Openpay interest-free payments
Find out how Openpay's interest-free payment plans work to see if they will work for you.
What different scores mean
9+
Excellent
The crème de la crème of personal loans. These products offer the lowest cost loans accompanied by the best features.
7+
Great
Slightly higher in cost and fewer features, but these products are still competitive.
5+
Standard
Typically offering above average rates and possibly lacking in the features department.
0+
Basic
The least competitive in terms of both cost and features.
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How to apply for a Openpay personal loan
Applying online is a straightforward process. You'll need to meet general eligibility requirements including:
- Being at least 18 years of age
- Being an Australian citizen or a permanent resident of Australia
- Being in paid employment
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Do you have to make an initial payment every time you make a new purchase with open pay?
Hi Michelle,
Thank you for leaving a question and for reaching finder –
Yes, according to the terms and conditions the time you make a purchase which is, or is to be, financed under this credit contract, you must pay us an initial payment (“first installment”) inclusive of any Establishment Fee and a Plan Management Fee for the installment.
Hope this helps. Would you have further questions please do not hesitate to contact us again.
Cheers!
Val
I just registered with Openpay. I would like to know how do I know what my limit is and if the store isn’t on the list, can I still use open pay with that store?Thank you.
Hello Olga,
Thank you for your comment.
Your Openpay credit limit is disclosed to your after you’re approved. Credit Limit details can also be found directly at Openpay’s website. You can use Openpay in any merchants with Openpay payment options, even if it’s not on the list.
Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.
Regards,
Jhezelyn
When I buy something on Openpay do I need a deposit and how much do I need?
Hi Wayne,
Thank you for getting in touch with finder.
You don’t have to deposit any amount. However, at the point of purchase, you must pay an initial payment which includes an establishment fee and a plan management fee using your debit or credit card. You need to choose Openpay as the payment option. Your repayments with Openpay are automatically deducted as scheduled from your linked Visa or Mastercard or you can also make a payment early through the Openpay app.
I hope this helps.
Please feel free to reach out to us if you have any other enquiries.
Thank you and have a wonderful day!
Cheers,
Jeni
Hi, can you pay for domestic and international flights?
Hello Kaveeta,
Thank you for your comment.
Upon checking, there are no flight booking sites with Openpay. Alternatively, you can check our Afterpay flights and zipPay or zipMoney travel guide to know which sites offer Afterpay and zipPay or zipMoney flights.
Should you wish to have real-time answers to your questions, try our chatbox on the lower right corner of our page.
Regards,
Jhezelyn
Hi,
I’m looking to use open pay for a $3000 vet surgery. What will the payment plan roughly look like? And will I have to apply for a higher limit?
Thanks
Hi Lanie,
Thanks for your inquiry and for visiting finder.
We’re unable to give information on a payment plan for vet surgery from Openpay. To do this, go to the contact page on their website and reach out to them via email. In the email, also include how you can ask for a higher limit.
Hope this helps! For any other inquiries, feel free to send us a message anytime.
Kind regards,
Nikki