Introducing PayrightPlus:
Personal loans, made simple

Loans from $2001 up to $30K, paid over time in bite-size instalments.

Lending criteria, fees, charges and T&Cs apply.

Introducing PayrightPlus:
Personal loans, made simple

Loans from $2001 up to $30K, paid over time in bite-size instalments.

Lending criteria, fees, charges and T&Cs apply.


Rates from 8.99%

Discounted rates have arrived. They’re here for a good time, not a long time – so act fast.

Selected merchants only, see list below. Offer ends 7 August 2024. T&Cs apply.*

Great credit rating?

Be rewarded for your good credit history with better rates.

Tailored interest rates to suit you1. That’s a plus.


The Plus difference


Loans from $2001 - $30,000


Terms up to 5 years


Pay it off in bite size instalments


No fees for early payout

+  Rates start at 8.99% p.a up to 15.99% p.a (better credit history means you enjoy our lowest rate1) 

+ Loan terms from 1 – 5 years (loan terms available from individual merchants)

+ No fees to pay your loan out early

+ Origination fee of $99 for loans $2001 – $10,000

+ Origination fee of $199 for loans over $10,000 and up to $30,000

+ Monthly loan management fee of $8 (option to pay $3.69 per fortnight)

+ Repay fortnightly or monthly – whatever suits you

Your application is in your hands

On the spot

Head into a participating store or clinic to begin your application.

Quick & easy online application

No fuss, no paperwork. Fill it in wherever, whenever it suits you.

Decisions in a flash

You’ll have answers fast on the outcome of your application.

We’re here to help

Have more questions?

Get in touch with our friendly support team to find out more today.

Contact us today

Eligibility criteria

  • Customers must be at least 18 years of age and holders of Australian drivers’ licence, passport or other Australian Government issued identity documentation as accepted by Payright and from which the customer’s identity can be verified.
  • Individuals must have a verifiable email address and Australian mobile number and have a source of income.
  • Customers must have a current credit file available from Credit Reporting Body Equifax, free from any defaults, bankruptcy or judgement information.
  • Must be able to provide access to Bank Statement information electronically, via Illion Bank Statements, to electronically verify the customer’s financial circumstances.
  • Must be up to date on any other Payright loans at the time of application for Payright Plus.
  • Must be seeking to use the product for a personal, domestic or household purpose.
  • Must be seeking to make a purchase from a Payright Merchant accredited to offer PayrightPlus at point of sale.


Participating Merchants:

*Terms and conditions:

  1. Payright will offer you one of 3 interest rates (8.99%, 12.79%, 15.99% p.a. comparison rates 11.40%, 15.16% and 18.33% p.a.) based on your credit history as determined by our underwriting criteria. Lower rates available for better credit history.

Loans must be created and approved between 12:01am AEST 7 May 2024 and 23:59pm AEST 7 Aug 2024; and activated on or before 23:59pm AEST 21 September 2024.

WARNING : This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

EXAMPLE: A personal loan of $10,000 borrowed for 3 years with an interest rate of 12.79% p.a. (15.16% p.a. comparison rate), would equate to a total amount payable of $12,540.91 (including a $99 establishment fee and $8 monthly loan management fees).

ACL 533485