Does AYIO Financial provide credit directly?

AYIO Financial PTY LTD holds Australian Credit Licence 570670 and provides credit assistance under the National Consumer Credit Protection Act 2009 (Cth). We are not a credit provider — we arrange finance from a panel of accredited Australian lenders. Any credit contract is between you and the lender.

What can I get finance for?

Trucks, trailers, prime movers, light commercial vehicles, plant and equipment, and a wide range of business and consumer assets. We service Australia-wide.

How long does an enquiry take?

The online enquiry form takes about two minutes. A licensed broker (ACL 570670) typically responds within one business hour during business hours.

Will submitting an enquiry affect my credit score?

No. The enquiry form is informational only — no credit assessment or credit reporting body enquiry is performed at this stage. A credit assessment is only conducted later, with your express consent, if you proceed to a formal application.

Complaints & Dispute Resolution

Our Role

AYIO Financial PTY LTD (ABN 41 670 505 816) holds Australian Credit Licence 570670 and provides credit assistance under the NCCP Act. Complaints about our credit assistance, conduct, or how we handled your enquiry should be directed to us in the first instance. Complaints about the credit product or contract should be raised with the lender.

Step 1 — Tell Us

If your complaint is about our website, our credit-assistance service, your personal information, or how AYIO Financial communicated with you, please contact us first:

Email: contact@ayiofinancial.com.au
Post: AYIO Financial PTY LTD, Clayton, Melbourne VIC, Australia

Include your name, contact details, a summary of the issue, and what outcome you're seeking. We will acknowledge your complaint within 2 business days and aim to resolve it within 30 days.

Step 2 — If You're Not Satisfied

If you are not satisfied with our response, you can escalate to the appropriate external dispute resolution body depending on the nature of your complaint.

Credit matters (finance contracts, credit assistance, rates, repayments)

AYIO Financial provides credit assistance under ACL 570670. If you are not satisfied with how we handled your complaint, you can escalate to the Australian Financial Complaints Authority (AFCA), of which AYIO Financial is a member (115822). AFCA is a free, independent dispute resolution scheme for consumers. Complaints about the credit product or the conduct of the lender that provided your finance should be raised with that lender first.

Website: www.afca.org.au
Phone: 1800 931 678 (free call)
Email: info@afca.org.au

Privacy matters

If your complaint is about how your personal information has been handled, and you are not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

Website: www.oaic.gov.au/privacy/privacy-complaints
Phone: 1300 363 992

Misleading conduct or consumer protection

If your complaint is about misleading or deceptive conduct under the Australian Consumer Law, you can contact the Australian Competition and Consumer Commission (ACCC) or your state consumer protection regulator.

Website: www.accc.gov.au
Consumer Affairs Victoria: www.consumer.vic.gov.au · 1300 55 81 81

Record Keeping

We keep a confidential record of every complaint we receive, our response, and the outcome, for no less than 7 years.