Payright is a secure, Australian owned and operated provider offering credit and payment plans with zero interest.
Applications and approvals take just minutes
Select your payment terms, deposit amount and repayment frequency.
Always zero interest. Fees apply*.
HOW TO SHOP WITH PAYRIGHT
Bubblegum Casting offers Payright on Membership fees and additional photography packages.
Payright loans allow you to purchase goods and services from our approved merchants 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.
You can apply for your Payright loan through the digital checkout via a link sent to you by Bubblegum Casting. 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.
Payments are taken automatically as scheduled from your nominated credit or debit card using a direct debit facility. You also have the ability to nominate a repayment start date. Once a start date is selected and the plan is activated by the Bubblegum Casting, you will receive a welcome letter to confirm the initial repayment date and frequency. You can view your upcoming payment, and make additional payments by logging in to the Customer Hub here.
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.
Yes, you are able to have multiple purchases and plans within the one Payright Account as long as you have the available limit.There is a $19.95 repeat purchase fee for additional plans however for ease of payment, Payright combine all active plans into one repayment. To keep track of your plans, log in to the Customer Hub here.
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, Payright 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.
Your account is activated by Bubblegum Casting. Your account is 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.
Yes, Payright may need to conduct a credit check as part of the application process. Payright 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, you are providing your consent to the credit check.
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 here.
Anyone who is over 18 years old, is an Australian resident and obtains a regular income. For more information, please contact the Payright team on 1300 338 496. The Payright lending criteria is then applied to each application to determine a credit decision.
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.
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 here. Payment statements are not provided automatically however we will be happy to generate one at your request. Please send your request through to [email protected] or call Payright on 1300 338 496.
Zip is a simple, secure and interest free payment option that is widely offered by businesses online and in store across Australia.
One account with one monthly statement, no matter how many times or where you shop.
No interest, hidden fees or upfront payments
Choose repayments that suit your lifestyle – weekly, fortnightly or monthly.
HOW TO SHOP WITH ZIP
Bubblegum Casting offers Zippay on any purchase. So, you can pay for your Membership Fees including your headshots and portals using Zippay or go for gold and add on a portfolio shoot.
Zip includes both Zip Pay and Zip Money. Zip Pay is a reusable account of up to $1000 that lets you shop now and pay later. Zip Money is for life’s bigger buys of over $1000. No upfront payments and interest free always. Make as many purchases as you like up to your account limit, then set up flexible repayments to suit your lifestyle. Easy as.
Apply in moments and get approved on the spot. Once approved, start shopping online and instore, wherever you see Zip at checkout. That’s it – your purchase is all yours, with nothing to pay today. Interest free always.
You can apply for a Zip account in 3 minutes by creating an account by clicking here.
All you need to apply is:
- A valid email address and mobile number.
- Be at least 18 years old.
- Be an Australian Citizen or Permanent Resident.
- Have a good credit history.
- Read more about what you need to apply for Zip Pay and Zip Money.
What is the application process for a Zip account?
Zip Pay only requires you to provide some pieces of personal information, to verify your mobile phone and to connect to a Facebook, PayPal or LinkedIn account in your own name.
Zip Money has more steps to complete as the credit limit is significantly higher, however, should only take you 3 minutes. In addition for what the would ask for a Zip Pay account, Zip will need you to provide your residential and employment status, as well as your income and other resources to comfortably meet the loan repayment. As part of the application they will also ask you for your transaction history via your online bank account, a step which is now commonly used in Australia to verify the information you provided.
Important: As this is an application for a line of credit, Zip may perform a credit check as part of the sign up process. Please ensure that all personal information you provide is accurate and your own, false information will result in your application being unsuccessful.
Once you submit the application, Zip will provide you with a decision as soon as possible.
How do I activate my Zip account?
Your account will be activated once:
- You have entered your secure SMS code
- You have linked a payment method to your account
- Your account is approved
- You have accepted the contract and T&Cs
Click here to sign in and finish your application.
After activation, you can start purchasing right away!
Zip give you one account for all of your purchases, with only one repayment schedule to manage! The minimum monthly repayment is $40 (or less if your balance is less). Choose from weekly, fortnightly or monthly payments to suit your lifestyle.
Zip Pay purchases are interest free, always. Zip Money is interest free if you pay off your purchases within the interest free period. Standard interest rate of 0.0% applies after the interest free period. The $6.00 monthly account fee is waived if you pay your balance by the due date. If there’s nothing owing on your account, there’s nothing to pay and no fees.
Keeping your personal data safe and secure is Zip’s top priority. They do this in a few different ways:
- Employ industry-standard and bank-level SSL encryption, as well as a world-class firewall service to protect your data
- They don’t require you to enter your credit card number or other sensitive information at checkout
- They perform fraud checks to ensure your safety
- They use 2-factor authentication on all purchases
Zip will send you a statement each month, which you can also access at any time in your Digital Wallet. Your statement provides a summary of all your Zip Pay transactions from that month.
In your statement, you’ll find information on:
- Your Opening balance: The total amount you owe at the start of the statement period
- Your Closing balance: The total amount you owe at the end of the statement period
- Payment due date: The date you need to make the minimum monthly payment by
- Minimum payment: The minimum amount per month you need to pay before your payment due date. If you do not pay this amount you will fall into arrears.
- Fees: Any fees that have been applied to your account, including your monthly account fees, late fees etc.
For Zip Money accounts you will also find:
- Interest free balance: The portion of your outstanding balance that is interest-free
- Standard annual percentage rate: The interest rate that applies after your interest-free period ends (this will depend on the retailer you purchased from)
- Fees: Any fees that have been applied to your account, including interest, dishonour fees etc.
Sign into your Zip account to:
- change your repayment schedule,
- view your available funds,
- increase your repayment, or
- make a one-off payment to bring your account balance down faster. Just remember, a one-off payment will not replace or stop your scheduled monthly payment.
If you have no outstanding balance at the end of the month, Zip will wave the $6 account keeping fee being applied to your account.