01
Apply once.
Apply in the Afterpay app and choose your spend limit ($1,000-$20,000). We’ll run a credit check to set and approve your final limit.
Pay Monthly
on your terms.
More time to pay for life's bigger moments
at over 150,000 brands.
Pay Monthly,
made simple.
02
Choose your plan.
At checkout, choose a 6, 12 or 24 month plan. You’ll see your monthly payments, total cost (including interest) and end date before you commit.
03
Manage it easily.
Your payments are automatically debited each month. Track your plan in the Afterpay app and pay it off early anytime.
Built for the bigger things in life.
Know exactly what you’ll pay.
See your monthly payment and total cost upfront, before you commit. No setup fees or monthly fees.
More time to pay, more places to use it.
In one application, your Pay Monthly spend limit is ready to use again and again at over 150,000 brands.
Designed to be paid off.
Choose 6, 12 or 24 months, with fixed monthly payments and a clear end date. Plus, pay it off early any time at no extra cost.
More places to Pay Monthly.
Use your Pay Monthly spend limit on eligible online orders at over 150,000 brands.
Pay Monthly at Apple with 0% p.a.
For a limited time, Pay Monthly at Apple with 0% p.a. interest for up to 24 months. No monthly fees.
Learn more
See how it works
Frequently asked questions
How is Pay Monthly different from Pay in 4?
Pay in 4 splits eligible purchases into four instalments. Pay Monthly is a separate plan in the Afterpay app: apply once, get a spend limit, then choose a 6, 12 or 24 month plan at checkout with a clear end date. Minimum order is $500.
How much does Pay Monthly cost?
Interest is 19.99% p.a. You’ll see your monthly payment and total cost (including interest) at checkout before you confirm. No setup fees. No monthly fees. No interest on interest. For a limited time, Pay Monthly at Apple is 0% p.a. for up to 24 months, with no monthly fees.
What is the Pay Monthly spend limit?
When you apply in the Afterpay app you choose a spend limit between $1,000 and $20,000. We’ll run a credit check to set and approve your final limit. That limit stays available for future purchases at over 150,000 Afterpay brands.
Where can I use Pay Monthly?
Pay Monthly is available at over 150,000 Afterpay brands. Once you have applied for a Pay Monthly balance, if Pay Monthly is available for your transaction you will see it presented in the Afterpay checkout.
Who can apply?
Eligibility criteria apply, including Pay in 4 in good standing and a valid debit card. Credit checks may apply. Pay Monthly is a continuing credit contract.
Can I use a credit card to pay?
A valid debit card is required. Late fees, eligibility criteria and T&Cs apply.
What happens if I miss a payment?
Late fees apply if you miss a payment. Track your plan in the Afterpay app so you can see upcoming payments and the end date from the start.
Can I pay off my order early?
Yes. Pay off early at any time for no extra fee, and to save on interest charges. Payments are otherwise automatically debited each month.
More answers in the Help Centre.
Made for life’s
bigger moments.
Apply for Pay Monthly in the Afterpay app and have more time to pay for life’s bigger purchases.
Apply in the appLate fees and T&Cs apply. Eligibility criteria including Pay in 4 in good standing and valid debit card required. Pay Monthly is a continuing credit contract. Some items may need to be paid for at time of checkout. Afterpay Australia Pty Ltd, Australian Credit Licence 527911.
