Is approval automatic, or promised in advance?+
No — and be wary of any lender who promises that. Every application is assessed individually by a trained person against your real income and expenses. Most decisions are made within one business day of your documents arriving.
Do you check my credit?+
Yes, with your recorded consent, as part of a responsible assessment. We ask before we look, and you can see the consent text you agreed to at any time in your account.
What do I pay in total?+
$2,250 if every payment is on time: $2,100 in weekly payments plus the $150 establishment fee. Interest is zero. The only other possible charge is a $30 late fee, at most once a month, only if a payment is missed.
Who owns the bike during the lease?+
Mulga does — that's what a lease is. Ownership transfers to you automatically when the final payment clears, at no extra cost.
Can I pay it out early?+
Yes, any time, with no early-exit fee. You pay the remaining scheduled amount and ownership transfers.
What happens if I miss a payment?+
We contact you first. A $30 late fee can apply (max one per month, and capped by law). If money is genuinely tight, ask for hardship help — that pauses collections while we sort out a plan.
What does the store see about me?+
Almost nothing. Store staff see a coarse status like 'In progress' or 'Ready to release'. They never see your income, documents, credit file or the reasons for any decision.
Why was I declined?+
We'll tell you the substance of why, in writing, and you can request a copy of the assessment. A decline usually means the weekly payment doesn't safely fit your current budget — you're welcome to reapply if circumstances change.
Is my data safe?+
Documents are stored encrypted in Australia and access by our staff is logged. We never sell personal information. See our privacy policy and security page for the detail.
What if I'm unhappy with Mulga?+
Complain — seriously. We acknowledge within one business day and resolve within 30. If you're not satisfied, AFCA (the free national ombudsman) can review us: 1800 931 678.