Customer Service

Welcome to R4K: Your Gateway to Affordable Shopping and Financial Freedom!

Explore our vast collection of products including electronics, furniture, home essentials, and much more.

With R4K’s built-in finance, you can effortlessly pay off your desired items over 2 or 3 years, giving you ultimate flexibility.

Need a shorter term? We’ve got you covered with a 13-month option available upon request. Say goodbye to hefty upfront costs and embrace our low weekly payments, ensuring you keep cash in your pocket to enjoy life to the fullest. Ready to make it yours?

Apply now at the R4K online store, and let us assess your application for approval, based on R4K’s lending and approval criteria.

Start your journey towards owning the things you love with R4K!

1. Explore a world of big brands: shop with confidence as we bring you all the top brands you love and trust.
2. Extensive Product Selection: Discover thousands of products across various categories, ensuring you find exactly what you need.
3. Transparent Pricing: Say goodbye to surprises. With R4K, there are no hidden costs or unexpected fees. What you see is what you get.
4. Take Charge of Your Finances: Gain full control over your spending. R4K empowers you to make informed decisions and stay within your budget.
5. Affordable Weekly Payments: Enjoy the convenience of low weekly payments, making it easier than ever to own the products you desire.
6. Responsible Credit Approach: We prioritize your financial well-being. R4K’s credit is provided based on your ability to pay, helping you avoid falling into a debt trap.
7. Tailored Flexibility: Customize your repayment period to fit your needs. Choose between 13 months, 2 years, or 3 years, giving you the flexibility to manage your payments comfortably.

R4K It and unlock a world of possibilities without compromising your financial stability.

Ready to apply? 

Begin your journey HERE towards owning your desired products.

Get started in no time! Setting up your R4K Instalment loan is quick and effortless. Just provide a few key details for identity verification, and we’ll ensure your loan is tailored to suit your needs perfectly. We need to identify your full name, date of birth and current address, you can provide a combination of the following identity documents to validate this information:

• Drivers Licence, Key Pass, Student ID, Australia/Foreign Passport, Birth Certificate, Medicare Card, Bank Statements, any government issued statement i.e , ATO Notice of Assessment, 
• Your consent to retrieve a bank statement and credit check which we can do for you. No hassle

Yes, you can apply if you are receiving benefits. However, please note that at this stage, we are unable to accept Centrepay Deductions due to a constraint set by Services Australia. We offer Ezi debit or direct debit payment methods as alternatives.

If you apply for an R4K Instalment Loan, we take credit matters seriously and assume responsibility to ensure that the contract is not unsuitable for you.

When you apply for an R4K Instalment Loan, we do conduct a credit check to assist us in verifying that the loan payments align with your financial capabilities.

You can make payments through Ezi debit or direct debit methods. Unfortunately, we cannot accept Centrepay Deductions as Services Australia does not allow them for credit contracts.

To update your details, please get in touch with R4K promptly. You have a few options to reach us:

1. Contact our Customer Care team directly using the phone number provided on our website.
2. Fill in our online form, and we will prioritise getting back to you promptly.
3. Dial our National number at 1300 1300 77.
4. Utilise social media to send us a message, including your postcode and phone number. We will arrange a call back to assist you in updating your details.
5. We are committed to addressing your request and ensuring your information is up to date.

Yes, upon fulfilling all your R4K Instalment Loan payments, the ownership of the product is transferred to you once the last payment has been made successfully.

All R4K products are covered for faults and manufacture defects as covered by the products standard manufactures’ warranty, however, if damage is caused by accident, neglect or not used as the intended purpose it will not be covered by R4K.

Please also note, if you get any unauthorised technician/business to repair your item, you will void the manufacturer’s warranty and no further work required would be covered by your contract.

For manufacturer’s warranty coverage, you will need to contact the manufacturer directly for support.

If your items are lost or stolen, they are not covered by your contract, and it remains your responsibility to have appropriate insurance in case such incidents occur. However, you are still required to continue making payments for the duration of your contract.

Please get in touch with us, and our team will be available to discuss your options and provide the best possible assistance for your inquiry.

All the products available on our website are brand new and directly sourced from our suppliers. Currently, we do not offer second-hand products.

We offer convenient delivery services that bring your order directly to your doorstep. 

Through our extensive network of suppliers and couriers, we ensure prompt and reliable delivery. For standard deliveries, there will be a delivery fee of $80, and for deliveries outside the standard area this may incur an extra fee.

The specific delivery company will depend on the product you have ordered. Please note that since we utilise third-party suppliers and couriers instead of maintaining our own delivery fleet, occasional delays may occur due to communication between these parties.

Upon delivery, a signature will typically be required, unless alternative arrangements have been made.

We understand that life can present challenges, and we are dedicated to assisting customers who are experiencing financial hardship.

If you find yourself in a situation where you are uncertain about your ability to make your instalment repayments, we encourage you to reach out to our Compliance Team without delay.

Our Compliance Team will carefully assess your circumstances and work with you to find appropriate solutions to manage your financial obligations with us. Your well-being is important to us, and we are here to support you during this time.

Hardship Form

To give you every chance of providing you with the products you want, we need to do a financial assessment based on a one-off appraisal of your bank account. This is standard practice for any company working with the Consumer Credit Act. Our bank checks are done by an award-winning, secure service.

While our payments are advertised weekly, you can choose to pay every week or fortnight if that fits your financial situation.

Please contact us or call 1300 1300 77 during business hours and we’ll let you know how long is remaining on your contract, and our team will run you through the options available for you.

We understand your circumstances may change. Please contact us if you wish to discuss returning your product and cancelling your contract. There may be an early termination fee.

We understand your circumstances may change.

If you wish to discuss your options and how we can assist you, please Submit an enquiry or give us a call on 1300 1300 77 and one of our support operators will assist you.

An Instalment Agreement lets you buy something like a washing machine or TV and spread the cost out over time with regular payments. You’ll get the item right away, but you won’t officially own it until you’ve made all your payments. The ownership will transfer to you once the final payment is received.

Here are some key things to remember about Instalment Agreements:

• You’ll typically pay interest on the total amount you owe.
• You’ll find all the details about your agreement, including the interest rate and total repayment amount, in your contract.
• It’s important to make your payments on time to avoid any additional fees or late charges.

• The purchase of goods under an instalment agreement or Sale of Goods by Instalments (SOGI) does not include installation, assembly, or software. These services would need to be arranged separately and at your expense.

We recommend you carefully read the Instalment Agreement before you sign to make sure you understand all the terms and conditions. We are here anytime if you have any additional questions and look forward to assisting you further.