What is ‘no payment upfront’?
No payment up front is an Afterpay feature which enables eligible customers to pay $0 upfront on eligible purchases under $500 (excluding gift cards, and purchases at grocery merchants). On eligible purchases, your first payment will be due 8–14 days after your purchase date, aligned to your preferred payment day.
How do I get access to ‘no payment upfront’?
When deciding who can use our ‘no payment upfront’ feature, a variety of factors are taken into consideration including:
- How long you've been using Afterpay.
- Your payment history, in particular making consistent on-time payments; and
- How often you place orders using Afterpay.
When will you take my first payment?
When you make your first payment depends on whether you have access to our ‘no payment upfront’ feature.
- If you don’t have access: Your first payment of approximately 25% of your order will be taken at checkout, and you must have the funds available on your linked debit or credit card for your order to be approved.
- If you do have access and the purchase is eligible: Your first payment of approximately 25% of your order will be taken between 8–14 days from your order date, aligned with your preferred payment day.
When is an upfront payment always required?
Even if you have access to the ‘no payment upfront’ feature, your first payment will still be taken when you checkout for:
- Gift card purchases
- Orders over $500
- Purchases from grocery merchants
I no longer have access to the ‘no payment upfront’ feature, why?
We regularly review access based on the factors above, and may make this feature available to you again in the future with consistent on time payments. To improve your chances of being eligible for the feature, we recommend continuing to use Afterpay responsibly, including making your payments on time. We’ll reach out if your access is reactivated!
How do I turn on / off ‘no payment upfront’?
Toggling the feature on or off is easy in the Afterpay app:
- Tap 'My Afterpay’ in the bottom right of your screen.
- Scroll down and tap 'Payment settings'.
- Tap the ‘No payment upfront’ heading.
- Tap the toggle button to turn this feature on or off.
Note: If you are newly eligible for ‘no payment upfront’, it’ll be turned on automatically in your app. You can turn it off any time by following the steps above.
If you cannot see the option to turn this feature off / on, this means you currently don’t have access to the no payment upfront feature.