Frequently asked questions

Getting started with etika 

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.

Payments

What happens if I cannot afford to make a payment?
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.
Can I make an early payment?
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.
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. If you purchased an item on 1st January, it will come out on either 8th January, 15th January or 29th January.
What happens if a payment fails?
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 PAY NOW 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 PAY NOW 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.
What happens if my card is lost or stolen?
If you have a payment due with us we can take it from an alternate card stored on your account. You will need to log into your account and set your other card as the Primary payment option. If your lost or stolen card is the only one on our system but you do have another card, you can add this extra card to the system and we can take your payment from that one. Remember, we only accept Mastercard or Visa card issued by an Australian financial institution.

You can update your payment details by logging in and clicking on” Add Payment Method" in the “Billing Details” section. You can select "Primary" if you want to use this card as your preferred payment method for future transactions.   

Once you have found your card again or received a new one, you can update the details of your preferred card in your account by selecting “Primary” again for that card.

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 at enquiries@etika.com.au if it’s outside of business hours.  

We will try to sort something out with you.
How do I set my payment schedule?
When you purchase through etika, you can select your re-payment schedule.

You can choose between eight weekly payments, four fortnightly payments or two 4-weekly payments, paying it off within the 8 weeks required.

The first payment will come out one, two or four weeks after your purchase went through.

So if you bought something on 1 January for $100 and have selected a weekly payment, the first $12.50 payment will come out on 8 January.  

If you selected a fortnightly payment, the first payment of $25 will come out on 15 January.

If you selected a four-weekly payment the first payment of $50 will come out on 29 January.  

To help you keep track of your finances, you can check the “Payment Schedule” page online.
Disputes and Complaints
If you have a concern with a specific purchase, you should always contact the retailer that you bought from, first. This is often the fastest and easiest way to resolve the issue. If you attempted to contact the retailer and were unable to resolve it directly with them or for any complaints regarding our services, please email us on to lodge a dispute.

Login and account access

Why can’t I log in?
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 your 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.
Why is my account on hold?
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 PAY NOW 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.
I’m not getting an email to reset my password
Make sure, if you have multiple email addresses, that you are using the email address you provided when you made your first etika purchase.

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

Another option is that it could have ended up in your junk mail. If all else fails -  just call us on 1300-FAIRER (324737) or email us if it’s outside of business hours.

Managing your account

How do I change any of my personal details, like my email, mobile?
Just log in to your account and go to “Account” link. Then just change what needs to be changed and it should be all done!  

Any issues, just call us on 1300-FAIRER (324737).
How do I add or remove a card?
You can always add a new card to your account by following the prompts in “Billing Details”.  

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.
I suspect my account has been accessed by someone else, what should I do?
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?”
How do I close my account?
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.
You say that you don’t charge late fees, but I was charged a fee when I missed my payment?
If you do not let us know beforehand, that you won’t be able to make a payment, or if your payment method is not up-to-date – your card may have expired for example - we will try and debit your nominated card on your repayment date.

If this payment fails, we get charged a dishonour fee by your bank and card company.

We simply pass on the exact costs your bank and card provider charge us for the failed payment. There is no administration or late fee from us.

To prevent this from happening, ensure your payment method remains up to date. And if you are experiencing problems paying off your loan, please contact let us and let us know as soon as possible, before the payment is due.

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