Frequently Asked Questions

Frequently Asked Questions

At Payright we are here to help you every step of the way.  Below we’ve included some of our most frequently asked questions.

If you can’t find what you are looking for we are here to help. You can reach us via the contact methods listed here

Who is Payright?

Payright is a provider of buy now, pay later loans which allows you to turn one big payment into easy bite size instalments!

How do I update my card details?

You can update your card details anytime in the Payments section of the Customer Hub here

Can I change my Payright repayments?

Yes, you can change the amount, date or timing of your repayments at any time as long as you pay at least the regular repayment amount each month. To change your repayment amount, simply login to the Customer Hub here, or contact us on 0800 338 496 to make arrangements.

What do I do if I cannot afford my repayments?

We understand that your circumstances can change and you may find it difficult to maintain repayments for periods throughout your loan term. If you experience problems with your repayments due to a change of circumstance.

Please visit our financial hardship page here for further information.

What do I do if I have a dispute regarding my payment plan?

Please contact us immediately if you have a dispute regarding your Payright payment plan. Customers can access Payright’s internal complaints and dispute resolution (IDR) process free of charge. If you have a dispute with the Merchant including the product or service, we encourage you to contact the merchant directly in the first instance to discuss your concerns. If you feel you have been unable to resolve your complaint with the Merchant, please contact us for further assistance.

For further information please refer to Payright’s complaints handling policy and procedure here.

How will I know once an application has been submitted?

Once an application for a Payright loan has been submitted, either by yourself or by the merchant on your behalf, a verification code will be sent to your mobile phone number. You will be asked to use this verification code to authorise and progress your application. Therefore, it is important the contact details you provide are yours.

Do you conduct a credit check as part of the application process?

Yes, Payright may need to conduct a credit check as part of the application process. We want to ensure you have a positive payment experience and well as ensuring the payment plan is suitable for you. When you apply for a Payright loan, you will be sent an SMS containing a verification code and asking your consent to conduct a credit check. When you provide the verification code to Payright or the Merchant, you are providing your consent to the credit check.

What are the fees and charges to use Payright?

All our fees are outlined in the ‘How it Works’ section of the Payright website.
You can access the applicable fees here.


Is the merchant required to inform me of the fees and charges?

Yes, all of our merchants are aware of the associated fees and charges and will discuss this with you as part of the application. These fees are also explained to you in the Payright portal if you apply for a Payright loan independently through the digital checkout of an approved merchant store. All fees and charges are confirmed in the approval and welcome emails we send you.

You can find information on fees and charges here

How do I know when my repayments are due?

You can nominate when your first repayment is due. Once a start date is selected and the plan is activated by the Merchant, a welcome letter will be sent to you via email. The welcome letter will confirm the initial repayment date and frequency.

Can I add a guarantor on my finance application?

No, Payright loans are only assessed on a single borrower. It is important that all the primary contact details belong to the applicant as we will send information relating to the Payright loan to the contact details provided. Once approved and the loan activated, a nominated third party can be added to the account in order to make enquiries on behalf of the customer.

Who can apply for a Payright loan?

Anyone who is over 18 years old, is an Australian resident and obtains a regular income. For more information, please discuss with your chosen merchant or contact the Payright team on 1300 338 496. The Payright lending criteria is then applied to each application to determine a credit decision.

How will Payright process my application?

Payright will process your application by assessing the application information and ensuring that you can comfortably afford the repayments. Payright may request for additional information such as bank statements to assess your application for approval. If it is required, we can provide you a safe and secure link where you can provide this information instantly through your online banking service.

Do you send out statements?

When your Payright loan is approved and activated, a credit schedule will be provided in writing to your nominated email address.

You can also view your transactions and generate a statement via the Customer Hub here

Do you have a Payright customer portal?

Yes we do! It’s called the Payright Customer Hub. Please login here to access your plan details, track your transactions, update your contact details and more.

Do you have a Payright mobile app?

We do! Through the Payright App you can apply for pre-approval from anywhere, to buy now and pay later with a Payright Partner. You can also manage your plans, update your details, and find Payright Partners near you. Download it via the App Store or get it on Google Play. Or learn more about the app here.

How do I deactivate my account?

Provided you have a zero-balance owing on all Payright plans you can request your Payright account to be deactivated by contacting us via the contact methods found here.

Can I make multiple purchases with Payright?

Yes, you can have multiple purchases and plans within the one Payright Account as long as you have the available credit limit. There is a repeat purchase fee for additional plans, however for ease of payment, we combine all active plans into one repayment.

To keep track of your plans, log in to the Customer Hub here

You can find information on fees and charges here

How do I apply for a Payright loan?

You can apply for your Payright loan with assistance from the Merchant, either instore or online. You can also apply directly on your smart phone through an approved link sent to you by the Merchant or through the digital checkout of selected online merchants. You will be asked some details about yourself and your purchase. Applications take a couple of minutes to complete and in most instances, you are provided with an instant decision.

How are Payments made?

Payments are taken automatically as scheduled from your nominated credit or debit card using a direct debit facility. You also have the ability to nominate a repayment start date. Once a start date is selected and the plan is activated by the Merchant, you will receive a welcome letter to confirm the initial repayment date and frequency. You can view your upcoming payment, and make additional payments by logging in to the Customer Hub here.

Are there late fees?

If payments have not been made by their scheduled date, late fees will apply.

The late payment fee will be charged as a separate fee in addition to your overdue payment. You will also receive late payment notices from Payright when payments have been missed and become overdue.

Payright sends out welcome emails on all purchases which includes information on all applicable fees and charges.

You can find information on fees and charges here

How can I make an arrangement for a late payment?

It is important to get in contact with us immediately if you have a missed payment so we can help to resolve the late payment.

To make an arrangement, please contact us via one of the contact methods listed here

Can I make early payments or pay my Payright plan out early?

Yes, you can make early payments or choose to pay your Payright plan out early. There is no penalty for making additional payments or paying out the agreement early. A payment processing fee will still apply to any payments made.
To keep track of your plans, log in to the Customer Hub here

You can find information on fees and charges here