Buy Now Pay Later loans without account or late fees

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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!
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