Join thousands of Aussies, completing their home now, and repaying in easy instalments

The Brighte 0% interest payment plan provides the opportunity to tick off home improvements, or upgrade your energy efficiency today, and pay back over time.

The Brighte 0% Interest Payment Plan has helped dreams come true, with $245M invested into Aussie households

The Brighte 0% interest payment plan is made for our customers in mind!

  • Fund purchases between $1k to 30K: Our account keeping fee is the same regardless of the finance amount and term.
  • Repay between 6 months to 60 months: Your chosen vendor will offer term’s available for you to choose from*
  • Apply and have an outcome in minutes Either apply for pre-approval for an instant outcome, or apply once you have a quote, either way, your application is processed fast!
  • Reuse your account: Once you have an active Brighte 0% interest payment plan, you may be eligible to reuse the amount already repaid or increase your limit**
  • Track your repayments: The BrightePay app allows you to track your repayments
  • Make additional repayments: We understand no one likes being locked in to a long term repayment plan, so pay it off quicker at no additional cost

What can I use Brighte for?

Brighte is here to meet your needs! You can use the Brighte 0% Interest Payment Plan for energy-efficient upgrades such as solar, batteries and lighting. Or for your home improvement dreams such as kitchen and bathroom renovations, landscaping and more!

To make it easy for you, we match you with Brighte accredited partners in your local area, check out who is available near you on the Brighte Marketplace

How does Brighte work?

Access Brighte 0% interest payment plan for purchases between $1k and $30k and spread the cost between 6 – 60 months.

Check out what your repayments could be with our repayment calculator

Why choose Brighte? Our mission is to make paying easy

We strive for transparency – check out the fees^

  • A $1/ week account keeping fee, included in your fortnightly repayment
  • NO FEE for early repayments or payout
  • NO FEE for requesting quotes through the Marketplace
  • NO FEE to download and access the BrightePay app
  • NO FEE to change your repayment date*

You should not pay any more for your goods just because you have chosen to use Brighte 0% interest payment plan over paying with cash, a debit card, credit card or any other payment method.

Apply for your payment plan:
Step 1: Apply for your payment plan:

If eligible, you can apply for Brighte pre-approval, and know exactly how much you can access.

Find a Brighte Partner  in your local area
Step 2: Find a Brighte Partner in your local area

Simply use the Brighte Marketplace to request free multiple quotes

Accept the quote provided by a Brighte Partner
Step 3: Accept the quote provided by a Brighte Partner

and use your Brighte pre-approval to instantly finalise your application. Don’t have pre-approval? that’s fine! the quote will also link through to an application so you can apply directly for that amount.

Start repaying your Brighte 0% interest payment plan
Step 4: Start repaying your Brighte 0% interest payment plan

Payments start once the job is complete, if you would like to change the date, our Customer Care team can also arrange this

Am I eligible?

Standard eligibility criteria:

  • be a homeowner
  • be 18 years or over
  • be employed, self employed, self funded retiree or receiving the Aged Pension
  • have a good credit history
  • be a permanent Australian resident or citizen

If you would like further information drop your contacts below and we will get in touch!

Easily manage your account through the Brighte App – Available for

Brighte 0% Interest Payment Plan customers

Check your balance, make extra payments or re-use for further home improvement projects. 

Download today

*Not all vendors offer all terms and products. You should consult with your chosen vendor for more information
**All reuse applications are subject to Brighte’s lending criteria & fees
^$4.99 late payment fee may be applied if you miss a repayment (Late fees are capped at $49.90 per calendar year). Other fees and charges may be applicable.
Minimum finance amount $1,000. All applications for credit are subject to Brighte’s credit approval. Approved applicants only. Fees, terms and conditions apply.