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

Payright loans allow you to purchase a services from CJ Academy 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.

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 Merchant, 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 Payright Customer Hub.

Your direct debit is a regular payment that is collected by Payright 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. You can also request to update your Direct Debit payment details online on the Customer Hub here or by calling 1300 338 496.

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.

Payright understand that your circumstances can change and you may find it difficult to maintain repayments for periods throughout your loan term. Payright is committed to assess your situation and come to an arrangement to assist you through this time. They encourage you to contact them as soon as possible if you experience problems with your repayments due to a change of circumstance. Please visit their financial hardship page for further information.

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.

No, Payright loans are only assessed on a single borrower. It is important that all the primary contact details belong to the applicant as we will send information relating to the Payright loan to the contact details provided. Once approved and the loan activated, a nominated third party can be added to the account in order to make enquiries on behalf of the customer.

Please contact Payright immediately if you have a dispute regarding your Payright payment plan. Customers can access Payright’s internal complaints and dispute resolution (IDR) process free of charge.

The Payright offer cannot be used in conjunction with any other CJ Academy offer. The maximum amount CJ Academy customers can apply for is $5,000. CJ Academy do not require a deposit, however, Payright may ask for a 10% deposit to secure the loan. CJ Academy do not take responsibility for agreements between Payright and the customer.