Credit Guide

Handypay is a subsidiary of OurMoneyMarket Holdings Pty Ltd ABN 30 614 872 105. OurMoneyMarket Lending Pty Ltd ABN 64 605 231 669 (“OurMoneyMarket”) trading as Handypay. Australian Credit Licence Number 488228.

We are required by law to provide you with a Credit Guide. The Credit Guide provides you information about Handypay and OurMoneyMarket, our responsible lending obligations and our dispute resolution process.

Responsible Lending Obligations

As a credit licensee, we are not permitted by law to enter into an agreement with you which is unsuitable. To ensure we do not provide unsuitable credit, we will:

  • make reasonable inquiries about your financial situation, your requirement(s) and objective(s); and
  • take reasonable steps to verify your financial situation

Complaints and Disputes

If you have a complaint or dispute with us, please first raise the issue with our internal dispute resolution procedure by contacting our Dispute Resolution Officer:

If you consider that does not resolve your complaint or dispute, you may contact our independent external dispute resolution scheme, Australian Financial Complaints Authority (“AFCA”). You can contact AFCA by:

  • Telephone: 1300 56 55 62
  • Email: info@afca.org.au
  • Address: GPO Box 3 Melbourne VIC 3001

Copy of Assessment

If you ask us for a copy of our assessment as to why we approved your contract we must give you a copy of it.

If you request it before entering into the agreement, we must provide it before the contract is entered into.

If you ask for it up to 2 years after the agreement is signed, we must give it to you within 7 business days. If you ask for it within 7 years of the agreement being signed, we must give it to you within 21 business days.