Get it done now.
Pay your way.
A home repair shouldn't have to wait because the timing isn't right. We offer two flexible payment options — Brighte and Afterpay — so you can get the work done today and pay in a way that suits your budget.
Australia's leading home improvement finance platform. 0% interest, fast approvals, and fortnightly repayments built for everyday Australians.
Split your payment into four equal fortnightly instalments, with zero interest and no application required. Simple, fast, and trusted by millions.
Fund bigger jobs with 0% interest through Brighte
Brighte lets you fund between $1,000 and $30,000 worth of home repairs or improvements with 0% interest and fortnightly repayments. Applications take minutes and most customers are approved within five. No waiting, no hidden fees.
- 5-minute approvalsApply online in minutes and receive your decision almost instantly
- 0% interest payment planFinance between $1,000 and $30,000 with absolutely no interest charges
- Fortnightly repaymentsSmall, predictable repayments automatically deducted — we'll notify you before each one
- No early payout feesPay it off early whenever you like — no penalties, no strings attached
- 7-day customer supportBrighte's friendly team is available every day on 1300 274 448
How Brighte works
Get a quote
We provide you with a detailed, upfront quote for your job. No guesswork, no surprises.
Apply & lock in your date
Apply for your Brighte Payment Plan online in minutes. Once approved, lock in a booking date with our team. Brighte pays us in full when the work is complete — you deal only with your repayments.
Start saving
Work is done, you're sorted. Fortnightly repayments begin and the average customer saves over $1,000 annually on their electricity bill — often offsetting the repayments significantly.*
Fees, transparently: $2.30/week account keeping fee (included in your fortnightly repayment) + $75 establishment fee on your first repayment date. Late fee $4.99 (capped at $49.90/year).
See exactly what you'd pay
Use Brighte's official repayment calculator to see fortnightly amounts tailored to your job total — before you commit to anything.
Open Brighte CalculatorSmaller jobs? Split the cost four ways with Afterpay
Afterpay splits the cost of your job into four equal fortnightly instalments with zero interest — and no application required. Select Afterpay when you book and you're done. It's best suited to jobs under $2,000 where you want flexibility without the paperwork.
Afterpay is ideal for jobs under $2,000 where you want the convenience of splitting the cost without any formal application process. Simply select Afterpay at checkout and you're done.
- 4 equal fortnightly paymentsSpread costs without impacting your cash flow
- Instant approvalNo lengthy applications — approval happens in real time
- Always interest-freePay nothing extra when payments are made on time
Ready to get started?
Drop us your details and we'll walk you through the right finance option for your job.
Get Started Today
Your Finance Questions Answered
Will using Brighte cost me more than paying upfront?
No. Your tradie should never charge you more for using finance. The only fees are Brighte’s own account keeping fee ($2.30/week) and a one-off $75 establishment fee on your first repayment. There is no interest.
How quickly can I get approved for Brighte?
Most applicants receive a decision within 5 minutes of completing the online application. In some cases additional verification may be required, but Brighte’s team works quickly to resolve this.
Can I pay out my Brighte plan early?
Absolutely. There are no early payout fees. You can settle your balance at any time by calling Brighte on 1300 274 448 or managing your account online.
What's the difference between Brighte and Afterpay?
Brighte is designed for larger home improvement projects ($1,000–$30,000) and offers longer repayment terms. Afterpay is best suited to smaller jobs and splits your total into four equal fortnightly payments — no application required.
What happens if I miss a repayment?
For Brighte, a late fee of $4.99 applies, capped at $49.90 per year. If you’re experiencing financial hardship, contact Brighte directly — their team is available 7 days a week and are known for working flexibly with customers.