Afterpay offers two ways to pay:
Pay in 4: Split your purchase into four interest-free payments over six weeks. You can use Pay in 4 online and in-store.
Pay Monthly: Spread the cost of a larger purchase over 6, 12, or 24 months. Interest applies unless a promotional rate is offered. Pay Monthly is currently available exclusively with Apple.
Pay in 4 and Pay Monthly are separate products with separate applications and spend limits.
Pay in 4
Pay in 4 lets you buy now and pay over time without interest. Your purchase is split into four payments over 6 to 8 weeks.
Choose a store in the Shop Directory, then select Afterpay as your payment method at checkout. If you’re a first-time customer, create an Afterpay account and apply for Pay in 4. If you’re a returning customer, log in to your account.
For an online order, the retailer ships your purchase after checkout.
To shop in-store:
Download the Afterpay app.
Follow the in-app instructions to set up the Afterpay Card.
Add the Afterpay Card to Apple Pay, Google Pay, or Samsung Pay.
Make a contactless payment at checkout.
You’ll pay 25% at the time of purchase and take your purchase home that day.
You can log in to your Afterpay account to view your payment schedule or pay before a due date. Otherwise, we’ll debit each payment on the date shown in your payment schedule.
If more than one instalment is due on the same date and uses the same payment method, we’ll combine the instalments into one transaction. Your payment confirmation email will include a breakdown of each instalment. We process orders paid with Apple Pay individually.
Afterpay does not approve every order. To support responsible spending, we consider factors such as:
How long you’ve used Afterpay
Your payment history
The amount you currently owe
The value of the order
Pay Monthly
Pay Monthly is Afterpay’s longer-term credit option for larger purchases at selected participating merchants.
How Pay Monthly differs from Pay in 4
You make monthly payments instead of four payments over six weeks.
Your first payment is due one month after your order is created. For items that ship later, it’s due one month after activation.
Interest applies. The standard rate is 19.99% p.a. unless a promotional interest rate applies.
We show the total cost, including interest, before you confirm your order.
You can use a debit card, but not a credit card. This includes credit cards stored in Apple Pay, Google Pay, and Samsung Pay.
You submit a separate application. We carry out a credit check and assess your income, expenses, and ability to make payments.
You need an Afterpay account with Pay in 4 before you can apply for Pay Monthly.
For more information, read About Pay Monthly at Apple.
Afterpay Australia Pty Ltd ABN 15 169 342 947, Australian Credit Licence 527911