etika provides fairer consumer loans through our network of trusted business partners.
To bring financial inclusion to more people and businesses with fair and transparent finance.
Founded in 2012, etika is present in Australia and the UK. We are privately owned with no shareholders to answer to. The word etika means 'ethical' s several languages and that's what we embody in our people, services and ethos.
We're a purpose-driven lender with a unified vision, but with the ability to serve distinct segments and varied demographics.
Our mission is to bring financial inclusion to more people and businesses with fair and transparent finance.
We provide loans that fund a positive impact on people or the planet
In 2022 over 70% of our loan originations were for projects or partners that aim to have a positive impact on people or the planet - from improving hearing to providing accessible housing for disabled people.
We promote financial inclusion & wellness for our customers
We can provide loans to those with no or thin credit files, people over 80 years old or on disability pensions. We charge no late fees & charge fair (or no) lending rates.
We offer a fair & inclusive work environment, culture and employee offerings
We are committed to paying a living wage and 100% of our employees are paid a fixed salary. We provide a supportive and inclusive work environment, as backed up by 91% of employees who would recommend us to a friend or family.
Spread the cost of large purchases.
We do the right thing
We believe in what is right, as opposed to what is easy. We actively seek big and small opportunities to make a positive impact.
Be open and honest
We say it as it is and do what we say. We are transparent, upfront and real in everything we do.
We unapologetically stand up for what we believe in. We are unafraid to challenge the status quo and empower others to do the same.
With our simple API documentation, you'll be up and running in no time.
Incentivise the borrower by paying a portion of their loan repayment.
We align with reputable partners who seek accessible finance for everyone. Customised, secure finance that treats their customers fairly and respectfully. A positive customer experience results in enriched sales and deeper loyalty.
When buying goods they love or need, we try to closely match our finance offerings with customers’ repayment capabilities and the product's lifetime. Our fair and easy to understand finance helps customers feel in control and in charge of their finances.
Our honest, transparent, inclusive work environment is where everyone’s hard work, flexibility, ideas, and ambition is valued and rewarded.
We take pride in being accredited as a Living Wage Foundation Employer. We recognise that our greatest asset is our dedicated team, and we value the important role each individual plays. That's why we've committed to ensuring that every member of our team earns a real Living Wage - an independently calculated hourly rate of pay that's based on the actual cost of living, and is higher than the government minimum.
A team known for their drive and banter.
An office full of diverse ideas and personalities.
Our in-house hub of tech and development gurus.
Our diverse etikans have an enormous breadth and depth of experience to change things up, grounded by making a positive difference in the world of finance. If you’re looking for an opportunity to challenge and learn, with a future of doing good for others and you'd like to team up with people who want the same thing, come talk to us about a career at etika.