Australian Loan Agreement

Detects populated Australian loan agreements and credit contracts: a loan agreement / credit contract / loan facility phrase combined with named borrower or lender fields, a stated loan amount or repayment, or a loan/facility reference number. Phrase-only mentions stay discovery-only.

Type: regex
Engine: boost_regex
Confidence: medium
Confidence justification: Enforce tiers need populated party, amount or reference fields next to the agreement phrase, so lender marketing, calculators and consumer guidance (which name the same terms without values) stay at 65. Medium because loan-application correspondence can carry the same fields.
Jurisdictions: au
Regulations: National Consumer Credit Protection Act 2009 (Cth), Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth), Information Privacy Act 2009 (Qld), NDB Scheme (Cth), Privacy Act 1988 (Cth)
Frameworks: ISO 27001, ISO 27701, PCI-DSS, SOC 2
Data categories: financial, legal, pii
Scope: narrow
Risk rating: 8
Platform compatibility: Purview: Compatible, GCP DLP: Compatible, Macie: Compatible, Zscaler: Compatible, Palo Alto: Degraded, Netskope: Unsupported

Pattern

(?i)\b(?:(?:(?:personal|business|commercial|consumer|secured|unsecured)\s+)?loan\s+(?:agreement|contract|deed)|credit\s+contract|loan\s+facility(?:\s+agreement)?|line\s+of\s+credit\s+agreement)\b

Corroborative evidence keywords

repayment schedule, default interest, events of default, prepayment, drawdown, financial covenants, security interest, establishment fee, credit guide, hardship

Proximity: 300 characters

Should match

PERSONAL LOAN AGREEMENT Lender: Harbourside Credit Union Ltd Borrower: Morgan Teston Loan amount: $38,500.00 Interest rate: 9.49% p.a. (fixed) Loan number: PL2026004471 Monthly repayment: $812.40 over 60 months. Events of default and default interest are set out in clause 12. — Populated personal loan agreement - parties, amount, rate, reference and default terms (85)
Commercial loan facility Borrower: Coral Coast Freight Pty Ltd Facility limit: $1,250,000 Drawdown on 03/11/2026. Financial covenants: interest cover of at least 2.0x tested quarterly. — Facility with named borrower, limit and covenant evidence (85)
Loan agreement Borrower: Jordan Whitlock The borrower acknowledges receipt of the credit guide. — Agreement with one populated party field (75)

Should not match

Policy guidance: before you sign a personal loan agreement, check the loan amount, interest rate, comparison rate and repayment schedule, and read the credit guide. Ask the lender to explain any default fees. — Consumer guidance naming the terms without values
PERSONAL LOAN AGREEMENT Lender: __________ Borrower: __________ Loan amount: $__________ Interest rate: ____% p.a. Loan number: __________ — Blank agreement form - placeholder values
Banks tightened personal loan contract terms this quarter, with average loan amounts falling to $21,000 and interest rates above 9%, according to lender data released on Tuesday. — News article with aggregate figures and no parties
Our personal loan contract lets you borrow from $5,000 to $50,000. Loan amount: $5,000 to $50,000 Interest rate: 6.99% p.a. Comparison rate: 7.45% p.a. — Lender product page with amount ranges and advertised rates
Definitions Borrower: means the person named as borrower in the loan agreement schedule. Lender: means the credit provider. — Glossary / definitions clause of an unsigned loan agreement
Can I borrow your pen? — Unrelated everyday use of borrow
Student loan information session — Unrelated loan phrase

Known false positives

Lender marketing, loan calculators and comparison sites describing loan amounts and rates. Mitigation: Amount ranges are rejected, rate lines only count toward 85, and marketing/calculator framing is excluded.
Consumer guidance and training about loan agreements. Mitigation: Guidance names the fields without values, so it stays at 65.