Licenses

• California Residents: Afterpay US Services, LLC is licensed by the State of California, Department of Financial Protection and Innovation: Loans to California residents made or arranged pursuant to California Finance Lenders Law (License #60DBO-99995) View License

• Georgia Residents: Afterpay US Services, LLC is licensed by the State of Georgia, Department of Banking and Finance (License #1870854) View License

• Louisiana Residents: Afterpay US Services, LLC is licensed by the State of Louisiana Office of Financial Institutions (License #1870854) View License

• Maryland Residents: Afterpay US Services, LLC is licensed by the State of Maryland Department of Labor (NMLS Unique Identifier: 1870854). To verify licensing information, please visit NMLS Consumer Access

• Missouri Residents: Afterpay US Services, LLC is licensed by the State of Missouri Division of Finance (License #367-23-8715) View License



• Nevada Residents: Afterpay US Services, LLC is licensed by the State of Nevada Department of Business and Industry Financial Institutions Division (License #IL11107 and #IL11108) View Licenses



• New Mexico Residents: Afterpay US Services, LLC is licensed by the State of New Mexico Regulation and Licensing Department, Financial Institutions Division (License #02396) View License. See below for important additional information and brochures for New Mexico residents.

• North Dakota Residents: Afterpay US Services, LLC is licensed by the North Dakota Department of Financial Institutions, Consumer Division (License #MB103542) 

• Rhode Island Residents: Afterpay US Services, LLC is licensed by the Department of Business Regulation (License #20204064SL) 

• South Carolina Residents: Afterpay US Services, LLC is licensed by the State of South Carolina (License #CGL-153567 and #CGL-153933) View Licenses

• South Dakota Residents: Afterpay US Services, LLC is licensed by the State of South Dakota (License #MYL.3434)

• Washington Residents: Afterpay US Services, LLC is licensed by the State of Washington, Department of Financial Institutions (License # CL-1870854) View License

FOR NEW MEXICO RESIDENTS ONLY

LOAN RATES AND FEES

BELOW IS GENERAL INFORMATION REGARDING ALL RATES AND FEES THAT WILL ASSIST YOU IN MAKING YOUR LOAN DECISION. IF YOU HAVE ANY QUESTIONS, OR WOULD LIKE MORE INFORMATION, PLEASE ASK. MAKE CERTAIN THE QUESTIONS THAT YOU ASK ARE ANSWERED. MAKE CERTAIN YOU UNDERSTAND THE TERMS AND COSTS OF YOUR LOAN.

ANNUAL PERCENTAGE RATE (APR)

The cost of your credit as a yearly rate. APR is a combination of the interest rate plus the fees charged on your loan. APR is higher than the interest rate because it includes both fees and interest as finance charges.

Your actual terms and the Annual Percentage Rate (APR) will be determined at the time your application is submitted and will be based upon your application and credit information. Not all applicants will qualify for the lowest rate.

The calculation of APR is mandated pursuant to Federal Law (12 CFR Part 1026 – Truth in Lending Act (“TIL-APR”)). It is intended to provide a single value for a consumer to compare the cost of credit between one lender and another. Under New Mexico law, an additional type of annual percentage rate (“NM-APR”) must be disclosed, which may include additional charges that are not included in the TIL-APR. The NM-APR for a loan in an amount of more than $500 and up to $10,000 made pursuant to the Small Loan Act of 1955 or the Bank Installment Loan Act of 1959 cannot exceed thirty-six percent. The NM-APR for a loan in an amount of $500 or less made pursuant to the Small Loan Act of 1955 or the Bank Installment Loan Act of 1959 cannot exceed thirty-six percent plus a fee that shall not exceed five percent of the total principal of the loan and shall not be imposed on any borrower more than once per twelve-month period.

FEES

There is no finance charge, interest rate, or other ANNUAL PERCENTAGE RATE (APR) for loans to New Mexico residents. The following brochures also contain important consumer information: New Mexico Consumer Information Brochure and Consumer Information - Common Terms and Definitions.

Additional Fees: New Mexico residents are subject to a late fee for late installment payments that are 5% of the missed installment amount, up to a maximum of $8, that is imposed after a 10 day grace period.

NEW MEXICO ONLY: TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE TO Afterpay Customer Service [email protected] or visit https://help.afterpay.com. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504.

To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website https://www.rld.nm.gov/financial-institutions/.