Buy Now, Pay Later Plumbing Service

APPLICANT QUALIFICATIONS

• 18+ years old
• Australian Citizen / Permanent Resident
• Regular Income (FT/PT employment, self-
• employed, aged/veterans pension or self-funded Retirees)
• Photo ID: One of:

1. Australian driver’s license
2. Australian passport
3. Government issued photo ID

How does Payright work?

Payright loans allow you to purchase goods and services from Payright approved merchants like kLEEN PLUMBING) today and pay in instalments over time. There is a simple application process which in most cases only takes a couple of minutes. You may need to pay a deposit as well as some fees and charges, all of which are clearly explained when you apply for your Payright loan. Instalments are conveniently direct debited from your nominated debit or credit card and there are no additional charges to make extra payments or to pay your loan out early.

How do I apply for a Payright loan?

You can apply for your Payright loan with assistance from the Merchant kLEEN PLUMBING. You can also apply directly on your smart phone through an approved link sent to you by kLEEN PLUMBING. You will be asked some details about yourself and your purchase. Applications take a couple of minutes to complete and in most instances, you are provided with an instant decision.

Are there late fees for Payright payments?

If payments have not been made by their scheduled date, late fees will apply. The late payment fee is up to $12.95 and will be charged as a separate fee in addition to your overdue payment. Payright sends out welcome emails on all purchases which includes information on all fees and charges. You will also receive late payment notices from Payright when payments have been missed and become overdue.

What reference will appear on my bank statement?

A reference to Payright or Devizo (our previous brand name) will appear on your bank or card statement. You can also track all of your transactions by logging in to the Customer Hub.

If I pay a deposit, am I guaranteed an approval?

Paying a deposit won’t guarantee a Payright loan being approved. Payright want to ensure you have a positive payment experience and as part of our responsible approach to lending, we will assess your application against our credit lending criteria. Our credit assessment will take into consideration the finance terms, personal information you have provided on the application and your credit history information. Details of your Payright loan will be confirmed to you in writing via email once the application is approved.

What do I need to apply for a Payright loan?

All you need to apply is your contact, employment and purchase details (including finance terms). This will also include providing details of your valid ID to ensure you are who you say you are. In some cases, we may also request for additional information to assess your application such as bank statements. Once approved, your payment details will also be required to set-up your ongoing payment facility.

How do I activate my Account?

Your account is activated by the Merchant (kLEEN PLUMBING) once the goods or services have been delivered or are in the process of being delivered. Your account activated upon your first purchase and remains active beyond the repayment of your goods for as long as you require. Once your plan has been activated, Payright will provide written notice by email and send an SMS notification to your mobile phone number provided.

Contact Payright by calling 1300 338 496 or emailing admin@payright.com.au

• Late Payright payment
• Early payments
• Pay your Payright plan out early
• Obtain a payout figure
• Having trouble meeting repayments
• Change repayments
• Update your credit card details
• Update your direct debit details
• Request a Payright statement

Payright customer portal

It’s called the Payright Customer Hub. You can login to access your plan details, track your transactions, update your contact details and more.

How do I know when my repayments are due?

You can nominate when your first repayment is due. Once a start date is selected and the plan is activated by the Merchant, a welcome letter will be sent to you via email. The welcome letter will confirm the initial repayment date and frequency.

How does my Direct Debit work?

Your direct debit is a regular payment that is collected by us from your credit or debit card. If your repayment has been unsuccessful, Payright will attempt to direct debit on a future date until the repayment has been successfully received. For additional information, please refer to Payright’s Terms and Conditions. 

Who is Payright?

Payright is a provider of buy now, pay later loans which allows you to turn one big payment into easy bite size instalments!

How will I know once an application has been submitted?

Once an application for a Payright loan has been submitted, either by yourself or by kLEEN PLUMBING on your behalf, a verification code will be sent to your mobile phone number. You will be asked to use this verification code to authorise and progress your application. Therefore, it is important the contact details you provide are yours.

Do you conduct a credit check as part of the application process?

Yes, Payright may need to conduct a credit check as part of the application process. We want to ensure you have a positive payment experience and well as ensuring we are practicing responsible lending practices. A credit check is only conducted with your consent. When you apply for a Payright loan, you will be sent an SMS containing a verification code and asking your consent to conduct a credit check. When you provide the verification code to Payright or the Merchant, you are providing your consent to the credit check.

What are the fees and charges to use Payright?

When you make a purchase, Payright will open an account for you. You will pay a one off establishment fee (from $0 up to $89.95). This fee is added to the loan amount and is payable over the loan term. There is also a monthly account keeping fee of $3.50, which is a charged (pro-rata) with each repayment and a $2.95 payment processing fee which is also added to each repayment. This information will be outlined for you in a credit schedule, and payments can be tracked by accessing the Customer Hub.

Is the merchant required to inform me of the fees and charges?

Yes, all of our merchants are aware of the associated fees and charges and will discuss this with you as part of the application. These fees are also explained to you in the Payright portal if you apply for a Payright loan independently through the digital checkout of an approved merchant store. All fees and charges are confirmed in the approval and welcome emails we send you.

Is Payright safe and secure?

The protection of your personal information and the security of our customers is paramount. We comply will all industry regulations. Please refer to the Payright Privacy Policy for additional information.

How will Payright process my application?

Payright will process your application by assessing the application information and ensuring that you can comfortably afford the repayments. Payright may request for additional information such as bank statements to assess your application for approval. If it is required, we can provide you a safe and secure link where you can provide this information instantly through your online banking service.

Do you send out payment statements?

When your Payright loan is approved and activated, a credit schedule will be provided in writing to your nominated email address. You can also track your upcoming payment via the Customer Hub. Payment statements can be generated by Payright at your request.