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With Afterpay, you get what you purchase now, and pay for it in 4 payments over 6 weeks, interest-free.

Afterpay pays the merchant in full, you make your first payment (approximately 25% of the total) at the time of purchase, and the remaining three payments are automatically deducted from your nominated debit or credit card approximately every two weeks.

We apply an approval process for each transaction that considers multiple factors, including your available to spend and on-time payment history. This process is carried out on every order, not just your first one. 

When you start using Afterpay, your spend limit starts low. Depending on various factors, including consistent on-time payments, you may become eligible for a higher spend limit.

Setting up an Afterpay account is simple and only takes a few minutes. To get the best experience, download the Afterpay app to apply. You can also apply during the checkout process at participating online retailers, where you’ll be redirected to an Afterpay sign-up page.. 

To apply, you’ll need to be an Australian resident, 18 years or older, and earning a regular income. We’ll ask for some basic details like your address, email and mobile number. As part of the process, we’ll verify your identity electronically and run a quick eligibility check. If you’re approved, just link a valid debit or credit card — and you’re good to go.

If you're having trouble signing up, reach out to our customer service team .here

Once approved, when you want to make a purchase, just choose Afterpay as your payment method at checkout, where available.

If you miss a payment, Afterpay may charge late fees. To help you avoid missing a payment, Afterpay send reminders leading up to the due date and an alert after a payment has failed. 

Afterpay may also pause your account and you won’t be able to buy anything else with us until you’ve paid the outstanding amount you owe us. You may notice your spend limit decreases too; this is because their system takes into account a range of different factors, including late payments, when setting spend limits.  they'll let you know if your spend limit changes.

For more information on how to reschedule a payment on an existing order see their help article here. Or reach out to customer service via the app if you need further assistance.

There are no fees when you pay on time.Unlike most credit cards, there are no hidden or annual fees, and we don’t charge interest when you pay it in 4.

If you miss a payment we do charge late fees. These fees never exceed 25% of the purchase price or $68; whichever is less.

Monthly fees apply to Afterpay Plus subscribers. You can upgrade to Afterpay Plus for $9.99 a month to use Afterpay almost anywhere. Afterpay Plus fees, eligibility criteria, terms and certain merchant or product-based exclusions apply. 

Afterpay cap late fees to help keep costs manageable for customers who miss a payment.

Late fees will never exceed 25% of the order total or $68 per order, whichever is lower. How this works:

• For orders under $40: A one-time late fee of up to 25% of the order total applies.
• For orders of $40 or more: A $10 late fee is charged when a payment is missed. If the outstanding amount remains unpaid after seven days, an additional $7 late fee applies . This is the same for all late payments until the 25% cap or $68 amount is reached. To remain within the cap, we may charge partial amounts of the $10 and $7 fees.
  
• You can check your General Terms for other late fees caps that may apply. 

Afterpay is committed to doing everything they can to help you not miss a payment, including sending you payment reminders and offering options to reschedule upcoming payment dates.

They have designed Afterpay to be completely different to traditional credit products that charge interest, so that our customers are never in a situation of high compounding interest and revolving debt.

It’s always interest-free when you pay in 4 payments.