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.

FAQ | AYIO Financial

Getting Started

Submit an enquiry through our website or email us directly. One of our credit specialists (ACL 570670) will contact you to discuss your options and any documentation we'll need. No commitment at this stage.

Simple deals can be reviewed within 48 hours. Complex or low-doc deals typically take 2–5 business days depending on the lender and the documentation provided. Approval is at the lender's discretion.

Not always. For asset finance under certain thresholds, we can often arrange low-doc pathways under ACL 570670. Full financials give us more to work with when assessing your application.

No cost to you. AYIO Financial is remunerated by the lender via commission when a finance contract settles. This does not change the terms of any credit product offered to you and is disclosed in writing as required under NCCP.

Finance Questions

Generally $10,000, though this varies by product type and lender.

Yes. Private sale finance is available for trucks, equipment and vehicles. Submit your enquiry with the details and we'll let you know your options.

Often yes. We consider all credit situations under ACL 570670. Tell us the full picture — age of defaults, amounts, whether paid — and we'll assess your options directly.

Finance options often exist for new ABN holders, particularly for asset-backed products like truck and equipment finance. Submit your enquiry and we'll assess your situation under ACL 570670 and contact you with options.

About AYIO Financial

Yes. AYIO Financial PTY LTD (ABN 41 670 505 816) is a registered Australian business and holds Australian Credit Licence 570670. We provide credit assistance under the National Consumer Credit Protection Act 2009 (Cth) and arrange finance from a panel of accredited Australian lenders.

Clayton, Melbourne VIC. We work with clients Australia-wide.

Email contact@ayiofinancial.com.au or use any enquiry form on this site. We aim to respond within 48 hours.

Common Questions