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Level 4, 15 Moore Street, Canberra, ACT 2601, Australia

Finance Options

We are proud to be the only editing service in Australia to offer an after-pay service, allowing our clients to pay for their editing over time in manageable instalments.

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How it works

We recognise that academic editing can be a significant investment and it isn’t always possible to make full payment when you need your editing done. For that reason, we’ve partnered with Humm and Payright to offer interest-free, flexible payment plans.

The steps are simple. First, you choose the provider and plan that are right for you based on the amount you need to borrow, the deposit you are paying, how often you’d like to make payments and how long you’d like the payment plan to be. To help you choose, we’ve provided all the information you need about both providers and their plans on this page.

Next, you submit your document to us for editing and apply for your payment plan at the same time.

Choose Your Provider and Plan

Please read all the information about Humm and Payright carefully so you can decide which after-pay service and payment plan best suit your individual needs.

Humm is an Australian company assisting everyday Australians to buy now and pay later. They offer great value payment plans with loans up to $5,000 and they don’t charge any interest, ever.

To be eligible for Humm services you must (among other things):

  • be an Australian citizen or permanent resident
  • be over 18 years of age
  • be legally allowed to sign a binding agreement
  • provide a valid email address and mobile number
  • be employed (or have an income) to borrow over $2,000
  • own an Australian credit or debit card.

You can view your consumer terms and conditions that form the basis of your Continuing Credit contract with Humm here.

These are the basic details to keep in mind when deciding whether Humm works for you:

  • Instant decision made once you submit your application.
  • Enables loans for purchases up to $5,000.
  • For loans under $500, you can choose weekly or fortnightly payments with a repayment period of 2.5 months.
  • For loans between $500 and $1,000, you make fortnightly payments and can choose a repayment period of either 2.5 or 5 months.
  • For loans between $1,000 and $2,000, you make fortnightly payments with a repayment period of 5 months.
  • For loans over $2,000, you make fortnightly payments with a repayment period of 12 months.
  • You need to be employed (or have an income) to borrow over $2,000.

Fees and charges

Interest: $0.00
Early exit fees: $0.00
Establishment fee: $0.00 – $90.001
Monthly fees: $0.00 on loans of 2.5 months
$8.00 on loans of 5 months

1 For Big Things purchases, an establishment fee of $35 to $90 will also apply if you are new to Humm or a there’ll be a $22 additional purchase fee if you've used Humm before.

Payright is an Australian payment plan provider founded in 2016. Through providing interest-free payment plans for purchases up to $3,000, Payright makes things more affordable for consumers by spreading the cost of purchases over time.

Payright performs extensive identification and credit checks to ensure potential customers have repayment capabilities.

To be eligible for Payright services you must (among other things):

  • be an Australian citizen or permanent resident
  • be over 18 years of age
  • earn an income
  • if employed, provide your employer’s details for verification purposes
  • provide a valid Australian driver’s licence or Australian passport when you submit your application
  • provide a suitable credit or debit card for the purpose authorising regular direct debit repayments.

You can view your consumer terms and conditions that form the basis of your Continuing Credit contract with Payright here.

These are the basic details to keep in mind when deciding whether Payright works for you:

  • Decision made within 1 to 2 hours between 9 am and 5 pm (AEST) and within 12 hours at other times.
  • Enables loans for purchases up to $3,000.
  • Choose fortnightly or monthly payments.
  • Choose a repayment period of 3, 6, 9 or 12 months.

Fees and charges

Interest: $0.00
Early exit fees: $0.00
Establishment fee: Between $29 and $59.902
Monthly fees: $9.14 on fortnightly plans3
$6.45 on monthly plans4

2 The establishment fee for orders made with Payright is between $29 and $59.90, depending on the loan amount and repayment period chosen. Please see the Payright Terms & Conditions for more information.

3 Includes a payment processing fee of $2.95 and account keeping fee of $1.62 per payment (total of $9.14 per month).

4 Includes a payment processing fee of $2.95 and account keeping fee of $3.50 (total of $6.45 per month).

Capstone Editing has chosen to partner with Payright (Devizo Pty Ltd ABN 24 605 753 535) and Humm (Certegy Ezi-Pay Pty Ltd ABN 28 129 228 986) because they are Australian businesses that practice responsible lending.

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A portion of all proceeds are donated to Médecins Sans Frontières (Doctors without Borders)