Frequently asked questions

Who is Brighte?

Brighte Capital Pty Ltd ACN 609 165 906 ('Brighte') is an Australian company that was established in 2015 with a focus on providing households with affordable payment solutions. At Brighte we believe every family deserves to live in a sustainable and comfortable home, but we also know that sometimes you just don't have the cash to pay for what you need today. Our payment plans are a great way to help you get the solar panels, home battery or even the new air conditioning in before Christmas - but pay it back over time. Without having to pay interest.

We are a fresh company with bright ideas but we also have years of industry experience behind us – in fact Brighte's management team has over 90 years of experience in banking, consumer credit, Information Technology and energy.

What type of finance do you offer?

Brighte provides a low cost, no interest, continuing credit product called 'BrightePay'. If you make an application to Brighte and are approved for BrightePay, then you can use your available credit to purchase approved goods and services from Brighte vendors. As you repay Brighte the money owed to us under your BrightePay payment plan, you increase the amount of your available credit. This available credit can be used again for making future purchases of approved goods and services from Brighte vendors.

Think of Brighte as your one-stop 'no interest' payment solution for all your household energy and improvement needs! You can use BrightePay again and again...

How does it work?

  • Step 1. Choose Brighte as a payment method and complete a BrightePay application when you next purchase Goods or Services from a Brighte vendor.
  • Step 2. Read and accept the BrightePay Terms and Conditions, then submit your application to us.
  • Step 3. We will advise you of the outcome of your application. If you have been approved, you will need to pay the vendor a deposit for the Goods or Services (note that some vendors may not require a deposit).
  • Step 4. Your Brighte vendor installs/delivers your Goods or Services. You confirm that you have received the Goods or Services (we will send you an SMS or an email message so it's easy to respond to us).
  • Step 5. Brighte then settles your account with your vendor and we commence collecting your repayments from your nominated account.
  • Step 6. Start enjoying your Brighter life! And remember, you can use BrightePay again and again for all your household energy and home improvement purchases from Brighte approved vendors.

What are the fees?

  • $75.00 BrightePay application fee
  • $2.99 fortnightly payment processing fee
  • $3.50 monthly account keeping fee
  • $4.99 late payment fee (may be charged by Brighte if you miss a repayment)

Are there any other hidden costs or charges?

We will always be upfront with you about the fees and charges. There are no other 'hidden' fees that we will charge you.

How do I know if I am eligible for a Brighte payment plan?

To be eligible for BrightePay you must meet the following minimum criteria:

  • Homeowner (own outright or currently buying a home)
  • Over 18 years of age
  • Australian Permanent Resident
  • Employed or Self-Employed and working more than 30 hours a week
  • Self-funded Retiree or Pensioner (eligible pensions - Aged and Returned Servicemen)
  • Valid Identification (we prefer a Driver Licence)
  • Bank account in your name
  • Good credit record

Note that this list above is not exhaustive and Brighte may apply other lending criteria as determined appropriate by us, to ensure BrightePay is appropriate for you.

What facility limits are available?

The maximum facility limit for BrightePay is $30,000.

Your BrightePay facility limit is based on the cost of the Goods and Services you are purchasing less any deposit you pay your vendor. We do not provide facility limits that are greater than the initial required purchase amount.

However, should you re-use your BrightePay facility and a higher facility limit is required to cover the costs of your new purchase, then please contact us directly on 1300 BRIGHTE (1300 27 4448) to arrange this.

How do I apply for a payment plan with Brighte?

When you purchase Goods or Services from a Brighte authorised vendor they will provide you with BrightePay as a payment option. If your vendor is not already accredited with Brighte then ask them to contact us on 1300 BRIGHTE (1300 27 4448) to find out how they can get set up with affordable payment options.

What timeframe can I make the repayments over?

Your authorised Brighte vendor will advise you of the Brighte repayment terms they have arranged for their business. These may vary from store to store.

Can I choose the timeframe to make the repayments?

Your authorised Brighte vendor may provide you with options for repayment terms - it is best to speak directly to your vendor to find out more about what options they are able to provide.

How do I apply?

Let your authorised Brighte vendor know that you would like to take up Brighte's no interest payment plan and they can advise the next steps for how to complete and submit your application.

There are a few different application options that are available and these will depend on whether the sale is being made over the phone, online or face-to-face. All of the methods are easy to use and won't take up much of your time. Applications are quickly assessed and you will quickly know the status of your application.

What happens after my application has been submitted?

Brighte uses our proprietary credit algorithm to quickly assess your application. Usually you will know in a matter of minutes if your application has been approved or declined.

In some instances we may need to collect some further information from you in order to assess your application properly. In this scenario you will be advised that your application has been 'referred'. In this event, a staff member from Brighte will contact you on the phone number you provided to us in your application, and we will speak directly with you to collect the information.

If your application has been approved you will receive an email from us containing all the details of your finance application and repayment commitments. We will then work 'behind the scenes' with your vendor to get a copy of your invoice and purchase details and they will also advise us when they have delivered/installed your Goods and Services. We make contact with you via an email or SMS to confirm you have received the Goods and Services. Once we have this confirmation we go ahead and settle your account with your vendor and then start debiting your account for your repayments.

Can I make a change to the amount being financed after I have submitted the application?

Please contact a staff member at Brighte should you wish to discuss making a change to your Brighte application. You can call us on 1300 BRIGHTE (1300 27 4448) or email us at customercare@brighte.com.au.

How do I make repayments?

Brighte will debit your nominated credit card or bank account on the payment frequency you selected.

If I have any questions about anything related to Brighte, how can I contact you?

You can email us at any time at customercare@brighte.com.au and we will respond.

We are available via phone on 1300 BRIGHTE (1300 27 4448) Monday to Friday, 9am to 6pm AEST.

Can I pay my account off early?

Yes you can pay off your account early, and better still, there are no charges, fees or penalties for doing this.

Please call us on 1300 BRIGHTE (1300 27 4448) or email us at customercare@brighte.com.au and we can help you with this.

How do I close my account with Brighte?

Yes you can close your Brighte account at any time. If you have outstanding amounts owing on your account then these will need to be repaid to us. Note that there are no fees or penalties charged for repaying these amounts out early.

Please call us on 1300 BRIGHTE (1300 27 4448) or email us at customercare@brighte.com.au and we can help you with this.

How can I change my repayment details?

You can log in to your secure Customer BrightePay portal and make these changes to your nominated account yourself.

Alternatively, please call us on 1300 BRIGHTE (1300 27 4448) or email us at customercare@brighte.com.au and we can help you with this.

I have a question about the goods that I bought, who do I call?

If the question is related to the goods, in the first instance you should always call the company that you bought the goods from.

Brighte does pride itself on the vendors it works with and we would like to think they offer you a great product and support experience. Please give us a call on 1300 BRIGHTE (1300 27 4448) or email us at customercare@brighte.com.au if your experience with your vendor has not been 'top notch'.

I would like to make a complaint about my Brighte payment plan, whom can I speak with?

Brighte treats consumer disputes very seriously and as such, has both internal and external dispute resolution schemes in place that assist us to manage any concerns or complaints with Brighte's payment plan.

As soon as you have a concern we encourage you to contact us on 1300 BRIGHTE (1300 27 4448) or email us at customercare@brighte.com.au so we can attempt to address and resolve this issue.

Are my personal details safe when I provide them to Brighte?

Brighte is committed to the highest standards in data privacy and we are bound by the Australian Privacy Principles contained in the Privacy Act.

Our Privacy Policy sets out how we collect, use, store and disclose your personal information. https://brighte.com.au/pages/privacy

Tell me about Brighte's IT security standards?

Brighte encrypts all communications to the same industry standard that banks use. We partner with world leading providers to prevent fraud and ensure your data is secure. We subject our systems to periodic manual and automated security audits, both internally and from globally recognised security consultancies. We are committed to fraud prevention and will never store your credit card details. Our systems have been scrutinised by third parties to industry best practice and are verified and monitored by McAfee & Amazon.

For more info see our security page.

How do I tell if my connection to Brighte is secure?

When on the Brighte website you should see a little green padlock in the address bar. This green padlock means you are safely connected to brighte.com.au and that your connection is encrypted for security and to prevent eavesdropping.

For more info see our security page.

Vendor Portal

How do I reset my password?

You can reset your password by going to the login page of the Brighte website and clicking the 'Forgot password' link. Then enter your email address and instructions to reset your password will be sent to your inbox.

How do I add a user to the Portal?

Account administrators can add other team members to the Vendor Portal in the 'Team Members' section by clicking on the 'Add a team member' button.

Where can I download the app?

Both our Android and iOS Apps can be downloaded from the links below or by going into the 'Store' apps on your device and searching for 'Brighte' or 'Brighte Capital' and looking for our logo.

Apple store link:
https://itunes.apple.com/au/app/brighte/id1145627872?mt=8

Google Play store link:
https://play.google.com/store/apps/details?id=au.com.brighte.brighte_app