Apply for Splitpay online, an interest free payment option that spreads the cost of your purchase over 4 or 8 payments.
Zap is the new way to gift, earn and spend at Red Rat. Download the Zap app now so you can claim Zap earned from your purchases.
Apply for EZPay online, a flexible finance option exclusive to Red Rat that allows you to pay over time.
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Legal age to apply
18
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Legal age to apply |
Legal age to apply
18
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Payment type
Credit/Debit card instalment
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Payment type |
Payment type
Direct debit payment
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Initial maximum limit
Up to $500
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Initial maximum limit |
Initial maximum limit
Up to $500
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Minimum purchase requirement
$80
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Minimum purchase requirement |
Minimum purchase requirement
Nil
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Minimum weekly/fortnightly payment
$10/week or $20/fortnight
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Minimum weekly/fortnightly payment |
Minimum weekly/fortnightly payment
$20/week or $40/fortnight
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Interest
Interest Free
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Interest |
Interest
22% per annum
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Application fee
Nil
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Application fee |
Application fee
Nil
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Monthly account maintenance fee
Nil
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Monthly account maintenance fee |
Monthly account maintenance fee
$3 per month
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Missed payment fee
$10 each
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Missed payment fee |
Missed payment fee
$15 each
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Credit check
Yes
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Credit check |
Credit check
Yes
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First time purchase discount
20% off first purchase
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First time purchase discount |
First time purchase discount
$50 off first purchase when spend $199 or more
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Apply Now | Apply Now |