Afterpay is designed to help customers get what they need without existing in a revolving cycle of debt. When you use Afterpay, you get what you want now, and pay for it in 4 installments over a short period of 6 to 8 weeks.
Afterpay is free when you pay on time. Unlike most credit cards, there are no hidden or annual fees, and we don’t charge interest.*
If you miss a payment we do charge late fees. These fees never exceed 25% of the purchase price or $68; whichever is less. We do everything we can for you to avoid late fees, including sending reminders leading up to the payment due date and an alert after a payment has failed. We also pause your purchasing once you’ve missed a payment.
Our approach works because the majority of our global community have never incurred a late fee and the vast majority of purchases are paid for on time!
*In Australia, Monthly fees apply to Afterpay Plus subscribers. You can upgrade to Afterpay Plus for $9.99 a month to use Afterpay almost anywhere. Eligibility criteria, fees and T&Cs apply. Please see afterpay.com for full terms.