Making repayments

With Orange One you can pay off your balance each month, set up instalments that you pay off over a set term, or a bit of both. Either way, repayments are made automatically from an eligible ING account of your choice on the payment due date, so you’re in control.

Autopay

Repay either the amount due (the full amount) or the minimum repayment each month – it’s up to you. Don’t forget that if you pay the minimum repayment rather than the full balance each month, interest will start to accrue. Any monthly repayments from instalments you have set up will automatically be added to your autopay preference. Two days before your payment due date, we’ll send you a reminder SMS in case you want to make any adjustments to your autopay preferences.

Autopay

Repaying your amount due is the best way to keep your interest-free days and avoid paying unnecessary interest.

To change your autopay options:
Log in at ing.com.au and click

Orange One > More account information > Autopay > Edit

Additional repayments

You can transfer funds to your Orange One from an eligible ING account at any time using the app or online banking.

Additional repayments

Using surplus cash to make extra repayments is a great way to pay off your balance, and any instalments, faster.

All about instalments

Instalments are great for managing larger purchases without putting a huge dent in your cashflow. You even benefit from a lower interest rate.

All about instalments

You can create an instalment at any time using the app.

Select Orange One > Pay > Create instalment

• Use for purchases of $250 and above
• Terms from three months to seven years
• Monthly repayment amounts split across the term
• Automatically included in your monthly autopay repayment
• Make extra repayments any time using the app
• Create up to 10 active instalments
• Cancel within the first 24 hours
• Change the term up to three times if you wish

Here’s how it works

Jane’s fridge broke down and she needs to buy a new one right away. She doesn’t have the money on hand so she decides to use her Orange One. By creating an instalment plan, she can stay in control of her cash flow and pay the fridge off over six monthly repayments on a lower rate of interest.