Frequently Asked Questions
- Select Products
Whatever you need for your home, you’ll find it here. - Submit Application
Our simple process looks at you, not just your credit score. - Submit Bank Statements
Submit your bank statements and you’re on your way.
To assess your application, you will be asked to provide ID and contact details for three-character references, in addition we must consider up to date financial statements and proof of income.
Yes. At 1st Choice, we care about you and we endeavour to supply you with the right product for your needs and financial circumstances. You can apply with 1st Choice NOW even if you’re receiving benefits.
We pride ourselves on being able to supply a huge range of products and brands. If you need anything at all please feel free to apply online, just add those products your interested in to your cart and click apply now. Â Or alternatively, we can give you a call request call backÂ
You have the flexibility to make additional repayments and pay out the loan early. Please note that early termination fees may apply, see the terms and conditions for details.
If you want a payout figure, please phone our friendly team or email us at customercare@1stchoicenow.com.auÂ
Yes we do credit checks, but it is only part of the application. We treat each application individually and understand that we all can hit speed bumps along the way in life. We have even approved people who have been bankrupt in the past. So we encourage you to talk to us if you have concerns about your credit history.
Our office is open between 9am and 5pm Monday – Friday.
Your due date will be 14 days after signing your contract. We will work with you to select the best debit date to suit your budget.
All payments must be made via direct debit from your financial institution’s account or using our Commonwealth BPoint payment system.
For more details on setting up direct debit or using BPoint, please contact our customer service team.
Here are some simple tips to help you save:
- Pay on time – Avoid paying additional interest, avoid late fees and protect your credit score.
- Pay a little extra when you can – Even small extra payments can reduce the interest you pay overall.
- Choose weekly payments – Paying weekly instead of fortnightly lower interest because you’re reducing your balance more often.
- Remember, interest is calculated daily – So the sooner you make payments, the more you save on interest.
Returning goods within the fixed term may not always be possible, however reach out to our team and discuss your individual circumstances.
When you sign your finance agreement, you become the legal owner of the goods. But until you’ve paid the full amount, 1st Choice still has a legal right to them. This means you can use the goods, but we may take them back if you don’t make your payments. Once everything is paid off, our claim is removed, and the goods are completely yours.
We are very flexible and understand that everyone can hit some speed bumps along the way. Just phone us on 1300 552 558 or email us at customercare@1stchoicenow.com.au. We will do whatever we can to help you, so it is very important that you let us know about your circumstances.
For any warranty repairs or technical support, you’ll need to contact the manufacturer directly, as they handle these matters. However, if you get stuck, we’re always here to support you in any way we can. If you have questions or need assistance, please feel free to call us on 1300 552 558 or email service@1stchoicenow.com.au. We’re happy to help—just let us know your situation.
Does your business require additional Fridge, TV or perhaps XBOX console for a day or more you have come to the right place. Â Do you want peace of mind that whatever you need, whether that be a Fridge, Lounge or TV it will all be delivered, installed and working as you want, when you want it? Â Then look no further.
For that little extra flexibility, you may prefer to rent for up to a month. Just pick up the phone and give us a call, and we will provide you with a quote. Or, alternatively, submit the form below and we will contact you.
