Your credit score can be impacted when a company does a credit check on you.
In Australia, it is fast and free to join Afterpay without a credit check. We start new customers off at a low spend limit and increase it gradually over time with on-time payments. Depending on a variety of factors, including payment history and how long you've been with Afterpay, customers may be eligible to apply for a limit increase. In this circumstance, we may conduct a credit check to make sure an increased limit is right for you.
We don’t believe that missing a payment with Afterpay should result in a bad credit history. Our main aim is always to help you spend responsibly, and we take a number of steps to help ensure this, including pausing your account when you miss a payment.