Finance Options
We are proud to be the only editing service in Australia and New Zealand to offer an after-pay service, allowing our clients to pay for their editing over time in manageable instalments.
How paying by instalments works
We recognise that academic editing can be a significant investment, and it isn’t always possible to make full payment when you need your editing completed. For that reason, we’ve partnered with Humm, Payright, Afterpay and PayPal Pay in 4 to offer interest-free, flexible payment plans.
The steps are simple. First, you choose the provider and plan that suit you best based on the amount you need to borrow, the deposit you will pay, how often you’d like to make payments and how long you’d like the payment plan to be. To help you choose the option that best fits your individual needs, we’ve provided all the information you need about both providers and the plans they offer on this page.
Next, submit your document to us for editing and apply for your payment plan at the same time during the order process.
Choose Your Provider and Plan
Please read all the information about Humm, Payright, Afterpay and PayPal Pay in 4 carefully so you can decide which after-pay service and payment plan best suits your individual needs.
These details provided here are for information only and do not constitute financial advice. We encourage you to carefully research your options and read the corresponding terms and conditions before applying for any loan.
To be eligible for Humm services, you must (among other things):
- Be an Australian citizen or permanent resident
- Be over 18 years of age
- Be legally allowed to sign a binding agreement
- Provide a valid email address and mobile number
- Be employed or have an income
- Own an Australian credit or debit card
Basic details to keep in mind when deciding whether Humm will work for you:
- Instant decision made once you submit your application
- Enables loans for purchases up to A$5,000
- For loans under A$500, you can choose weekly or fortnightly payments with a repayment period of 2.5 months
- For loans between A$500 and A$1,000, you make fortnightly payments and can choose a repayment period of either 2.5 or 5 months
- For loans between A$1,000 and A$2,000, you make fortnightly payments with a repayment period of 5 months
- For loans between A$2,000 and A$5,000, you make fortnightly payments with a repayment period of 12 months
- You must be employed or have an income
- The first payment is due today
You can view your consumer terms and conditions that form the basis of your Continuing Credit contract with Humm here.
Fees and charges
| Interest | A$0.00 |
|---|---|
| Early exit fees: | A$0.00 |
| Establishment fee: | A$0.00-A$40.001 |
| Monthly fees: | A$0.00 on loans of 2.5 months A$8.00 on loans of 5 months |
1 For purchases over A$2,000, an establishment fee of A$40 will also apply if you are new to Humm; if you’ve used Humm before, there will be an A$22 additional purchase fee.
To be eligible for Payright services, you must (among other things):
- Be an Australian citizen or permanent resident
- Be over 18 years of age
- Earn an income
- If employed, provide your employer’s details for verification purposes
- Provide a valid Australian driver’s licence or Australian passport when you submit your application
- Provide a suitable credit or debit card for the purpose authorising regular direct debit repayments
You can view your consumer terms and conditions that form the basis of your Continuing Credit contract with Payright here.
Basic details to keep in mind when deciding whether Payright will work for you:
- Decision made within 1 to 2 hours between 9 am and 5 pm (AEST) and within 12 hours at other times
- Enables loans for purchases up to A$3,000
- Choose fortnightly or monthly payments
- The first payment is due today
- Choose a repayment period of 3, 6, 9 or 12 months
Fees and charges
| Interest | $0.00 |
|---|---|
| Early exit fees | $0.00 |
| Establishment fee | Between A$29.00–59.902 |
| Monthly fees | A$9.14 on fortnightly plans3 A$6.45 on monthly plans4 |
2 The establishment fee for orders made with Payright is between A$29 and $59.90, depending on the loan amount and repayment period chosen. Please see the Payright Terms and Conditions for more information.
3 Includes a payment processing fee of A$2.95 and account keeping fee of A$1.62 per payment (total of A$49.14 per month).
4 Includes a payment processing fee of A$2.95 and account keeping fee of A$3.50 (total of A$6.45 per month).
To be eligible for Afterpay services, you must (among other things):
- Be over 18 years of age
- Be legally allowed to sign a binding agreement
- Provide a valid email address and Australian mobile number
- Provide a valid delivery address in Australia
- Own an eligible credit or debit card
Please see the Afterpay Terms and Conditions for further information.
Basic details to keep in mind when deciding whether Afterpay will work for you:
- Loans limited to A$600 for new customers
- Pay in four fortnightly instalments
- Plans are interest-free
- There are no early-exit fees
- No fees charged when you pay on time
- The first payment is due today
Fees and charges
| Interest | A$0.00 |
|---|---|
| Early exit fees: | A$0.00 |
| Establishment fee: | A$0.00 |
| Monthly fees: | A$0.00 |
To be eligible for PayPal Pay in 4 services, you must (among other things):
- Reside in Australia
- Be over 18 years of age
- Provide a valid Australian residential address, email address and mobile number
- Hold a PayPal account with a valid credit or debit card or bank account
Basic details to keep in mind when deciding whether PayPal Pay in 4 will work for you:
- Acquire loans for purchases up to A$2,000
- Pay in four fortnightly instalments
- Plans are interest-free
- There are no early-exit fees
- No fees charged when you pay on time
- The first payment is due today
Fees and charges
| Interest | A$0.00 |
|---|---|
| Early exit fees: | A$0.00 |
| Establishment fee: | A$0.00 |
| Monthly fees: | A$0.00 |
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