Afterpay offers a distinct alternative to traditional credit.. It’s designed to help you get what you need now, while staying in control of your spending — without falling into revolving debt cycles.
When you use Afterpay, your purchase is split into four interest-free instalments paid over six weeks. Unlike most traditional credit cards, there are no interest charges and no hidden fees.
If you do miss a payment, we may charge a late fee, but it’s capped and never more than 25% of the order value or $68, whichever is lower. Late fees don’t accumulate, and we pause your account until you're back on track — so you're not tempted to keep spending. Credit cards, on the other hand, often charge ongoing interest on unpaid balances and encourage minimum repayments, which can lead to long-term debt.
Our approach works. The vast majority of purchases are paid on time, and most of our global community have never incurred a late fee.
For more details, visit our Get the Facts page.
Monthly fees apply to Afterpay Plus subscribers. You can upgrade to Afterpay Plus for $9.99 a month to use Afterpay almost anywhere, for more information about Afterpay Plus see the Specific Terms here.