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Download the Afterpay app to buy now and pay it in four interest-free instalments over 6 weeks.
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Why use Afterpay?
Quick account setup.
Download the app, then set up an account in less than 5 minutes with our instant approval decision.
Spend limits start at around $600.
We’re all about responsible spending; our smart spend limits increase with your on-time payments.
Widely accepted online and in-store.
Pay it in 4 for fashion, travel, health and wellness, automotive, entertainment and so much more by selecting Afterpay at checkout.
Split the payments, zero interest.
When you use Afterpay, you get it now, and you’ll pay for it in 4
interest-free instalments.
Download the app
It’s all in the app.
Here’s why you should download the app today:
How does Afterpay work?
When you use Afterpay, you pay for your items in 4 equal instalments over 6 weeks, without incurring any interest.
We pay the retailer in full and upfront on your behalf. 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 do I set up an Afterpay account?
Setting up an Afterpay account is simple. To get the best experience, download the Afterpay app to sign up. Alternatively, you can sign up on our website, or during the checkout process at participating online retailers. You must be over the age of 18 and provide some personal information, and link a valid debit or credit card.
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 payment method at the checkout.
It’s important to know that we do apply an approval process for individual purchases. 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.
Setting up an Afterpay account is simple. To get the best experience, download the Afterpay app to sign up. Alternatively, you can sign up on our website, or during the checkout process at participating online retailers. You must be over the age of 18 and provide some personal information, and link a valid debit or credit card.
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 payment method at the checkout.
It’s important to know that we do apply an approval process for individual purchases. 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.
Is using Afterpay bad for my credit score?
Your credit score can be impacted when a company does a credit check on you.
In Australia, it is fast and free to join Afterpay without a credit check. We start new customers off at a low spend limit and increase it gradually over time with on-time payments.
Depending on a variety of factors, including payment history and how long you've been with Afterpay, customers may be eligible to apply for a limit increase. In this circumstance, we may conduct a credit check to make sure an increased limit is right for you.
We don’t believe that missing a payment with Afterpay should result in a bad credit history. Our main aim is always to help you spend responsibly, and we take a number of steps to help ensure this, including pausing your account when you miss a payment.
We don’t believe that missing a payment with Afterpay should result in a bad credit history. Our main aim is always to help you spend responsibly, and we take a number of steps to help ensure this, including pausing your account when you miss a payment.
In New Zealand, we have started working with credit bureau Centrix as part of their new PayWatch initiative for the Buy Now Pay Later industry.
PayWatch is not a traditional credit check and will not impact your credit score. Paywatch is designed to protect customers from taking on additional Buy Now Pay Later debt when they may be struggling with existing debts.
As part of Paywatch, Afterpay will notify Centrix if you have a payment which is overdue by 7 days or more. Although this will leave a footprint on your credit file, it will not impact your credit score. But it means that another Buy Now Pay Later company can become aware of your overdue payments with us if you are applying for a new account with them. Once you are up-to-date with your payments, your Paywatch status will be updated. Paywatch information is updated daily.
Are there any fees for using Afterpay?
Afterpay is free when you pay on time.
Unlike most credit cards, there are no hidden or annual fees, and we don’t charge interest.
If you miss a payment we do charge late fees. These fees never exceed 25% of the purchase price or $68; whichever is less.
We do everything we can for you to avoid late fees, including sending reminders leading up to the payment due date and an alert after a payment has failed.
Monthly fees apply to Afterpay Plus subscribers. You can upgrade to Afterpay Plus for $9.99 a month to use Afterpay almost anywhere. Eligibility criteria, fees and T&Cs apply. Please see afterpay.com for full terms.
Afterpay is free when you pay on time.
Unlike most credit cards, there are no hidden or annual fees, and we don’t charge interest.
If you miss a payment we do charge late fees. These fees never exceed 25% of the purchase price or $68; whichever is less.
We do everything we can for you to avoid late fees, including sending reminders leading up to the payment due date and an alert after a payment has failed.
What happens if I miss a payment?
If you can't make a payment, you should contact us as soon as possible to discuss your options. You may be able to reschedule the payment or make a partial payment.
We will charge a late fee if you miss a payment. But first, we will do everything we can to help you avoid this, including sending reminders leading up to the payment due date and an alert after a payment has failed.
If you do miss a payment, we will pause your account and you won’t be able to buy anything else with us until your payments are up to date. You may notice your spending limit decreases too; this is because our system takes into account a range of different factors, including late payments, in deciding spending limits. Missing payments also affects your eligibility for our Pulse Rewards loyalty program. Ultimately, all steps we take are to help you spend responsibly with Afterpay.
If you can't make a payment, you should contact us as soon as possible to discuss your options. You may be able to reschedule the payment or make a partial payment.
We will charge a late fee if you miss a payment. But first, we will do everything we can to help you avoid this, including sending reminders leading up to the payment due date and an alert after a payment has failed.
If you do miss a payment, we will pause your account and you won’t be able to buy anything else with us until your payments are up to date. You may notice your spending limit decreases too; this is because our system takes into account a range of different factors, including late payments, in deciding spending limits. Missing payments also affects your eligibility for our Pulse Rewards loyalty program. Ultimately, all steps we take are to help you spend responsibly with Afterpay.
How much are the late fees?
Total late fees are capped at 25% of the order price, and will never exceed $68 per order, regardless of the order amount.
- For orders $40 and over: each time a payment is late, an initial fee of $10 will be charged. A further fee of up to $7 will be charged if the payment remains unpaid seven days after the due date. For example: A $60 order with four $15 instalments will incur an initial $10 late fee, and a further $5 if the payment remains unpaid seven days after the due date. In this case, the further fee of $7 is reduced because total late fees are capped at 25% of the order price, $15.
- For orders under $40: the maximum possible late fee is $10 and will only be charged once. For example: A $20 order with four $5 instalments will only ever incur a one-off $5 late fee.
We also pause your account until the balance is paid and you're back on track. We’re committed to doing everything we can to help you not miss a payment. 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 revolving debt.
How does Afterpay make money?
The simple answer is that Afterpay charges a fee to merchants for each transaction; this is the main way we make money. Monthly fees apply to Afterpay Plus subscribers.
Is Afterpay really interest-free?
It’s interest-free when you pay it in 4 instalments. 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.
It’s always interest-free when you pay it in 4 instalments. 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.
Will using Afterpay affect me being able to get a home loan?
Afterpay should not affect your ability to be approved for a home loan. When applying for a home loan, banks and lenders may ask you about your regular expenses. This may include spending on Afterpay, to make sure you can afford your future home loan repayments. Spending on discretionary items – which is what Afterpay is used for – should not affect how much you can borrow for your home loan, but this is always subject to the lenders credit criteria.
Afterpay should not affect your ability to be approved for a home loan. When applying for a home loan, banks and lenders may ask you about your regular expenses. This may include spending on Afterpay, to make sure you can afford your future home loan repayments. Spending on discretionary items – which is what Afterpay is used for – should not affect how much you can borrow for your home loan, but this is always subject to the lenders credit criteria.
How can I increase my spending limits?
Our spending limits start low, at around $600, and increase gradually over time with consistent on-time payments. If you’re a new Afterpay customer, the amount you can spend will be lower than if you’ve been responsibly using Afterpay for a long time. We take the time to get to know you, and before each transaction, we assess your ability to make repayments on your instalment plan. Just as there are circumstances which may lower the amount you can spend (such as missing a payment), consistent on-time repayment history can increase what you can spend with Afterpay. Typically, the longer you’ve been using your account and making repayments on time, the more likely the amount you can spend will increase.
Can I use Afterpay in physical stores, or just online?
Afterpay can be used both online and in physical stores, depending on the retailer or service. To shop in-store with participating retailers, you’ll need to set up the Afterpay Card. You can do this through the Afterpay app; just go to the In-store tab and follow the prompts to add the Afterpay Card to your digital wallet. Then when you’re shopping in-store, just tap to pay with Apple Pay, Google Pay or Samsung Pay.
Is Afterpay secure and safe to use?
Your security is our priority. Afterpay has been built with a range of security features and services to help keep your accounts secure, including monitoring transactions to identify fraudulent trends and behaviours, multi-factor authentication, and encryption to protect your information. We also protect our network of customers and merchants with a thorough screening process before they gain access to our services. You can find out more on our safety and security page.
our security is our priority. Afterpay has been built with a range of security features and services to help keep your accounts secure, including monitoring transactions to identify fraudulent trends and behaviours, multi-factor authentication, and encryption to protect your information. We also protect our network of customers and merchants with a thorough screening process before they gain access to our services. You can find out more on our safety and security page.
Afterpay BNPL late fees, eligibility criteria and T&Cs apply. See afterpay.com for full terms.
Afterpay Plus fees, eligibility criteria and T&Cs apply. See afterpay.com for full terms.
