Fairer finance

Enjoy affordable, fair finance without surprises, across the globe. Available to more people. Terms and plans to suit you. Clear and simple process.

Sign up

We help you buy the things you love or need, by providing fair and flexible finance

Enjoy fairer finance

Buy it now

Get what you want now and select etika as your payment method at checkout. Or sign up here.

Flexible repayments

You can choose to pay in weekly, fortnightly or monthly instalments over 8 weeks.

No surprises

No interest, no upfront payment and no hidden fees or conditions.

How it works

Frequently asked questions

How do I sign up?
Thanks for choosing us! Signing up is quick and easy.

There are two ways to go about it.

Through your retailer’s checkout
When you make a purchase with any one of our partner retailers or service providers, simply choose etika as your payment method at the checkout. Then just follow the prompts to set up your account.  Please remember that to sign up with etika you need to:
  • Be living in Australia
  • Be over 18 years old
  • Have a valid and verifiable email address and mobile phone number
  • Have an Australian bank payment card 
  • Be capable of entering into a legally binding contract 
  • Have a verifiable and valid ID
Directly with us at etika.com
Alternatively, you can sign up on our website. Before making a purchase with etika, it’s important that you consider your financial commitments and make sure that you can afford this purchase.
We perform credit checks as part of the sign-up process as part of our responsible spending practices. Once you submit the application, we'll provide you with a decision as soon as possible.
When will my first payment be taken?
Depending on the payment schedule you have chosen, your first payment will be taken a week, two weeks, or four weeks after your purchase. For example, if you purchased an item on 1st January, it will come out on either the 8th January, 15th January or 29th January.
How does it work?
We help you buy the things you love or need, with fast, affordable and easy to understand credit. We provide secure and fast online loans, free of hidden costs. No need to sweat the small print. No upfront payment, no interest, and no late fees. We will charge your account with any dishonour fees we incur from your bank due to a rejected payment if this occurs.

Sign up in minutes, with manageable payments over the timeframe you choose, giving you control over your budget. You can either sign up through one of our online merchants at check-out, or on our website. Before making a purchase with etika, it’s important that you consider your financial commitments and make sure that you can afford this purchase.
How do you make your money if you don’t charge any account fees or late fees?
We charge the business that you are buying from, a percentage and a small fixed amount for each transaction.
Is this a secure payment method? And what about my personal information?
We understand that when it comes to payments and personal data you have the highest expectations from a financial company like us.  We can assure you that we maintain the highest standards of data protection.
  • We employ industry-standard and bank-level SSL encryption, as well as a world-class firewall service to protect your data
  • We don't require you to enter your card number or other sensitive information at checkout once you’re signed up
  • We perform fraud checks to ensure your safety
  • We use 2-factor authentication on all purchases
We take information security seriously and have processes in place to ensure that your private information is secure.  We will never sell your information to a third party.  For more information please see our privacy policy.

We will never ask for your account details via email or over the phone if you receive such a request please contact us immediately.
Why was my application refused?
We perform a credit check on all etika shoppers. If your application is refused, it means that we feel it’s not in your best interest to proceed with the purchase due to your other financial commitments. Or it could mean that you do not have a substantial enough credit file yet.  It could also be due to not being able to verify your identity.

You can reapply if your credit situation has changed.
How many orders can I have and how much can I spend?
To start off, you will only be allowed to have 1 order approved in the first 24 hours.  

Your approved spending limit with us will depend on our assessment of your ability to make repayments. Before making a purchase with etika, it’s important that you consider your financial commitments and make sure that you can afford this purchase.  

The longer you are with us and pay on time, your spending limits will likely increase, and you should be able to carry out more orders at one time. 
Does signing up affect my credit rating?
No, the check we perform on you when you sign up with us, to ensure that your purchase falls within your means, does not affect your credit rating.

However, should you fall significantly behind in your repayments and if you do not contact us to come to a payment arrangement, a credit default will be registered.
More FAQs

It’s easy to get started

You’ll be up and running in no time.

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