search box, open the matching record, and review the credit licence status, conditions and authorised credit activities on the ASIC credit licence register.
What activities does an Australian Credit Licence cover?
An Australian Credit Licence covers consumer credit activities under the National Consumer Credit Protection Act — providing credit, suggesting or assisting with credit contracts, mortgage and finance broking, and consumer leasing. Each ACL lists its specific authorisations on the credit licence record.
Do I need an Australian Credit Licence or an AFSL for credit activities?
Most consumer credit activity is regulated under the ACL regime, while financial products and advice sit under the AFSL regime. Some businesses need both an Australian Credit Licence and an AFSL — for example, a mortgage broker who also gives financial product advice.
How often is the Australian Credit Licence register updated?
The credit licence register here is refreshed monthly from the public ASIC dataset. For real-time alerts when an ACL is granted, suspended, varied or cancelled, subscribe to free monitoring on this site.
Where can I officially verify an Australian Credit Licence?
The official source is the ASIC credit licence register on ASIC Connect. AFSL Search mirrors that data for convenience and faster credit licence search, but is not the official regulator.
Can I check credit representatives here too?
Yes — credit representatives operating under an Australian Credit Licence are listed alongside their authorising credit licensee. Open the ACL record to see the linked credit representatives.