Samsung Finance by Glow

Samsung Finance by Glow is only available for select items from the online store.
During checkout, at the time of payment you may see Samsung Finance by Glow offered alongside other payment options, such as a debit or credit card. Once you have selected Samsung Finance by Glow, you will be able to select:

   1. Your upfront payment amount (from 10% to 50% of the total purchase price); and
   2. the Repayment duration, twelve (12) or twenty-four (24) months.

• Read and agree to the Samsung Terms & Conditions and Privacy Policy to proceed with your application.

To apply, you must:
• be an Australian resident, at least eighteen (18) years old and residing in Australia for the past three years;
• have an Australian bank account in your name which allows for a Direct Debit to be set up (we can’t set up Direct Debits using a credit card);
• have a Passport (we can accept a Passport that has expired within the last 2 years) or a current Australian driving licence;
• provide information about your income by supplying 3 months’ (90 days) bank statements to service the repayment arrangement;
• provide other relevant information to undertake a credit check; and
• consent to an income level assessment to make sure you can afford the monthly repayments.

Before we offer you a repayment arrangement, we’ll undertake a credit check on your record held with a Credit Reporting Bureau.

Using this, and the information you’ve given us in your application, we’ll assess your ability to make the monthly repayments over the term that you requested. This informs whether you will be eligible for a Samsung Finance by Glow repayment arrangement.

• We do not charge you any regular fees or interest for the life of your deferred payment arrangement.
• We may apply up to a $20 late payment fee if we cannot collect your monthly Direct Debit payment.

• Your first Direct Debit repayment will be taken thirty (30) calendar days from the date we are notified by Samsung of delivery of your goods.
• If you purchased two items or more, and some of your purchased items aren’t delivered within sixty (60) business days (excluding national public holidays), please use Samsung's Live Chat to get an update on your order.
• If Samsung can’t deliver the item(s) and you agree to cancel, the date your deferred payment agreement starts is the date we’re notified of the cancellation of such item(s). We’ll adjust the repayment arrangement amount to reflect the cancellation.
• Your welcome email will include full details of your Direct Debit schedule.

Yes, but only up to the remaining total amount payable on your repayment arrangement. To do this, call our customer services team on 02 8073 0555 (Monday to Saturday, 8am to 8pm AEST/AEDT, excluding national public holidays).

We don’t charge any penalties (e.g. early repayment fees) for overpayments or full repayments.

Please refer to the Returns and Cancellations FAQs for full details.

• If your purchased Samsung item is eligible for return, and Samsung accepts your return, then we will refund your upfront payment and cancel your repayment arrangement.
• If you purchased two or more items and want to return some of them, provided Samsung accepts the return(s), we will adjust your repayment amount to reflect the cancelled items.
• If you purchased two items or more and then cancel the delivery of some, but not all, of your items and Samsung accepts the cancellation, we will adjust the repayment amount to reflect the items cancelled.

• We use email, SMS, or phone to stay in touch with you, depending on the communication.
   • For example, we will get in touch with you via email before your monthly repayments are due.
• We may call you if you fall behind on your repayments.
• If you have any accessibility requirements, call us on 02 8073 0555 (Monday to Saturday, 8am to 8pm AEST/AEDT, excluding national public holidays) or email [email protected]
• We may also send you communications by post to the address you gave in your repayment arrangement Agreement, or any other address that you tell us is your principal place of residence.

Call us on 02 8073 0555 (Monday to Saturday, 8am to 8pm AEST/AEDT, excluding national public holidays).

Call us on 02 8073 0555 (Monday to Saturday, 8am to 8pm AEST/AEDT, excluding national public holidays).

• Yes, you can do this after we have taken the first Direct Debit from your account, just call us on 02 8073 0555 (Monday to Saturday, 8am to 8pm AEST/AEDT, excluding national public holidays).

• You cannot change your first Repayment Date. You can, however, make one change to your Repayment Date every six months. Your new Repayment Date will need to be a date up to fifteen (15) days after or before the original Repayment Date. You will need to provide at least fourteen (14) days’ prior notice before your desired Repayment Date occurs.

Yes, you can request a statement of amount owing by email at [email protected], or by calling us on 02 8073 0555 (Monday to Saturday, 8am to 8pm AEST/AEDT, excluding national public holidays).

While we can’t increase your existing repayment arrangement limit, you may be eligible for an additional repayment arrangement if your financial situation and credit history meet our requirements. To be considered, you’ll need to submit a new Samsung Finance application with your new purchase during checkout.

• We want to help you avoid this. If you think you will miss a repayment, please call us as soon as possible on 02 8073 0555 (Monday to Saturday, 8am to 8pm AEST/AEDT, excluding national public holidays). See ‘What can I do if I’m having financial difficulties?’ for more information.
• We may charge you a late fee of up to $20 on any late or missed repayments under your Agreement if you haven't paid the minimum due each month (or the remaining balance if less).
• Please be aware that missing repayments can have consequences. For example, you may have to repay what you owe us early and your credit record may be affected, making it harder or more expensive to borrow money in future. It could, in some circumstances, result in legal proceedings being taken against you to recover what you owe.

We are here to help. If you think you will have difficulty making your repayments, or have already missed repayment(s), please contact us as soon as possible on 02 8073 0555 (Monday to Saturday, 8am to 8pm AEST/AEDT, excluding national public holidays).

The sooner you contact us, the more effectively we can work together and make a plan to get you back on track.

We will pause any late fees as soon as we hear from you and as long as you have contacted us before any fees have been charged to you. See ‘What happens if I miss a repayment?’

You can also get free and impartial debt support from these organisations:
• National Debt Helpline is a not-for-profit service that offers step-by-step guides to tackle common debt problems.

Getting turned down for a repayment arrangement can be disheartening, especially if you don’t know the reason(s) why.

• We may reject your repayment arrangement application because you don’t meet our lending criteria at the time of your application. It could be because we don’t think you can afford the repayment arrangement, its repayments, or your credit history doesn’t meet our credit criteria amongst other factors.
• As part of our application assessment, we obtain credit information about you from the credit reference agency, Experian. You can contact Experian on 1300 783 684 (9am to 5pm Monday to Friday AEST/AEDT) or email: [email protected]
• You can get a copy of your credit file via the Experian website, which also contains tips and advice to help you understand your credit report and how to improve it if necessary.
• You can typically apply for another repayment arrangement after ninety (90) days.

• We aim to always provide the best quality of service to our customers, but if you feel that we have not met your expectations, please call us on 02 8073 0555 (Monday to Saturday, 8am to 8pm AEST/AEDT, excluding national public holidays), so that we can resolve any issues promptly.
• You can also email us at [email protected]
• As soon as we receive your complaint, we’ll investigate the issue raised and try to resolve the matter with you soon as we can.

• The personal information you provide to Samsung Finance by Glow is held and processed in accordance with this Privacy Notice.
• You can also refer to Samsung’s Privacy Policy here.
• You can ask us to provide details about your data that we have collected.
• You can also ask us to correct any factual errors.
• You can ask us to delete your personal details, subject to certain requirements, for example, a repayment arrangement closure.
• Please be aware that we do need to keep certain personal information, for example, your email address so that we can send you information about your repayment arrangement.
• We will not delete any data that we are required to retain for certain periods of time under applicable laws.