Buy Now Pay Later loans without account or late fees

Enjoy affordable, fair finance without surprises, across the globe. Available to more people. Terms and plans to suit you. Clear and simple process.

Schedule a call

We deliver fair and flexible financial products, in a socially responsible way

We deliver fair and flexible financial products, in a socially responsible way. etika was founded in 2014 by a group of tech entrepreneurs, that wanted to make fairer finance accessible to more people globally.

etika offers interest free and fair finance without surprises to your customers

You will get your money upfront and your customer can buy what they need or want, increasing your average order value.

We help your customers stay in control of their budget, with a choice of between weekly, fortnightly or monthly repayments over eight weeks. With no account or late fees.

Our merchant fees are fair too. We charge 4% and $0.15 per transaction. Nothing to hide here. Feel free to compare!

This website does not support Internet Explorer.
To view this website, please upgrade to a modern browser.
Click here to download Google Chrome.