Fairer finance

Enjoy fair finance without surprises. 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
A lady wearing an Apple Watch

No surprises

No interest, no upfront payment and no fees or hidden conditions

More about etika

Frequently asked questions

Who is etika?

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 0800-FAIRER (324737) or email us if it’s outside normal business hours. 

How long does the loan application process take?

As long as you fit the following criteria and meet our lending criteria, the sign-up process is quick and easy.
  • AIA Vitality members who hold a New Zealand citizenship, permanent residence or an acceptable work visa for New Zealand. Note: Non-citizens and non-permanent residents (with a New Zealand work visa) may still apply for the Apple Watch Benefit but may be required to supply further information to complete the application
  • You are over 18 years old and have a verifiable and valid ID
  • You have a valid and verifiable email address and mobile phone number
  • You have a valid New Zealand Visa or Mastercard Credit/Debit card and you are capable of entering into a legally binding contract 
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.

Once you submit the application, we'll provide you with a decision as soon as possible

Why we collect and use your personal information

We only collect, hold and disclose information about you where it is reasonably necessary for us to perform our business activities or required by law.

We take information security seriously and have processes in place to ensure that your private information is secure.

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.

When will my first payment be taken?

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.

What fees do etika charge?

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

Please note your card issuer may charge interest or other charges for paying loans with a credit card. We recommend speaking to your card issuer for further information.

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.

Why did my account or loan application fail? 

It could be for a number of reasons;
  • You do not hold New Zealand citizenship, permanent residence or have an acceptable New Zealand work visa, or we need further information
  • You are not over 18 years old and do not have a verifiable and valid ID
  • You do not have a valid and verifiable email address and mobile phone number
  • You do not have two verifiable and valid forms of New Zealand ID. You would have received an email from us with contact information of the credit reporting agency. If you have any further questions or want to have your ID verified by different means, please contact the relevant agency
  • You do not have a New Zealand 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

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 performing a credit check.

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.

Have a question?

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

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