Don’t just pay later.

Pay better.

Buy now, pay in four instalments over 6 weeks, and never pay interest.

Sign Up Now

How Afterpay works.

Pay over 6 weeks.

Get what you need now. Make your first payment today and the rest over 6 weeks. We’ll send you reminders, so you never miss a payment.

Never pay interest.

We never charge interest.
Full stop.

No fees when you pay on time.

Afterpay is free when you pay on time. Pay nothing to sign up, no establishment fees, no monthly account fees.

Smart spend limits.

Our spending limits start at around $600 and only increase gradually with responsible spending behaviour.

The app is

where it's at.

Shop the latest brands and products.

Wishlist your

favourite items.

Shop in-store

and online.

Manage

payments.

Pay better to

earn rewards.

Find out about Pulse Rewards

Download at the App Store

Download at Google Play

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Better money mindset.

Afterpay is a way for you to take control of how you spend, and have transparency across every aspect of your spending. Simply put, to empower your financial wellbeing. Discover the tools we’ve created to help you live your best financial life.

Learn more about financial wellness

Get started
with Afterpay.

2

Enjoy simple

sign up.

3
Shop online: select Afterpay at checkout.

4

Shop in-store: set up Afterpay Card.

Get Afterpay Card
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Frequently asked questions.

Is it hard to open and use
an Afterpay account?

No

Setting up an Afterpay account is a simple process, and anyone over 18 can do it. To make it quick and easy for you, we verify your identity electronically (rather than you having to do time-consuming paperwork). Then, when you want to make a purchase with any of our partner retailers, just choose Afterpay as your chosen payment method at the checkout. 

It’s important to know that we do apply an approval process for individual purchases. This is because we’re completely committed to ensuring responsible spending. Our approval process takes a number of factors into account, including whether there are sufficient funds in your account (particularly for new customers), and how much you will have to repay on the purchase. 

We carry out this process on every order you make with Afterpay, not just the first one. You should know that we don’t approve 100% of orders as we’re committed to ensuring responsible spending for Afterpay customers.

Is Afterpay really interest-free?

Yes

We never charge interest, and we promise there isn’t a catch. Afterpay is a free service, as long as you pay on time. If you do miss a payment, you will incur a late fee, and you won’t be able to buy or book anything else with Afterpay until you settle your account. We will charge you a capped late fee that starts at $10 but never goes higher than 25% of the purchase price or $68 (whichever is less). On a $40 purchase, for example, that means no more than $10 in late fees. But no interest, ever.

Are the late fees worse for me than interest payments?

No

Unlike interest, our late fees are capped and don’t compound. We also pause your account until the balance is paid and you're back on track. Afterpay is a free service for customers who pay on time. However, as we pay the retailer upfront on your behalf when you use Afterpay to shop, if you do miss a payment then we will charge you a late fee. Importantly, and unlike interest, our late fees are capped: for absolute transparency (because that’s what we believe in), for each order below $40, a maximum of one $10 late fee may be applied per order. For each order of $40 or above, the total of the late fees that may be applied are capped at 25% of the original order value or $68, whichever is less. We also pause your account until the balance is paid and you're back on track. We do everything we can to help you not miss a payment, and we certainly don't want you getting into further financial stress. We’ve 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 extended debt.

Is using Afterpay bad for my credit score?

No

Afterpay does not affect your credit score or credit rating. Your credit score can be impacted when somebody does a credit check on you or if you are reported as paying debts late; at Afterpay, we never do credit checks or report late payments. We don’t believe in preventing people from accessing Afterpay because they may have had an old debt from a long time ago. And we don’t believe that missing a payment with Afterpay should result in a bad credit history - especially when the average purchase is only around $150 (which may surprise you). Our main aim is always to help you spend responsibly, and we take a lot of steps to help ensure this, including pausing your account when you miss a payment.

Is Afterpay just another form of debt?

No

One of the main reasons we built Afterpay was to help customers get what they need without existing in an ongoing state of debt. When you use Afterpay, you pay for your items in full over a short period of time - 6 to 8 weeks - without incurring any interest. 

We’re completely different to traditional credit products, which can push customers into long-term debt at high interest rates. If you do miss a payment, we charge late fees, but never any interest, and our late fees are low and capped so they can’t ever go higher than 25% of your order value. We also stop you purchasing once you’ve missed a payment. We know our approach works because 79% of our global community have never incurred a late fee and 95% of purchases are paid for on time.

Got more questions?
Get in touch

Frequently asked questions.

Is it hard to open and use an Afterpay account?

No

Setting up an Afterpay account is a simple process, and anyone over 18 can do it. To make it quick and easy for you, we verify your identity electronically (rather than you having to do time-consuming paperwork). Then, when you want to make a purchase with any of our partner retailers, just choose Afterpay as your chosen payment method at the checkout. 

It’s important to know that we do apply an approval process for individual purchases. This is because we’re completely committed to ensuring responsible spending. Our approval process takes a number of factors into account, including whether there are sufficient funds in your account (particularly for new customers), and how much you will have to repay on the purchase. 

We carry out this process on every order you make with Afterpay, not just the first one. You should know that we don’t approve 100% of orders as we’re committed to ensuring responsible spending for Afterpay customers.

Is Afterpay really interest-free?

Yes

We never charge interest, and we promise there isn’t a catch. Afterpay is a free service, as long as you pay on time. If you do miss a payment, you will incur a late fee, and you won’t be able to buy or book anything else with Afterpay until you settle your account. We will charge you a capped late fee that starts at $10 but never goes higher than 25% of the purchase price or $68 (whichever is less). On a $40 purchase, for example, that means no more than $10 in late fees. But no interest, ever.

Are the late fees worse for me than interest payments?

No

Unlike interest, our late fees are capped and don’t compound. We also pause your account until the balance is paid and you're back on track. Afterpay is a free service for customers who pay on time. However, as we pay the retailer upfront on your behalf when you use Afterpay to shop, if you do miss a payment then we will charge you a late fee. Importantly, and unlike interest, our late fees are capped: for absolute transparency (because that’s what we believe in), for each order below $40, a maximum of one $10 late fee may be applied per order. For each order of $40 or above, the total of the late fees that may be applied are capped at 25% of the original order value or $68, whichever is less. We also pause your account until the balance is paid and you're back on track. We do everything we can to help you not miss a payment, and we certainly don't want you getting into further financial stress. We’ve 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 extended debt.

Is using Afterpay bad for my credit score?

No

Afterpay does not affect your credit score or credit rating. Your credit score can be impacted when somebody does a credit check on you or if you are reported as paying debts late; at Afterpay, we never do credit checks or report late payments. We don’t believe in preventing people from accessing Afterpay because they may have had an old debt from a long time ago. And we don’t believe that missing a payment with Afterpay should result in a bad credit history - especially when the average purchase is only around $150 (which may surprise you). Our main aim is always to help you spend responsibly, and we take a lot of steps to help ensure this, including pausing your account when you miss a payment.

Is Afterpay just another form of debt?

No

One of the main reasons we built Afterpay was to help customers get what they need without existing in an ongoing state of debt. When you use Afterpay, you pay for your items in full over a short period of time - 6 to 8 weeks - without incurring any interest. 

We’re completely different to traditional credit products, which can push customers into long-term debt at high interest rates. If you do miss a payment, we charge late fees, but never any interest, and our late fees are low and capped so they can’t ever go higher than 25% of your order value. We also stop you purchasing once you’ve missed a payment. We know our approach works because 79% of our global community have never incurred a late fee and 95% of purchases are paid for on time.

Got more questions?
Get in touch

14m+ shoppers

Afterpay is loved by more than 14 million people from all over the world.

63k+
stores

Brands big and small work with us to offer one simple solution to their shoppers.

4.9
stars

We have over 36,000 five-star reviews on Trustpilot that qualify us as "Excellent".

4.9+
satisfaction

Our average App Store rating is 4.9 out of 5.

People love to #AfterpayIt

Mrsunderstood112
@mrsunderstood112
Love Afterpay, great way to buy and pay every 2 weeks is 100% better than a credit card. 💕
Jaim
@JaimieCabral
I don't want to pay any other way, I'm such in love with Afterpay. 😍
Karla Delgado
@Karlamaritza2702
I ❤️️ Afterpay! You make my shopping 🛍 world go round!! 😁😁😁
Tory Somers
@torysoms
Loving this. Afterpay has been a life saver and no more need for credit cards and debt! 😛😛