FAQs

etika provides the loan required for the purchase of your Apple Watch that forms a part of the AIA Vitality Apple Watch benefit. If you have any questions on the services we provide, just call us on 1300-FAIRER (324737) or email us if it’s outside normal business hours. 

Before taking out a loan with etika, it’s important for you to consider your financial commitments and make sure that you can afford this purchase.

We perform credit and ID checks for the loan approval process, as part of our responsible spending practices. Once you submit the application, we'll provide you with a decision as soon as possible.

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.

It will be after your first month of activity tracking with AIA Vitality is complete. We will also send you an email when you sign up, specifying when exactly your first payment needs to be made.

We do not charge you any interest or fees. You only need to repay us your loan in 24 monthly instalments. No surprises!

If you have any concerns with your AIAA activity points or the co-contribution to your loan that was made by AIAA, you should always contact AIAA first on 1800 848 254.

If you are experiencing financial difficulties, our team can offer support and assistance to help you manage your payment obligations for your etika account.

As long as you keep us informed about your circumstances, we can work together to find a solution. Please keep in mind the sooner you let us know, the easier it will be for us to work towards an outcome.

Just call us on 1300-FAIRER (324737) or email us if it’s outside of business hours.

Of course. The 'Make payment' button in your account lets you make a payment any time before an instalment is due, but your remaining instalments dates will stay the same – unless you make a request to move these dates. 

If you would like to bring other instalment dates forward or if you want to pay out the full remainder of your loan, just call us on 1300-FAIRER (324737).

Please note that you will need to do this more than 24 hours before an instalment is due.

It will be after your first month of activity tracking with AIAA is complete. We will also send you an email when you sign up, specifying when exactly your first payment needs to be made.

If your scheduled payment has failed, we'll let you know via email and SMS.

You can also log into your account or the app and process a one-off payment by logging in and clicking 'Make payment' next to your overdue payment, then just follow the prompts.

If you need to update your payment method and add a new card you can do that on the Home screen too, by clicking on 'Add new card'.

If you're worried you won't be able to make a payment, give us a call on 1300-FAIRER (324737) and we'll try and sort something out. Or email us if it’s outside of business hours.

If you've got a payment coming up but you don't have any way to pay – just call us on 1300-FAIRER (324737) or email us if it’s outside of business hours.  

We will try to sort something out with you.

We understand that when it comes to payment security you have the highest expectations from a financial company like us.  

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 do not charge any additional amounts for payment of loans from a credit card.

We encourage you to check with your card issuer (bank), as they may see these payments as cash advances, which may incur a fee and interest charges from the date of payment.

We would also like to make you aware that any payments made from a credit card which are not paid off during any interest free period, may also be subject to interest from your financial institution.

If you require further clarification of the impacts of paying with a credit card, please contact your financial institution directly.

If you can’t remember which email address you used, try searching your inboxes for any emails from us.

The emails will come from support.au@etika.com.

If it’s your password that’s the problem, just click on 'Forgot password?' to create a new one.

If none of the above works, just call us on 1300-FAIRER(324737) and we can solve it for you, no problem.

Just log in to your account and click on the green person icon in the upper right corner of the screen. Then select the ‘account’ option in the dropdown. Then just change what needs to be changed and it should be all done!

Any issues, just call us on 1300-FAIRER (324737).

You can always add a new card to your account by clicking on ‘Add new card’ in the ‘Wallet’ section on the home page.

One of your cards will always be listed as your 'Primary' card. This is the card any due payments will be taken from. You can add a new card to your account at any time.

If you have any questions, just call us on 1300-FAIRER (324737) or email us if it’s outside of business hours.

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 during 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.

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.

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.

We charge the business that you are buying from, a percentage and a small fixed amount for each transaction.

Your approved spending limit with us is $1,000. Before making a purchase with etika, it's important that you consider your financial commitments and make sure that you can afford this purchase.

Of course. The PAY NOW button in your account lets you make a payment any time before an instalment is due, but your remaining instalments dates will stay the same - unless you request to move these dates. If you would like to bring other instalment dates forward, just call us on 1300-FAIRER (324737).

Please note that you will need to do this more than 24 hours before an instalment is due.

If you are experiencing financial difficulties, our team can offer support and assistance to help you manage your payment obligations for your etika account. As long as you keep us informed about your circumstances, we can work together to find a solution.

Please keep in mind the sooner you let us know, the easier it will be for us to work towards an outcome. Please note that as soon as you miss a payment, we will stop you from making any further purchases with etika until your account is back up to date.  We also reserve the right to cancel your account if we deem this the appropriate action to take.

 Just call us on 1300-FAIRER (324737) or email us if it’s outside of business hours.

Depending on the payment schedule you have chosen, your first payment will be taken a week, two weeks, or four weeks after your purchase. If you purchased an item on 1st January, it will come out on either 8th January, 15th January or 29th January.  

If your scheduled payment has failed, we'll let you know via email and SMS.

You can also log into your account or the app and process a one-off payment by logging in and clicking 'Make payment' next to your overdue payment, then just follow the prompts.

If you need to update your payment method and add a new card you can do that on the 'Make payment' screen too, by clicking on ‘Add Payment Method’.

If you're worried you won't be able to make a payment, give us a call on 1300-FAIRER (324737) and we'll try and sort something out. Or email us if it’s outside of business hours.

Please note that if your payment fails, we will on-charge you for the dishonour fee we incur from your bank and card provider. We will simply be passing on the exact costs your bank and card provider charges us for the failed payment.

If you've got a payment coming up but you don't have any way to pay - just call us on 1300-FAIRER (324737) or email us if it’s outside of business hours.  

We will try to sort something out with you.

We understand that when it comes to payment security you have the highest expectations from a financial company like us.  

We employ industry-standard and bank-level SSL encryption, as well as a world-class firewall service to protect your data and we perform fraud checks to protect your identity.

We do not charge any additional amounts for payment of loans from a credit card.

We encourage you to check with your card issuer (bank), as they may see these payments as cash advances, which may incur a fee and interest charges from the date of payment.

We would also like to make you aware that any payments made from a credit card which are not paid off during any interest free period, may also be subject to interest from your financial institution.

If you require further clarification of the impacts of paying with a credit card, please contact your financial institution directly.

Have you already created an account and password? If not, just go to our website, select 'Sign-up' and follow the prompts.

If you’ve already made a purchase, then you will already have an account and you might just have forgotten your password or used the wrong log-in email.  

If you can’t remember which email address you used, try searching your inboxes for any emails from us.

The emails will come from support.au@etika.com.

If it’s your password that’s the problem, just click on 'Forgot password?' to create a new one.

If none of the above works, just call us on 1300-FAIRER(324737) and we can solve it for you, no problem.

Your account is most likely on hold if you are behind in payments. This means that any new purchases are blocked.

Just make a payment by logging into your account and clicking on 'Make payment' and you should be able to make a purchase again.

There are other possible reasons too and if a late payment is not the reason – just call us on 1300-FAIRER (324737) or email us if it’s outside of business hours.

Just log in to your account and click on the green person icon in the upper right corner of the screen. Then select the 'account' option in the dropdown. Then just change what needs to be changed and it should be all done!

Any issues, just call us on 1300-FAIRER (324737).

You can always add a new card to your account by clicking on 'Add new card' in the 'Wallet' section on the home page.

One of your cards will always be listed as your 'Primary' card. This is the card any due payments will be taken from. You can add a new card to your account at any time.

If you have any questions, just call us on 1300-FAIRER (324737) or email us if it’s outside of business hours.

If you suspect that your account has been accessed by someone other than yourself, please notify us immediately by calling 1300-FAIRER (324737) or email us if it’s outside of business hours.

We also suggest you change your password as soon as possible, by clicking on 'Forgot your password?'.

Of course you can always close your account, although we’re sorry to see you go!  

If nothing is owing on the account, just call us on 1300-FAIRER (324737) or email us if it’s outside of business hours.

If you want a refund on a purchase through etika, you'll need to contact the retailer directly and follow their normal refunds process.  

After you return goods to a retailer and if they agree to a refund, your etika account will be credited with the agreed refund amount. The funds will then be put towards any balance currently owing on your account.  

After the retailer has approved a refund, the following will happen;  

Partial Refunds
We will update your payment schedule by reducing the instalments or processing a refund back to your card where required. The refund is applied to the last instalment first, then the before last instalment and so on.

For example: If the order value is $100 and the you have chosen to pay fortnightly and no instalment has come out of your account yet -  if a refund of $60 has been agreed on, we will cancel your 4th and 3rd instalments of $25, and reduce the 2nd instalment to $15. You will pay your first instalment of $25 two weeks after you placed their order with you.

Full Refunds
We will automatically cancel your payment schedule, so you are no longer charged for the order. If you have already made payments, we will process a refund back to your card.

For example: If the order value is $100 and you have paid 2 instalments of $25 we would cancel the 3rd and 4th instalment and process a $50 refund (i.e. $25 X 2 instalments).

We recommend you contact the retailer directly.

The retailer needs to process the refund from their end, after you have returned the goods and they have decided that you are within your rights for a refund according to their return policy. We must wait for this to happen before we can settle your account. But we can’t control the speed at which the retailer does this, unfortunately.

We will of course refund any payments you made while you were waiting for your refund to be processed, when the retailer approves it.

If you need help resolving a returns dispute with a retailer because you’re unable to resolve the dispute directly with them, please get in touch with us and let us know what’s happening.