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.

Apply now

Buy the things you love or need, with fairer finance

Buy it now.
Pay over time.

Get what you want now and and use etika to pay off over time.

How it works

Spread your payments

Once approved, your instalments will automatically be deducted from your nominated card. Simple and straightforward.

How it works

No surprises

No interest, no account fees or late fees.

More about etika
We are proud to partner with brands from various industries

Frequently asked questions

How do I sign up?

Thanks for choosing us! Signing up is quick and easy.

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 your own Australian bank payment card 
  • Be capable of entering into a legally binding contract 
  • Have a verifiable and valid ID
Once you submit the application, we'll provide you with a decision as soon as possible.

When will my payments be taken?

Your payment schedule will be provided after your loan application has been approved. The payments will come out automatically. We will let you know the payment is due one day beforehand, via email and SMS.

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 interest, no account fees 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 and spread the cost, giving you more 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?

We can assure you that we maintain the highest standards of data protection and employ industry-standard and bank-level SSL encryption, as well as a world-class firewall service to protect your data and perform fraud checks to protect your identity.

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 or ask for your bank account details via email or over the phone. If you receive such a request please contact us immediately.

If you would like more information on our approach to privacy or about the way we manage your personal information please refer to our Privacy Policy.

How much can I spend?

You can use etika for purchases up to $1,000. Fast sign-up and loan approval.

Before making a purchase with etika, it's important that you consider your financial commitments and make sure that you can afford this purchase.

Does signing up affect my credit rating?

We commit to being an ethical credit provider which means we take a few things into consideration when assessing your application, including, in some cases, performing a credit check. We will let you know if this case. The credit check we perform will be recorded on your credit file as a credit enquiry in accordance with our terms and conditions.

Like with any form of credit, failing to meet your repayment obligations may result in a credit default being registered against you which may impact your future eligibility for credit.

Why was my application refused?

It could be for a number of reasons;
  • We were not able to verify your identity
  • You do not live in Australia
  • You are not over 18 years old
  • You do not have a valid and verifiable email address and mobile phone number
  • You do not have a verifiable and valid ID
  • You do not have an Australian debit or credit card
  • You did not pass our credit check. We perform a credit check on all etika customers. If your application is refused, it means the information held about you by our credit reporting agency does not meet our lending criteria. Or, it could mean that you do not have a substantial enough credit file yet. You would have received an email from us with contact information of the credit reporting agency if you have any further questions.

Have a question?

Our office hours are Monday to Friday from 8am to 5pm (AEST).

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