FREEDOM PAY - Frequently asked questions (FAQ's)

What do I need to get started to verify my identity? 
We only need the following basic information to prove identity through our secure online platform:

  • Full Name
  • DOB
  • Address
  • Email Address 
  • Phone number

How much extra am I paying on top of what I’ve borrowed?
There is a monthly admin fee of $6.00 per month.

What’s the maximum repayment term? 
The Maximum repayment term is 10 Months.

Can I change my repayment length after I apply?
Your repayment length cannot be changed after application has been submitted, however if you choose to pay out earlier than originally applied for you will not be charged the remaining months admin Fees.

When will my first payment be taken?
Your first payment is determined by yourself which works as the following Scale

  • Weekly – Will have to be within a week of application date
  • Fortnightly- Will have to be within a fortnight of application date
  • Monthly – Will have to be within a month of application date

What if I have difficulty paying on time? 
Please send us an email outlining the change in your circumstances to and one of our friendly staff will get in touch with you.

Are there late fees / penalties
There is a $10.00 late fee applied to dishonoured payments that are not fixed up within the business day on the account.

How do I check what I still owe?
You can email us a request to or contact us on 1300 261 641

Am I making a credit application?
There is no credit application being submitted so your credit score will not be impacted using our services

How much can I borrow?
There is a Minimum amount of $100 with a Maximum amount of $2000

Can I spend it on anything?
We are launching Freedom Pay to be used on a range of Classic Products, however we look to keep adding to this list. Please chat with our consultants to get an updated list of what you can use Freedom Pay on. 

Do I have to pay everything off before I can holiday?
This is the best part as soon as you have received the confirmation your account has been settled you can holiday now and Pay later ( As per your payment schedule set out within your contract.)

How long will my application take to be approved?
If your application is submitted during business hours (Monday to Friday, 9am to 5pm AEST), the approval process can be processed within minutes. 



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