Pay for your purchases over four simple instalments
Pay for your purchase over four equal instalments, due every two weeks. Afterpay makes it simple to pay when it suits you best.
Pay nothing extra when you pay on time
If you make repayments on time, you’ll only ever pay the price of the item you’ve purchased. The only fees Afterpay charges are late fees for missed payments.
No new card applications, instant approval online
Forget about long, complicated application forms. Afterpay’s proprietary platform makes it quick and easy to get approved instantly and keep shopping.
I want to shop - how do I sign up?
The good news is – you don’t need to register before your first Afterpay purchase!
When you make a purchase with any one of our partner retailers and service providers, simply choose Afterpay as your chosen payment method at the checkout. If you’re a first-time user then provide your payment details as usual to complete your purchase. Once this first order is approved, your Afterpay account is created. Yay!
All you need to do now is visit www.afterpay.com and set up your password. The next time you purchase with Afterpay, just log in securely when you checkout.
Or you can download the Afterpay App to make the whole process even easier!
Please remember that to sign up with Afterpay you need to:
- Be living in Australia
- Be at least 18 years old
- Have a valid and verifiable email address and phone number
- Use an Australian bank payment card
- Be capable of entering into a legally binding contract
- Have a verifiable and valid ID
When will my first payment be taken?
If you’re a responsible spender that’s been with us for a while now, and you’re buying online, your first payment will generally be 2 weeks from the day you bought your item.
To ensure responsible spending across our community, Afterpay may require your first 25% instalment at the time of purchase. We will make this decision case by case, based on your individual repayment history. We will immediately let you know if we require this first instalment, before you make your Afterpay purchase.
And, in some cases, we always require the first 25% instalment at the time of purchase, including:
- The first time you use Afterpay
- For all orders placed in the first 6 weeks after signing up with Afterpay
- For purchases with a value of more than $500
- When shopping in-store
- For all Jetstar bookings
How does Afterpay work?
At Afterpay the world’s leading brands, retailers and service providers pay us to help you plan, book, buy and pay for your products and services online and in-store.
When you sign up with Afterpay, you book, buy or collect the item or service you want today and then pay for it in four equal instalments due every two weeks. This way, you get what you want without ever losing control of your money or providing personal bank details to anyone else.
In return for this service, retailers and service providers pay Afterpay so we can keep helping you plan, book, buy, and pay.
This means Afterpay makes its money from retailers and service providers – not from customers like you. That’s why we charge absolutely no interest, ever.
If you miss a payment you won’t be able to buy or book anything else with Afterpay until you settle your account. And we 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), to help you stick to your plan.
Before each transaction, Afterpay assesses your ability to make repayments in your short instalment plan. The longer you have been a responsible shopper with Afterpay, the more likely we will be to approve your purchase. This helps us grow a community of responsible spenders that work with us every day to plan, book, buy and pay.
Before making a purchase with Afterpay, it’s important that you think about the following:
- Are there sufficient funds in your account? Generally we want to see at least 25% of the purchase price.
- How long have you been using Afterpay? We are more likely to limit you to small purchases in your first 6 weeks.
- How much do you have to repay on this purchase and do you have any previous outstanding purchases? The smaller the amount to repay, the more likely your purchase will be approved.
We are committed to ensuring our community supports responsible spending. To help we have developed special proprietary technology to assess individual purchase applications. So while you may not know exactly how much you can spend with Afterpay at any one time, this system is vital to help you stay in control of your money and avoid missed payments wherever possible.
Who can use Afterpay?
At Afterpay we are very particular about who we let into our community – because we want to make sure you spend responsibly and can stick to your short instalment plan.
This means we use our own specially developed technology to assess your ability to pay for the items you want. And we also have some hard rules around who is eligible to join.
- You must live in Australia
- You must be at least 18 years old
- You must have a valid and verifiable email address and mobile phone number
- You must use a valid Australia bank payment card to make a purchase
- You must be capable of entering into a legally binding contract
Afterpay uses a mandatory ID verification process to ensure your eligibility. Please note that passing this verification test alone does not guarantee that your purchase with Afterpay will be approved.
How much does Afterpay cost to use?
Afterpay is free! For you, that is.
Retailers and service providers pay us to help you plan, book, buy and pay for items you can take home today, without ever losing control of your money. That’s why we don’t charge any interest, ever. And that’s why we do everything we can for you to avoid late fees. If you miss a payment, you can’t buy anything else with us until your account is settled.
At Afterpay we are building a community of responsible spenders who work with us to plan, book, buy and pay – without losing control of their money.
That’s why Afterpay is the right way to plan, book, buy and pay.