Credit Guide

Credit Guide

About us

Navalo Financial Services Group Limited trading as Payright ABN 24 605 753 535 (Payright) is an Australian Credit Licensee offering personal loans to customers for purchases of goods and services. We hold an Australian Credit Licence number 533 485.

Our obligation before providing credit to you

In order for us to provide credit assistance to you, we need you to provide us with complete and accurate information so that we can make a preliminary assessment as to the suitability of the loan. If you ask us, at any time within 7 years after we provide a credit assistance, we will provide you with a copy of our preliminary assessment. We will provide the credit assessment within 7 business days of your request, unless your request is made more than 2 years after the date we provided the credit assistance, in which case we will provide it within 21 business days of your request. You will not be charged for a copy of your assessment.

Responsible Lending

We cannot assist you to apply for a loan contract (or an increased credit limit) that is unsuitable for you. A loan will be unsuitable if you are unable to pay or could only do so with substantial hardship, or it does not meet your requirements or objectives.

If you are unable to meet your basic living expenses while repaying the loan, it could be presumed the loan will cause substantial hardship.

Dispute Resolution

If you have a complaint or would like clarification from us, please:,

Call us on: 1300 338 496

Email us at:

Or write to us at:

Payright 42 Cambridge Street Collingwood VIC Australia 3066

Most complaints can be resolved quickly, and we encourage you to contact us.

Payright will acknowledge your complaint within one business day, or as soon as practicable. All complaints require proper investigation, and we want to ensure that our response to you addresses the issues raised in your complaint. We will provide you an initial response within 14 calendar days (10 business days) of receiving your complaint. However, where further information is required from you or outside sources, Payright aims to resolve complaints within 21 calendar days of receiving all the required information. Where it is not reasonably possible to resolve your complaint within this timeframe, Payright will advise you of the reason and provide you with an indication of the alternative resolution timeframe.

If you are not happy with the resolution of your complaint, you may request that your complaint be escalated for review. Escalated complaints are usually handled by a senior manager.

External Dispute Resolution Payright is a member of the Australian Financial Complaints Authority (AFCA). If you remain unhappy with the outcome of your complaint after completion of Payright’s internal processes and procedures, you may take your complaint to AFCA.


AFCA’s contact details are:

Phone: 1800 931 678

Fax: (03) 9613 6399



Mail: Australian Financial Complaints Authority Limited

GPO Box 3

Melbourne VIC 3001 (Australia)