How it works
Pay in 4 instalments over 6 weeks.
You'll pay your first instalment at the time of purchase, and the remainder every two weeks.
No fees when you pay on time.
With interest-free instalments, the only fees are for late payments. You can find your payment schedule in the Afterpay app and we'll send you regular reminders.
Enjoy instant approval decision.
You’ll know you’ve been approved within seconds. Orders ship as they would with any other form of payment, as quickly as you choose.
Shop online.
1. Browse your favourite stores.
2. Choose Afterpay as your payment method.
3. Instantly create your account and complete your purchase.
Shop in-store.
- 1. Download the Afterpay app.
- 2. Tap the Card tab and follow the prompts to set up the Afterpay Card & add it to your digital wallet.
- 3. Browse the Card tab to find shops near you that accept Afterpay in-store.
- 4. Head to a retailer accepting Afterpay & tap to pay with the Afterpay Card using Apple Pay, Google Pay, or Samsung Pay.
Afterpay it with the App!
Stay up to date on new retailer launches and manage existing orders with our easy-to-use app.
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Are you a retailer? Add Afterpay to your checkout.
To learn more about offering Afterpay as a
payment method on your site, complete this brief
form and our team will be in touch.
How Afterpay works.
How Afterpay works.
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 wellnessFrequently asked questions.
Is it hard to open and use
an Afterpay account?
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?
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?
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 Afterpay just another form of debt?
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.
Do spend limits encourage spending more than I can afford?
We set out to build Afterpay as a tool to help people make the most of their money and manage their spending responsibly. Our spend limits start at around $600 and only increase gradually.
The longer you have been a responsible shopper with Afterpay - making all payments on time - the more likely the amount you can spend will increase. If you want to cap your spend limits simply contact us via Afterpay
If you miss a payment, you won’t be able to buy anything else with us until your payments are up to date, and your spending limits might decrease too. If you’re having trouble making payments, we can work together to make a plan to get you back on track. Simply visit Buy now pay later with Afterpay
Frequently asked questions.
Is it hard to open and use an Afterpay account?
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?
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?
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 Afterpay just another form of debt?
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.
Do spend limits encourage spending more than I can afford?
We set out to build Afterpay as a tool to help people make the most of their money and manage their spending responsibly. Our spend limits start at around $600 and only increase gradually.
The longer you have been a responsible shopper with Afterpay - making all payments on time - the more likely the amount you can spend will increase. If you want to cap your spend limits simply contact us via Afterpay
If you miss a payment, you won’t be able to buy anything else with us until your payments are up to date, and your spending limits might decrease too. If you’re having trouble making payments, we can work together to make a plan to get you back on track. Simply visit Buy now pay later with Afterpay
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
