Setting up your Afterpay account

Setting up an Afterpay account takes a few minutes. Download the Afterpay app or visit the Afterpay web portal to apply. You can also apply during checkout at participating retailers.

Applying for Pay in 4

To apply, you'll need to:

• Be living in Australia

• Be at least 18 years old

• Have a valid, verifiable email address and phone number

• Have an Australian bank-issued debit or credit card

• Be capable of entering into a legally binding contract

• Have a valid, verifiable ID

• Agree to our Privacy Policy and Customer Terms

We’ll assess your eligibility, including information about your income and expenses and information in your credit report. We conduct a credit check as part of your application. This enquiry may be visible to other credit providers.

Once approved, choose Afterpay as your payment method at checkout.

Applying for Pay Monthly

Pay Monthly is Afterpay’s longer-term credit product, with monthly payments over 6, 12, or 24 months. The standard interest rate applies unless a promotional rate is offered. It's available at selected participating merchants. To apply for Pay Monthly, you must already have an Afterpay Pay in 4 account in good standing.

Some customers may also see an option to apply for Pay Monthly in the Afterpay app.

If Pay Monthly is visible to you in the app, follow the prompts to apply. Availability can vary, and seeing Pay Monthly in the app does not guarantee approval of your application.

If you don’t see Pay Monthly in the app, Afterpay Support can’t manually make it available. Availability is automatically determined based on a range of different factors.

We regularly review access, so continue to use Afterpay responsibly, including by making payments on time. If we need any additional information from you to complete a review, we’ll get in touch via the Afterpay app.

If you're new to Afterpay, you'll complete both applications in one flow at checkout:

• Apply for an Afterpay account (Pay in 4) — using the eligibility criteria above.

• Apply for Pay Monthly — an additional assessment including income, expenses, and a credit check through Experian.

If you already have a Pay in 4 account, you'll only need to complete the Pay Monthly application.

Pay Monthly eligibility

To apply for Pay Monthly, you'll need to:

• Be an Australian resident aged 18 or over

• Be earning a regular income

• Already have an Afterpay account

• Have an Australian-issued debit card for Pay Monthly payments. Credit cards aren’t accepted for Pay Monthly.

You don’t need to have the debit card linked before you apply.  If you’re applying through Apple checkout for an eligible Apple purchase, you can add one during checkout. If you apply in the Afterpay app, you can add one after your Pay Monthly application.

We'll assess your income, expenses, and financial commitments, and carry out a credit check through Experian. This is a hard check, which is visible to other lenders and may affect your credit score.

If your Pay Monthly application is not approved, we'll let you know. Your Pay in 4 account will not be affected.

What happens if my application is not successful?

If your application for an Afterpay Pay in 4 account is unsuccessful, refer to the outcome message for information about the decision and any next steps. If you already have an account and a purchase is declined, that does not necessarily mean a future purchase will be declined. Each purchase is assessed separately.

If your application for Pay Monthly is not approved, you may be able to apply again — for example, if your information was incorrect or your financial situation changes.

For both products, we consider several factors when assessing your application,  including information you've provided, your payment history with Afterpay, and information in your credit report.

Afterpay Australia Pty Ltd ABN 15 169 342 947, Australian Credit Licence 527911