About Afterpay

Shop now, pay it in 4 with Afterpay.

When you use Afterpay, you pay for your items in 4 instalments over 6 weeks, without incurring any interest. To use Afterpay, add items to your shopping cart then select Afterpay from the available payment options. You pay for the first instalment of 25% at the time of purchase, and the remaining three instalments will be automatically deducted from your nominated debit or credit card over the following six weeks.

How It Works

Add items to your cart and proceed to checkout.
Select Afterpay as your payment method.
You’ll be redirected to Afterpay to login or create your account.
Your payment schedule will be displayed.
Track your payments, check available spend limits, and make early payments in the Afterpay app.

Are There Any Fees for Using Afterpay?

Afterpay caps 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 continues for each late payment until the 25% cap or $68 total is reached. To stay within the cap, Afterpay may charge partial amounts of the $10 and $7 fees.

You can check your General Terms for other late fee caps that may apply.

Afterpay is committed to helping you avoid missed payments by sending reminders and offering options to reschedule payment dates.

Afterpay is designed to be different from traditional credit products that charge interest, helping you avoid high compounding interest and revolving debt.

Key Benefits

No interest: Pay over time without any interest charges.
Instant approval: Get a real-time decision at checkout.
Flexible spending: Manage your budget with manageable payments.

Eligibility Criteria

To set up an Afterpay account you’ll need to:

Live in Australia or New Zealand
Be over 18 years of age
Have an Australian or New Zealand debit or credit card
Have a valid and verifiable email address and mobile number
Be capable of entering into a legally binding contract
Credit checks apply

For full terms and conditions visit www.afterpay.com/terms.

Regulatory Update (Effective June 10, 2025)

Afterpay will conduct credit checks for new customer applications and may perform checks when assessing requests for spend limit increases. These checks may be visible to other providers on your credit report.

For full details, visit the official Afterpay Help Centre article.

Late fees, eligibility criteria and T&Cs apply. Australian Credit Licence 527911