Introducing
Pay Monthly.
0% p.a. at Apple.
More time to pay for the Apple products you love, with clear monthly payments and no hidden fees.
Late 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.
Apply.
Buy.
Pay.
Meet Pay Monthly. A new way to shop the Apple products you love with Afterpay.
Spread the cost over 6, 12 or 24 months, with 0% p.a. interest at Apple for a limited time.
Apply for Pay Monthly
Choose a Pay Monthly spend limit to apply for
$7,000
Choose the maximum amount you want to spend with Pay Monthly. If approved, your final spend limit can be used for multiple
Pay Monthly orders.
01
Apply once.
Select Afterpay in the Apple checkout and follow the steps to apply for Pay Monthly. Choose a spend limit that works for you ($1000 - $20,000). We then run a credit check to set your final approved Pay Monthly spend limit.
iPhone
$2,199.00
0% p.a. interest
$91.63 monthly · 24 month plan
Payment 1 of 24
$91.63
$91.63 every month
24 of 24 payments
$91.63
02
See your plan.
See your fixed monthly payments and total cost before you confirm. No mental maths, no surprises, no account fees and a clear end date. It's the Afterpay way.
Available to spend
$4,801
Pay Monthly
$1,115
Pay in 4
Orders
Favourites
Promos
Support
03
Manage it easily.
View your Pay Monthly spend limit and manage your orders in the Afterpay app the way you're already used to. Payments will be debited automatically, or pay an order early any time.
Screens, products and amounts are indicative only and subject to change.
Price illustrated is based on iPhone 17 Pro Max 256GB
More time for
the things
you love
Afterpay was built on the idea of offering a fairer alternative to traditional credit. Pay Monthly is no different.
Apply once, see exactly what you'll pay when, and manage your orders easily within the Afterpay app.
9:41
Apple
iPhone
$2,199.00 · 24 month plan
Thu, 2 July
Paid
$0.00
Left to pay
$2,199.00
Progress
2 Jul
Order activated
Thu, 2 Aug
1 of 24 · Upcoming
$91.63
Show 22 upcoming payments
2 Jul 2028
24 of 24 · Final payment
$91.63
— Transparent
Know exactly what you'll pay.
Total maximum cost and monthly payment shown in checkout, before you confirm. No setup fees. No ongoing account fees. Nothing hidden.
— Simple
Manage orders seamlessly.
In one application, your Pay Monthly spend limit is ready to use again and again. Choose a limit that's right for you, and manage everything in the same Afterpay app you already know.
— Flexible
Designed to be paid off.
A fixed monthly payment. No interest on interest. Pay off early any time with no fee. It's a clear plan with a clear end date.
Frequently asked questions
How is Pay Monthly different from Pay in 4?
Pay in 4 splits a purchase into 4 interest-free payments over 6 weeks. Pay Monthly splits a larger purchase into fixed monthly payments over 6, 12, or 24 months. Pay Monthly is a separate product, with its own application and its own spend limit, designed for bigger purchases. Right now, only Pay Monthly is available at Apple.
What does 0% p.a. interest at Apple mean?
For a limited time, there is 0% p.a. interest on Pay Monthly orders at Apple. You pay the purchase price, split evenly across your chosen term. No interest, no setup fees, no ongoing fees. Late fees apply for missed payments.
What is the Pay Monthly spend limit?
Pay Monthly spend limits range from $1,000 to $20,000, subject to your preference and individual assessment and approval. Your spend limit is established when you apply and stays available for future purchases without needing to reapply. Your Pay Monthly limit is separate and in addition to your Pay in 4 limit. You can view both limits and manage both Pay Monthly and Pay in 4 orders in the app.
Who can apply?
You'll need to be an existing Afterpay Pay in 4 customer to apply for Pay Monthly, with a valid debit card linked as your preferred payment method. If you're not yet an Afterpay Pay in 4 customer, you'll be prompted to apply in the Apple checkout. We run a credit check as part of both applications. Eligibility is subject to approval.
Can I use a credit card to make my Pay Monthly payments?
No. Pay Monthly requires a debit card to be linked as your preferred payment method. Credit cards cannot be linked to a Pay Monthly account. If you're an existing Afterpay Pay in 4 customer with a credit card linked as your preferred payment method, you'll be prompted to update it when you apply.
What happens if I miss a payment?
A $17 late fee applies when a payment is missed. If still unpaid 7 days later, an additional $12 fee applies. Pay Monthly late fees are capped at the lower of 15% of the order amount or $250. Late fees do not accrue interest.
Can I make an early payment?
Yes. You can pay off your Pay Monthly order at any time, either partially or fully. There are no fees to do this. Paying off early means you pay less total interest, when an interest rate applies.
Where else can I use Pay Monthly?
Apple is Afterpay's exclusive launch partner for Pay Monthly. Afterpay continuously reviews where our products are offered based on customer needs and feedback. Check the app for future updates.
Check out more Afterpay Pay Monthly FAQs in the Help Centre.
