Credit Guide

OurMoneyMarket Lending Pty Ltd ABN 64 605 231 669 trading as Handypay Australian Credit License Number 488228 (OMM Lending) and OurMoneyMarket Services Pty Ltd ABN 66 614 874 761 Authorised Credit Representative Number 494238 of OMM Lending (OMM Services) are collectively “Handypay”.

Use of the terms we, our, and us means Handypay. Use of the terms you or your means you as an individual or, where you interact with us as a representative of a business, that business.

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

Responsible Lending Obligations


By law, we are not permitted to enter into an agreement with you which is unsuitable. To ensure we do not provide unsuitable credit, we:

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


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 contract, we must provide it before the contract is entered into.
  • If you ask for it up to 2 years after the contract is signed, we must give it to you within 7 business days.
  • If you ask for it within 7 years of the contract being signed, we must give it to you within 21 business days.


Complaints and Disputes

Handypay recognises, promotes, and protects our customers’ right to comment, compliment and complain. If you have a complaint, get in touch with us and we will work with you to resolve it.

Step 1 – Contact us

We want to resolve your complaint as quickly as possible and so the best place to start is to contact us on 1300 990 115 (toll free) or by email

Step 2 – Internal complaint resolution

Once we’ve received your complaint, we will acknowledge that we’ve received it.

If the customer consultant is unable to resolve your complaint, or you’re not satisfied with the outcome, your complaint will be escalated. We will take reasonable steps to investigate your complaint, including an assessment of the circumstances, and obtaining additional information if it is required.

Depending on the circumstances of your complaint, you will be provided with an outcome either verbally or in writing. We will provide you with a written outcome if:

  • your complaint takes longer than 5 business days to resolve.
  • you request a written response.
  • your complaint is about financial hardship.
  • your complaint is not resolved to your satisfaction.

Where a written outcome is required, it will be provided within the following timeframes:

Complaints involving default notices – no later than twenty-one (21) calendar days after receiving the complaint.

Complaints involving hardship notices or a request for postponement of enforcement proceedings – no later than twenty-one (21) calendar days after receiving the complaint.

All other complaints – no later than thirty (30) calendar days after receiving the complaint.

If we need more time to investigate and resolve your complaint, we will write to you to explain why, provide the expected revised timeframe, and provide you with contact details for the Australian Financial Complaints Authority (AFCA).

Step 3 – Independent review

If you’re not satisfied with the outcome of your complaint, or we can’t resolve your complaint within the required timeframes, you may contact the Australian Financial Complaints Authority (AFCA) which is an external and independent dispute service available to you at no cost. Some time limits apply to AFCA complaints so do check the AFCA website to see if time limits apply to your complaint:


Phone: 1800 931 678
Fax: 03 9613 6399
Mail: Australian Financial Complaints Authority Limited, GPO Box 3, Melbourne, VIC 3001


Need help?

Handypay is committed to delivering exceptional customer experience. With this in mind, we understand that you may feel you need support to be able to communicate effectively with us. Should you require assistance with lodging a complaint, or throughout the course of your complaint, please consider the following services:

Teletypewriter (TTY) – speak and read
Dial 133 667 and ask the relay officer to call 1300 990 115.

Teletypewriter (TTY) – type and read
Dial 133 667 and type 1300 990 115.

For help in other languages, interpreting support is provided by the Translating and Interpreting Service (TIS National) by calling 131 450 (within Australia), 24 hours a day, 7 days a week.