Spread the cost over 2–4 months.
No interest. None.
Available on purchases from $1–$1,500.
How it works.
What you need to get started.
- Your first instalment
- Be aged 18 years+
- Mobile number
- Valid email address
- Debit or credit card in your name
- A valid AU photo ID (or NZ if a resident there)
Openpay offers interest-free credit agreements, subject to eligibility criteria.
Fees apply for late payments, but are capped at $9.50 per plan. For more information and terms click here.
*Instalment amounts may differ by $0.01 due to rounding.
When you take out an Openpay plan, you won’t get unexpected fees. These fees are also outlined in the email sent to you on confirmation of your purchase. No “annual fees” or “application fees”, let alone “transaction fees” or “transfer fees”. And best of all, you’re not at the mercy of ever-changing interest rates.
If you take out an Openpay plan, you’re still just looking at one single flat fee. A single flat fee to be paid every fortnight.
Our late fee is $9.50. Full stop. End of story. It doesn’t increase. It doesn’t change due to interest rates. We won’t charge a late fee on top of a late fee. This means that we will only ever charge a late fee once per late payment.
We understand that there are times when you may not be able to make a payment. Please contact Openpay on 1300 168 359 before your payment date to learn about your options to reschedule the payment and avoid late fees.
Learn more here.
The limit may vary from store to store. It also depends on your financial circumstances. If you’re having trouble placing an order with Openpay, try placing an order for a lower amount.
If you require more than your available spending limit, you can apply for a higher amount from the Openpay app. From the app homepage, simply tap ‘Get Pre-Approved for more’.
Our team will review the application, and if you have been pre-approved, you will soon receive a confirmation email with the details of your new limit.
Learn more here.
Absolutely! You can open multiple plans for separate purchases, all plans are approved on a case by case basis. When you choose to pay with Openpay you will be told instantly if your plan has been approved.
Openpay is committed to responsible spending and lending, we consider a number of different factors before approving each plan.
Yes, protecting your information is very important to us. All card data is encrypted and we maintain stringent physical, electronic and procedural safeguards to protect your information.
Depending on the purchase amount you are making, you may be asked to consent to a credit check. In those instances, your consent will be clearly requested before a credit check is performed and your Openpay plan is created. Please note, this will lodge a credit check which may impact your credit score.
We take payments automatically on your scheduled date. If you’d like to pay back earlier, you can do this free of charge via your Openpay account.
Learn more here.
Full returns and partial refunds are available. Please return your goods to the merchant they were purchased, in line with the merchant’s returns policy. Once approved, you’ll receive a full or partial refund of any payments you’ve already made to us. All returns are subject to the merchant’s return policy.