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 does Payright work?
Payright loans allow you to purchase goods and services from us today and pay in instalments over time. There is a simple application process which in most cases only takes a couple of minutes and we can do for you during your purchasing appointment. You will need to pay a deposit as well as some fees and charges, all of which are clearly explained when you apply for your Payright loan. Instalments are conveniently direct debited from your nominated debit or credit card and there are no additional charges to make extra payments or to pay your loan out early.
What are the fees and charges to use Payright?
When you make a purchase, Payright will open an account for you. You will pay a one off establishment fee (from $0 up to $89.95). This fee is added to the loan amount and is payable over the loan term. There is also a monthly account keeping fee of $3.50, which is a charged (pro-rata) with each repayment and a $2.95 payment processing fee which is also added to each repayment. This information will be outlined for you in a credit schedule, and payments can be tracked by accessing the Customer Hub.
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 us 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 do I apply for a Payright loan?
You can apply for your Payright loan with us here at Janine Fabre Photography or online. You can also apply directly on your smart phone through an approved link sent to you by us. 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.
What do I need to apply for a Payright loan?
All you need to apply is your contact, employment and purchase details (including finance terms). This will also include providing details of your valid ID to ensure you are who you say you are. In some cases, Payright may also request for additional information to assess your application such as bank statements. Once approved, your payment details will also be required to set-up your ongoing payment facility.
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.
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 Janine Fabre Photography, 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 Payright Customer Hub.
Am I am able to pay more than the minimum amount on my Payright loan?
Yes, you can pay more than the minimum amount on your Payright loan. In fact, you can pay as much as you like at any time with no penalty (as long as it is more than the regular amount due each period). In order to make an additional repayment simply login to the Customer Hub, or contact Payright on 1300 338 496.
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. The payment processing fee of $2.95 will still apply for any payments made. Simply call Payright on 1300 338 496 anytime to make an arrangement.
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 make multiple purchases with Payright?
Yes, you are able to have multiple purchases and plans within the one Payright Account as long as you have the available limit.There is a $19.95 repeat purchase fee for additional plans however for ease of payment, Payright combines all active plans into one repayment. To keep track of your plans, log in to the Payright Customer Hub.