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

Buy it now.
Pay over time.

Get what you want now and select etika as your payment method at checkout.

Flexible repayments

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

No surprises

No interest, no upfront payment and no account or late fees.

FAQs

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 modern TLS encryptions in all our platforms, as well as a world-class firewall service to protect your data and we 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. For more information please see our privacy policy.

We will never ask for your bank account details via email or over the phone. If you receive such a request please contact us immediately.

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.

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?

If you'd like to contact;
etika in Australia
Call 1300-FAIRER (324 737) or email us.
etika in New Zealand
Call 0800-FAIRER (324 737) or email us.
Our office hours are Monday to Friday from 8am to 5pm (AEST & NZDT).
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