Afterpay is committed to responsible spending.

We empower our customers with features designed to provide freedom and flexibility

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Check your spend limit

Customers can access their estimated spend limit in the Afterpay app or on the Afterpay website.

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Reschedule your payment

Customers can reschedule three payment dates per year, shifting them up to five days with each update.

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Choose how much you pay

Customers can pay off some or all of an outstanding balance ahead of a scheduled payment.

We set out to build Afterpay as a tool to help people make the most of their money and manage their spending responsibly. Our mission is—and always will be—to empower our customers. 

Empowerment for us means that customers are always in control of their finances. Everything we do is to help ensure our customers keep that control.

We also understand that your circumstances can change and that you may need our support. That’s why we’ve had a financial hardship policy from the beginning. And especially right now, with the COVID-19 pandemic, we want you to know that we are here to help you with flexible options. If you need our support, please visit our hardship page. 

To keep us focused on this mission, we have 4 guiding principles:


Take it slow

Afterpay customers should only ever spend what they can afford to pay back. To make sure of this, we take time to get to know our customers before enabling them to spend more, including by requiring that you make your first payment upfront. Afterpay sets sensible initial spending limits that increase gradually over time. We assess every order request using our proprietary real-time Repayment Capability Check to determine spending capacity and a customer’s ability to repay on time.


Keep Afterpay free

When customers use Afterpay there is never any interest or extra charges as long as they pay on time. What you see is what you truly get. Afterpay makes money by charging merchants, not customers—upholding this guarantee to customers is paramount to us.


Late payments are bad business

It’s good for Afterpay when people pay on-time or early, not when they pay us late. We will only charge a late fee if customers miss a payment. But first, we will do everything we can to help customers avoid this, including sending reminders leading up to the payment due date and an alert after a payment has failed.


Happy customers make even more happy customers

Afterpay has grown so quickly because we have so many happy customers. The more people love using Afterpay, the more often they come back. And the more they tell others about Afterpay, which gives more retailers the confidence to offer Afterpay. Everybody wins when customers have a great experience. A big part of that is being committed to responsible spending and keeping our product simple, honest and transparent.

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For more detail about how Afterpay works, please visit our FAQs.

If you require more information regarding financial hardship please visit our Hardship page

For more information about Afterpay's target market, please visit our Target Market Determination page.

For further information and assistance with budgeting, spending responsibly or managing debt, Afterpay suggests the following resources:

For more detail about how Afterpay works, please visit our Help Center.

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