Make sure that your purchase fits in with your budget. If you need some help with your budget, you can have a look at the Moneysmart website for advice or use their Budget Planner.

You are in control of your spending with etika.

You can choose to pay us weekly, fortnightly or monthly. And we have no upfront payment, no interest and no late fees. Ever.

We trust you to pay us. But if you have ended up in unexpected financial strife, we are here to help. Just give us a call or drop us a line.

And if you need a helping hand with you finances in general, the people at the National Debt Helpline are here to help -