Frequently asked questions

About Brighte
Brighte Capital Pty Ltd ABN 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 new air conditioning – but pay it back over time. Without having to pay interest.
Brighte provides a 0% interest payment plan*.

Once you make an application and are approved for a Brighte 0% interest payment plan* you can use your available credit to purchase approved goods and services from Brighte vendors.

Think of Brighte as your end-to-end solution for all your household improvement needs! You can use Brighte again and again^^ to realise the power of tomorrow, today.

^^All payment plans subject to Brighte’s lending criteria.
The Brighte marketplace connects customers with suitable Brighte accredited vendors in their area, allowing Australian homeowners to access home improvements today, and pay over time.

Use the Brighte marketplace to search for products and connect with Brighte accredited vendors in one simple click.
The Brighte marketplace works in three simple steps:
1. Select the product category you are interested in. For example, solar panels.
2. Enter your postcode, so we can connect you to vendors in your area.
3. Start your search! Each vendor will have a profile page with their recent jobs, service areas, brands, and other helpful details.

If you find a vendor you want to connect with, click 'request a quote' and your details will be sent to them.

Brighte works with over 500 vendors nationally who sell solar panels, batteries, and many other home improvement categories.

We endeavor to provide quality vendors, with every vendor listed on the Brighte marketplace having gone through our Accreditation process, believing that all vendors offering Brighte products must conduct themselves in a way that is lawful, fair and respectful towards any person, or business they engage with.

You can view the code of conduct for Brighte vendors here: https://brighte.wpengine.com/vendors/code-of-conduct/

**The Brighte marketplace facilitates the connection between Vendors and Homeowner and won't make any specific recommendations to households, but endeavors to provide quality vendors through it's formalised accreditation process.
Step 1. When you're ready to purchase from a Brighte vendor, choose Brighte as a payment method and complete a payment plan application. This can be completed via the Brighte website or directly with a Brighte vendor.

Step 2. Read and accept the Brighte Payment Plan Terms and Conditions, then submit your application.

Step 3. We will advise you of the outcome of your application.

Step 4. Your Brighte vendor will installs or deliver your goods or service. You confirm this has taken place (we will send you an SMS or an email message so it’s easy to respond to us).

Step 5. Brighte settles your account with the vendor and we commence your repayments from your nominated account.

Step 6. Start enjoying your Brighter life!
To be eligible for a 0% interest payment plan* you must meet the minimum following criteria:

-Be a homeowner (own outright or paying off a mortgage)
-Be a permanent Australian resident over the age of 18
-Employed or self-employed and working more than 25 hours a week. Or a self-funded retiree or pensioner (eligible pensions – aged and returned servicemen)
-Have valid identification (We accept drivers license, Medicare card or a passport)
-Hold a bank account in your name
-Have a 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 the 0% payment plan* is appropriate for you.

*All payment plans subject to Brighte’s lending criteria.
The maximum limit for a Brighte 0% interest payment plan* is $30,000.

Your plan 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 limits that are greater than the initial required purchase amount. However, should you reuse Brighte and a higher limit is required to cover the costs of your new purchase, please contact us directly on 1300-274-448 (BRIGHTE).

*All payment plans subject to Brighte’s lending criteria.
You can apply for a Brighte payment plan directly, through the Brighte website, or at the point of purchase with a Brighte accredited vendor.

To apply via the Brighte website, you can start at this link here [https://portal.brighte.com.au/pre-approvals/details?]. The application process, is all online and is broken into two clear steps.

Step 1 – Complete the 2-step pre-approval process to check if you meet the initial criteria
Step 2 – If you meet this initial criteria, continue to complete your online application. This will be quickly assessed, providing you a initial response once you submit your application.

Then browse the Brighte marketplace to discover and connect with a Brighte accredited vendor that is suited to your next home improvement needs.

Our team will be with you every step of the way and are always happy to answer any questions or queries you might have. Call us on 1300-274-448 (1300-BRIGHTE).

Applying with a Brighte accredited Vendor

Let your Brighte authorised vendor know you would like to use our payment plan. They will walk you through 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 usually know the status of your application within a matter of minutes. If your vendor is not already accredited with Brighte, ask them to contact us on 1300-274-448 (BRIGHTE) to find out how they can get set up with affordable payment options.
Repayments begin once you have confirmed the job has been completed.

How does it work?
Your Brighte accredited vendor will notify us of the job completion. We will send you an SMS or email for you to confirm this is correct.

Your fortnightly repayments to Brighte will commence the day after you confirm the vendor has completed the job. This will include your $2.99 payment processing fee. The $3.50 monthly account keeping fee will be debited separately.
$1.00 Weekly Account Keeping Fee* (Calculated daily and is included in the quoted repayment amount)
$4.99 late payment fee (charged if you miss a repayment)

Please note - you will not be charged any of these fees until you confirm the job is complete.

*The $1.00 Weekly account keeping fee calculated daily and is included in the quoted repayment amount.

Fees are subject to change, or new fees may be introduced. We will notify you by email at least 20 days before any fee change.
We strive to be transparent and our fees are all stated up front. Below is the detailed breakdown of our fee:

$1.00 Weekly Account Keeping Fee* (Calculated daily and is included in the quoted repayment amount)
$4.99 late payment fee (charged if you miss a repayment)

Please note - you will not be charged any of these fees until you confirm the job is complete.

*The $1.00 Weekly account keeping fee calculated daily and is included in the quoted repayment amount.

Our online tools makes it easy to monitor your account, check your repayments, loan value and amount owing. There are no penalties for paying out your loan early.

*All payment plans subject to Brighte’s lending criteria.
Your authorised Brighte vendor will advise you of the Brighte repayment terms they have arranged for their business. These may vary from vendor to vendor, with terms available up to 60 months^.

^Terms are determined by participating vendors. 60-month terms are not always available.

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.
Brighte will debit your nominated bank account or credit card. The default repayment frequency is fortnightly. If you wish to change your payment frequency to weekly or monthly, you can call the Brighte Team on 1300-274-448 (BRIGHTE).
There are no charges, fees or penalties if you make your account off early.

Please call us on 1300-274-448 (BRIGHTE) or email customercare@brighte.com.au and we can help you with this.

Login to the Brighte customer portal to make any relevant changes to your bank account details.

Alternatively, please call us on 1300-274-448 (BRIGHTE) or email customercare@brighte.com.au and we can help you with this.
Always call the vendor you purchased from.

At Brighte we pride ourselves on the vendors we work with and hope they offer you a positive experience. Please give us a call on 1300-274-448 (BRIGHTE) or email us at customercare@brighte.com.au if your experience with your vendor has not been satisfactory.
We take feedback from our customers very seriously and have an internal complaint resolution team to assist with managing any concerns or complaints quickly and fairly.

Please call us, on 1300-274-448 (BRIGHTE) or email us at customercare@brighte.com.au so we can address your issue as soon as possible.

We are also a member of an external dispute resolution scheme and in the unlikely event that your complaint cannot be resolved directly with Brighte, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA). AFCA is a new external dispute resolution scheme that replaces the Credit & Investments Ombudsman (CIO). AFCA will provide fair and independent financial services complaint resolution that is free to use:

• Online: www.afca.org.au
• Email: info@afca.org.au
• Phone: 1800 931 678 (free call)
• Mail: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001
Brighte is subject to a regulatory framework like all Australian companies. Additionally Brighte voluntarily complies with the same code as “regulated” credit providers. We screen and qualify all our vendors, and we have a code of conduct we expect them to abide by. Brighte prides itself on upholding the highest standards of integrity and ethics in order to deliver on its mission of delivering home energy efficiency.
At Brighte we are committed to our customers and understand that situations can change.

Please contact us, so we can collect more information about your situation and we can provide more details on the Brighte Hardship Policy.

Please contact us directly on 1300-274 448 (BRIGHTE), or email customercare@brighte.com.au, we are here to help.

More questions?

Call our friendly staff
on 1300-274-448 (BRIGHTE)

Mon-Fri 9:00am-10:30pm,
Sat 10am-6pm

Join thousands of Aussie’s choosing Brighte for energy & home improvements