Interest Fee Finance at Make Your House A Home


If you're planning on buying new furniture, we can make your purchase easy, manageable and affordable with an interest free* Once Line of Credit facility that allows you to repay your purchase with easy weekly, fortnightly or monthly repayments.

No interest is payable on the amount of the purchase during the interest free period. Pay the balance in full before the interest free period ends and you won't pay any interest at all on the purchase. What's more you can also re-use your account for other interest free purchases in-store or online.

      Features include:
  • No deposit on "in-stock" items
  • Just 30% deposit for custom orders
  • 6 months interest free
  • Borrow between $500 - $30,000
  • Low annual fee ($99 per annum)
  • Easy Application
  • Fast approvals
  • No early repayment penalties
  • Flexible repayment options - weekly/fortnightly/monthly
  • Complimentary Once Visa Debit card for easy access to your available credit
  • 24/7 access to your account online

Click here to view Key Facts Sheet

What do I need to complete the application?

Before you start your application, make sure you have the following handy:

  • Your residential details (including mortgage/landlord details)
  • Your financial details (including income, loans or debt)
  • Your employment details (name and phone number)
  • If self-employed, your accountant's name and contact phone number
  • Your Drivers Licence
  • If approved, you will need to be electronically identified using either your Australian Passport or Foreign Passport with an Employment Visa.
  • If you don't have a passport, you will need your medicare card

Apply online today! It’s really simple, and there is no commitment to purchase.

1. Apply online in minutes – simply choose “single” or “joint” application (You will be redirected to ONCE to complete your application)
2. Receive the decision via email within seconds
3. If approved, you will receive a ‘Welcome confirmation’ email
4. Then visit Make Your House A Home. Please ensure you bring along the “Welcome confirmation’ email, and a form of identification e.g. your current driver’s licence, to complete your purchase.


* Available to approved applicants only on a Once Line of Credit. Terms, conditions, fees & charges apply, including an annual fee of $99. Interest is payable on any balance outstanding after the interest free period expires. Finance is provided by Once Credit Pty Limited ACN 112 319 632, Australian Credit Licence 386194. Minimum purchase $500

Frequently asked questions

What is a custom order?
A piece of furniture that is a non-stock item (i.e. being ordered or made just for you)

Can my financed purchase comprise more than one item?
Yes it can, we provide substantial discounts for house packages - call the friendly staff at Make Your House A Home on 1300 850 535 and just ask!

Can I have a longer interest free period?
Yes you can, but it is at the store's discretion and depends on the amount of your purchase - again just talk to us!

What are the fees and charges ?
The annual fee is $99, this is charged on the account open date and annually on the anniversary of the account open date. Interest is payable on any balance outstanding after the Interest Free term. Other fees and charges may apply as set out in the contract.

When is my first repayment due?
The first repayment is due one (1) month after the documents are settled by Once Credit. 

How often will I get my statements?
A statement will be issued to you on a monthly basis approximately two weeks prior to the payment due date. You may receive you statement by email if you prefer.

What is the  minimum monthly repayment amount?
The Minimum Monthly Payment (MMP) is equal to 3% of the outstanding balance of the account or $30.00, whichever is greater. For example: if the outstanding balance is $5,000, then the MMP is $150. You will receive a monthly statement setting out the amount and payment due date. A $0.75 fee will apply to statements sent by Post. No fee will apply to e-statements.

PLEASE NOTE: That making only the minimum monthly repayment will not pay out the purchase within the interest free period.

How much do I need to pay to clear the loan within the Interest Free Period?

Amount financed + Annual fee ($99) divided by the Number of months = Monthly Repayment required to pay the loan out within the Interest Free period. This assumes no additional purchases, cash advances or any other fees and charges.

How can I make a repayment?
Repayments can be made by Direct Debit from your nominated bank account weekly, fortnightly or monthly at no charge. Alternatively, payments can be made via BPAY, POSTbillpay or by cheque. A non direct debit fee of $2.50 applies per transaction.

Can I make extra repayments?
Yes, at any time via BPAY, POSTbillpay or by cheque. Direct Debit is the preferred method of repayment to keep the account up to date. Direct Debits can be set up weekly, fortnightly or monthly. Payments using Direct Debit will not incur a charge. Payment methods other than Direct Debit will incur a fee of $2.50 per transaction.

Can I payout the loan at any time?
Yes, no penalties apply for early termination of the account.

What happens after the account is settled?
You will receive a welcome letter followed by a Once Visa Debit card within 7-10 days.

Can I re-use my account after my balance is repaid?
Yes, you certainly can.

How can I obtain a Credit Limit increase?
It's easy, just call Once on 1300 661 505, Mondays to Fridays (between 8.30 am and 5.30 pm EST) and the customer service team will assist you with a limit review.

I am an existing Once customer and currently have a MyBuy account, do I need to re-apply?
No, if you already have a MyBuy line of credit account, then you do NOT have to re-apply.
If you have registered for Online Access then to proceed with the interest free purchase you just need to log on as an Existing customer using your customer number and password. If you are not set up with on-line access, just call Once on 1300 661 505 or email and asked to be set up with on-line access (you will need your customer number and password for this to be done)

Can I apply for Interest Free finance? 

You can apply if you are:

  • 18 years of age or over at the time of the application
  • Currently employed and earning at least $25,000 gross per annum
  • A permanent Australian resident
  • Not a discharged or current bankrupt
  • Have no current credit defaults or outstanding writs or summons
  • Have a valid email address

Who is Once?
Once is rapidly becoming one of Australia's leading providers of simple, convenient and commonsense financial services. This is largely due to a wide variety of products and services inclding home loans and insurance. Visit to find out more.

*Terms, conditions, fees, charges and lending criteria apply. Once Interest Free Online facility is provided by Once Credit Pty Limited ACN 112 319 632 t/a MyBuy Australian Credit Licence 386194.

How do I find out more about the Once Agile card?

Go to:

How do I work out what my repayments will be?

Go to our online calculator:

Key Facts Sheet 

Other FAQs 

Winner of 2012, 2013, 2014 & 2016 Australian Furniture Retailer of the Year & Victorian Furniture Retailer of the Year