Pay over 6 weeks

Get what you need now. Make your first payment today and the rest over 6 weeks. We’ll send you reminders, so you never miss a payment.

Never pay interest

We never charge interest. Full stop.

No fees when you pay on time

Afterpay is free when you pay on time. Pay nothing to sign up, no establishment fees, no monthly account fees.

Smart spend limits

Our spending limits start at around $600 and only increase gradually with responsible spending behaviour.

How Does Afterpay Work?

Afterpay allows eligible shoppers to buy now and pay later with no interest, no credit checks, and no fees when they pay on time. The service is available at thousands of retailers around the world through the Afterpay app.

When you make purchases with Afterpay, your payments are split into four installments. You make an initial down payment against the purchase, then you have a six-week period to make your remaining payments.

Afterpay doesn’t specify a minimum required purchase amount. However, you may be subject to purchase requirements set by the retailer you’re buying from.

Shopping with Afterpay

To use the service online, you choose Afterpay as your payment method at checkout. You can create an Afterpay account instantly to make your first payment and complete the checkout process. After you check out, the items that you ordered will be shipped to you by the retailer.

To use Afterpay in physical stores, you need to download the Afterpay app and create an account, then tap the “Card” tab in the app. This allows you to create a digital Afterpay card that you can add to Apple Pay or Google Pay. You can then use either mobile wallet app to make your purchase.

After you make a purchase, you can log into the Afterpay app to see when your next payment is due and in what amount. You can pay Afterpay using a debit or credit card, either manually through the Afterpay app or by setting up automatic payments.