Buy what you love or need

Get fair, affordable financing without surprises. Flexible terms and a simple application process.

Finance your purchase

Get what you want or need now and use etika to pay off over time. Apply through one of our partners.

Spread your payments

Your instalments will automatically be deducted. Simple and straightforward.

No surprises

Our finance is fair and transparent.

How it works

Checkout with etika

Checkout with one of our partners and choose etika as your payment method.

Apply now

Your repayment schedule will appear once you've been approved.

You're done!

Just complete your order. Your card will be charged automatically when your payments are due.

Frequently asked questions

How do I sign up?

You will be prompted to create an account when you choose us as your payment method when making a purchase with any of our partners.

You can apply quickly and easily if you meet the following criteria:

  • You are an Australian Citizen or Permanent Resident
  • You must be over 18
  • You must have a valid email address and mobile phone number
  • You must own an Australian bank card
  • You must be capable and legally able to enter into contracts
  • You must hold a valid Australian ID
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. 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 and spread the cost, giving you more control over your budget. You can sign up through one of our partners. Before making a purchase with etika, it’s important that you consider your financial commitments and make sure that you can afford this purchase.

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.

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.

How much can I borrow?

This differs for each of our partners. Please check with them what options are available to you.

Before making a purchase with etika, it's important that you consider your financial commitments and make sure that you can afford this purchase.

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, in some cases, performing a credit check. We will let you know if this case. 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.

Why have I been asked to apply again?

Based on our assessment of your application we are not confident you will be able to meet the repayment obligations for the amount you requested.

However, we are able to lend you up to the amount we have advised you of when applying. If you would like to proceed with the new and lower amount, you will need to re-apply.

Why was my loan application unsuccessful?

Unfortunately, we are not confident enough in your ability to meet the repayment obligations for this loan.

Factors we rely on when assessing loans include:

  • Defaults listed on your credit report;
  • Overdue repayments listed on your credit report; and,
  • Your eligibility as set out in our Target Market Determination

When will my payments be taken?

You will receive a payment schedule and the payments will come out automatically. We will let you know the payment is due one day beforehand, via email and SMS.

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 add and set your alternative card to 'Make this card primary'. 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 New Card’ on the Home screen
  • You can select 'Make this card 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 'Make this card 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 if it’s outside of business hours.  

We will try to sort something out with you.

What are the impacts when paying for my loan via credit card?

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.

How can I cancel my direct debit?

If you need to cancel a direct debit request for an active or complete loan with etika, please call us on 1300 324 737. To discuss your cancellation request we’ll need to verify your identity and the details of the direct debit request. Please have the following information ready:

  • Full account name
  • Your date of birth
  • Your address
  • Merchant name
  • Loan Amount
  • Date of last debit & payment amount

Direct Debit Request Service Agreement

Can I make additional payments?

Of course you can. If you want to make an additional payment to your loan, you will need to login to your account.

  • Locate the loan you wish to make the payment towards on the Orders screen
  • Select ‘Make payment’
  • Enter the amount you wish to pay

We will put the additional payment towards any outstanding amount. If you don’t have an outstanding amount (or you make a payment greater than the outstanding amount) you will be able to decide how to apply the payment to your loan.

  • Pay next instalments - may provide a break in scheduled payments
  • Reduce loan term - may result in you paying off your loan earlier
  • Reduce future instalments - spreads the payment across all remaining instalments

Alternatively, just call us on 1300-FAIRER (324737) during business hours and we will assist you.

Is it possible to modify my upcoming payments?

Absolutely. Please contact our support team on 1300-FAIRER (1300 324 737) and request an update to your loan schedule so that it aligns with your preferred payment dates.

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

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.

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 '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.

Why am I not receiving an email to reset my password?

Make sure that, 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 or spam mail. If all else fails –  just call us on 1300-FAIRER (324737) or email us if it’s outside of business hours.

How do I add or remove a card?

You can always add a new card to your account by clicking on 'Add Credit 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.

What should I do if I suspect that someone else has accessed my account?

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.

It says no late fees, but I was charged a dishonour fee for missing 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 may get charged a dishonour fee by your bank or card company.

We simply pass on the exact costs your bank or 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 call us on 1300-FAIRER (324737) or email us and let us know as soon as possible, before the payment is due.

How do I resolve a dispute?

If you have a concern with a specific purchase, you should always contact the business that you bought from, first. This is often the fastest and easiest way to resolve any issues. If you attempted to contact the business in question and were unable to resolve it directly with them or for any complaints regarding our services, please email us to lodge a dispute.

How do I change my legal name?

When you have legally changed your name you will need to provide supporting documents such as a marriage certificate or change of name certificate. You can email us or call us on 1300-FAIRER (324737) during business hours and we will assist you.

Remember to provide your etika order number to assist us in locating your details.

How do I get a refund?

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

After you return  goods to one of our partners before the end of your loan and/or 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 our partner 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 you have only made a $25 payment -  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 the 2nd instalment of $15 as per your payment schedule.

Full Refunds
We will automatically cancel your payment schedule, so you are no longer charged for the order. We will process a refund of your upfront payment and any other payments you may have made, 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).

Why am I still being charged when I have returned purchased goods?

We recommend you contact the business you purchased from, directly.

They need 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 our partner does this, unfortunately.

We will of course refund any payments you made while you were waiting for your refund to be processed, once our partner approves it.

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

When is my first payment due?

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

How do I dispute the AIA Vitality points/contribution I received this month?

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

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.

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 1300-FAIRER (324737) or email us if it’s outside normal business hours.

What is a Continuing Credit Agreement?

A Continuing Credit Agreement is a facility that allows you to make multiple purchases under a single agreement, up to your approved facility limit.

When will my first payment be required?

Your first payment will be due the day after the first loan that forms part of the Continuing Credit Agreement is activated by the merchant. You should clarify your specific activation date with the merchant.

Where can I use this?

With selected merchants, as part of the purchase and application process you will be made aware of whether you can use a Continuing Credit Agreement.

How many purchases can I make under a Continuing Credit Agreement?

You can make as many purchases as you like with our Merchants who offer this type of Agreement, up to your facility limit.

Can I increase the facility limit of my Continuing Credit Agreement?

Yes you can. If you wish to make a purchase that would exceed the current available balance of your facility, you can apply for an increase to your limit in order to make the purchase. This application is subject to approval and our Terms and Conditions. We will inform you during the application process if we will approve the increase.

What happens if I don't make payments?

 In the event that you do not make a payment on time, your facility and/or loans under the facility may go into arrears. This may cause you to have an outstanding balance under the facility for a longer period of time, which may increase the number of monthly service charges you incur.

How long does a Continuing Credit Agreement stay open?

The Continuing Credit Agreement will remain open until all loans that form part of the facility have been repaid in full, and you have no further applications for new loans under the facility. You will only incur the monthly Service Charge whilst there is an outstanding balance under the facility.

I already have a loan with etika, will this sit under the Continuing Credit Agreement?

You can have different types of loans with etika. Either a standalone Loan Agreement or a loan under a Continuing Credit Agreement. You can see each of these loan types within your customer portal or by looking at your original Agreement Terms. A standalone Loan Agreement can not become part of a Continuing Credit Agreement.

Why am I being charged $10 per month?

The $10 monthly service charge is part of our Continuing Credit product, which is offered by certain retailers. It is included in your credit agreement and helps cover financing costs.

Why do some applications have a service charge while others don't?

The presence or absence of a service charge depends on the type of agreements with different retailers. Some retailers choose to cover the full financing costs, while others opt to share the costs through a monthly service charge of $10 under a Continuing Credit Agreement.

When will the payment be taken if I am being charged a service charge?

The service charge payment will be taken monthly, the first time it will be taken will be the day after your first loan under the Continuing Credit Agreement is fulfilled. The payment will be charged separately from any of your loan repayments. Service charge payments may fall on a different day to loan repayments due to your chosen loan repayment schedule.

In the case your loan service charge falls on the 29th, 30th or 31st of the month, we may adjust the day your service charge is taken so that it falls on the last calendar day of the month.

Why might the service charge payments not be on the same day as my monthly or fortnightly loan repayments?

The timing of the monthly service charge payments may not align with your regular monthly or fortnightly loan repayments, because they are based on the day of the month when your Continuing Credit Agreement was first activated. This means that the payment date may vary from your other payment schedules. The service charge payment schedule cannot be modified. The monthly service charge is applied irrespective of the number of purchases and you will only ever be charged one monthly service charge

If I pay off my loan early, will I still have to continue to pay the service charge?

No, once all your loans under your Continuing Credit Agreement are paid off, there will be no further charges.

Am I allowed to return my purchased products?

For inquiries regarding returns, please consult the merchant's returns policy. They will provide you with the necessary information and guidance. If you have made a return to the merchant, they will inform us, and you will be refunded.

I have received a full refund from the merchant, will I also receive a refund of any service charges?

In some cases, you may be eligible for a refund of the Service Charge. Generally, this is for full refunds within 90 days from the date your Continuing Credit Agreement was activated.

Have a question?

Our office hours are Monday to Friday from 8am to 6:30pm and Saturdays from 9am to 5pm (AEST).

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