Question 1

How does Co-Pilot get paid? Does it cost me anything?

Accepted Answer

It doesn't cost you anything to talk to us or to apply. On finance, we're paid by the lender once your loan or facility settles - never by you. On insurance, we earn a commission from the insurer that's already factored into the premium, so you're not paying extra by going through a broker instead of direct.

Question 2

Will applying affect my credit score?

Accepted Answer

Having a conversation with us won't touch your credit file - there's no credit check just to talk through your options. Once you decide to apply with a specific lender, that lender runs a standard credit check as part of assessing you, the same as if you'd approached them directly.

Question 3

Do I have to come into the office?

Accepted Answer

No. Most of it happens over the phone and email. If you're near Blacktown and want to sit down face to face, say so - that works too.

Question 4

What is the difference between using a broker and going direct to a bank or insurer?

Accepted Answer

Going direct means you only see what that one bank or insurer is willing to offer you. We compare your situation against 60+ lenders and 90+ insurers, including specialist ones you won't find by walking into a branch, and we handle the paperwork and negotiation for you. It doesn't cost more - we're paid by the lender or insurer, not by you.

Question 5

What if I've already been declined somewhere else?

Accepted Answer

That's common, and it's often about fit rather than something being wrong with your application. Banks tend to work off one set of criteria; we work across a much wider panel that includes lenders built for exactly the situations mainstream banks say no to. Tell us what happened and we'll take an honest look at whether there's a better option out there.

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