Authorised Credit Representative’s Credit Guide
Skypay Pty Ltd · ABN 52 691 707 696
As an intending borrower we provide you with the following Credit Guide, which must be provided to you in writing, in accordance with Sections 126 and 158 of the National Consumer Credit Protection Act 2009.
Date of issue: 24/07/2026
AUTHORISED CREDIT REPRESENTATIVE
Authorised Credit Representative’s name: Skypay Pty Ltd
Authorised Credit Representative’s Number: 578886
Registered Address: 10 Pulteney Street, Adelaide SA 5000
Telephone: 0480 599 623
Email: hello@skypay.au
CREDIT PROVIDER
Credit Provider, being the Credit Licensee for whom the Authorised Credit Representative acts: Strawberry Loans Pty Ltd
ABN: 74 621 474 655
Australian Credit Licence Number: 519253
Licensee’s address: 184 Fisher Road N, Cromer, NSW 2099
Telephone: 0438 129 991
Email: contact@strawberryloans.com.au
FEES, CHARGES AND COMMISSION
Fees that are payable by a consumer to the Authorised Credit Representative for acting as a credit representative (if any): Nil
The method of calculating the amount of the fees (if any): Not Applicable
Charges that are payable by a consumer to the Authorised Credit Representative for matters associated with acting as a credit representative (if any): Nil
The method of calculating the amount of the charges (if any): Not Applicable
Credit activities for which the Authorised Credit Representative is approved to engage on behalf of the Credit Provider: The suitability assessment associated with and the facilitation of consumer credit.
Commission the Authorised Credit Representative is likely to receive, directly or indirectly, from the Credit Provider (if any): Remuneration is not by commission.
Reasonable estimate of the amount/s of the commission/s: Not applicable.
Method of calculating the amount of these commissions: Not applicable.
DISPUTE RESOLUTION
In the unlikely event of a dispute, the consumer is advised that there is a process available to assist in a speedy resolution of the issues.
- Contact the credit representative you have been dealing with (see contact details above) and explain your position and the outcome you wish to achieve.
- If unsuccessful, contact the credit provider’s Internal Disputes Resolution Manager (see contact details below). This can be done verbally, but it may assist if you put your complaint in writing first. The Manager will contact you to discuss the matter after making preliminary enquiries. There is no cost.
- Only then, if unsuccessful, contact the External Disputes Resolution scheme of which the credit provider is a member. This is a free service for consumers.
Please do NOT contact the External Disputes Resolution scheme before you have contacted the Internal Disputes Resolution Scheme Manager. You will only be sent back to contact the Internal Disputes Resolution Manager and resolution of your complaint will be unnecessarily delayed.
Internal dispute resolution procedure/IDR Manager: Claire Poolman
Phone: +61 438 129 991
Email: contact@strawberryloans.com.au
EXTERNAL DISPUTE RESOLUTION (EDR) SCHEME MEMBERSHIP DETAILS
Member Name: Strawberry Loans Pty Ltd
Australian Financial Complaints Authority (AFCA), Ph: 1800 931 678, or go to www.afca.org.au. Postal: GPO Box 3, Melbourne, VIC 3001
Membership Number: 75661
CONDUCT OF LENDING BUSINESS
The Credit Provider, being an Australian Credit Licensee, takes full responsibility for the approved credit activities of the Authorised Credit Representative, in accordance with the National Consumer Credit Protection Act 2009 and associated Regulations.
The Credit Provider conducts its business in accordance with the National Consumer Credit Protection Act and associated Regulations.
ASSESSMENT OF LOAN APPLICATIONS
Under Sections 128, 129 and 133 of the National Consumer Credit Protection Act 2009, we are required to assess the suitability of the loan you have requested. These Sections are concerned with whether or not the loan you seek is “unsuitable”.
If that loan would be unsuitable, under Section 131 we are obliged to advise you that we will not participate in the arrangement of a loan for you and, under Sections 128 and 133 we are also obliged to refuse an increase in your credit limit, if that would also be deemed unsuitable.
Suitability or unsuitability is assessed in accordance with the following criteria:
- whether or not you will be able to comply with the financial obligations under the contract, without substantial hardship, if at all;
- whether or not the contract will meet your requirements and objectives;
- whether or not the contract meets requirements imposed by regulation, from time to time;
- it involves the Authorised Credit Representative and/or Credit Provider making enquiry about your financial circumstances; and
- according to whether or not we believe the information you provide to be true.
In accordance with Section 132, if you are successful with your application and enter into a credit contract with the Credit Provider because the loan is not deemed unsuitable, you may request a copy of that assessment at any time during the following 7 years. This will be provided at no charge to you. If your copy is requested within 2 years, we will provide it within 7 days. If your request is received after the second year, we may take up to 21 days to provide you with a copy.
CREDIT CHECK RESULTS
In accordance with Section 18M of the Commonwealth Privacy Act 1988, if you are unsuccessful with your application for a loan, in whole or part, as a result of information provided to the Credit Provider in a credit report obtained from a credit reporting agency, you will be informed in writing of the decision, with detail, as prescribed by the Privacy Act.
We hope this information is of assistance and thank you for your enquiry.