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.

How it works

Buy the things you love or need, with fair & flexible finance

Discover your budget

Check how much you can borrow within seconds, without leaving a hard check on your credit history.

How it works

Spread the cost

Get what you want now and select etika as your payment method to pay over time.

How it works

No surprises

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

More about etika

Frequently asked questions

How can I contact you?
You can call our customer services team on: 0800 028 9321

You may get free calls to this number as part of your call or mobile phone package. Please check with your phone provider.

For payments and customer service our lines are open:
Monday to Thursday 8am to 6pm
Friday 8am to 5pm
Saturday 10am to 4pm

You can call our applications team on: 0800 028 9321

For any questions on new applications our lines are open:
Monday to Friday 9am to 6pm
Saturday 10am to 4pm Sunday 11am to 4pm

Please email us at: hello.uk@etika.com

Our team will respond to your queries in working hours – Monday to Friday from 9am to 5pm

If you need to write to us, please send letters to:
Customer Services
etika Finance UK Ltd
PO Box 5600
M61 0UX.

Please quote your full name and address and your 12 digit account number on all correspondence.
Can I cancel the agreement after I’ve signed it?
Of course, you’ve got 14 days to cancel the credit agreement if you change your mind. However, please be aware that after that, you’ll be bound by the terms of your credit agreement.

If you’d still like to make the purchase and you applied for finance for goods or services, please contact the retailer you purchased the goods from and pay for the order via an alternative method. Your credit agreement will be cancelled, and your money will be refunded.
How do I set up or change a Direct Debit?
Please contact us on 0800 028 9321 and we can help you further.

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