Spend Limit is the Afterpay BNPL Credit Limit. This is the maximum amount you’ve been approved to spend with Afterpay under the Credit Contract. This amount may increase or decrease over time based on your account activity and our assessment criteria as outlined in our General Terms. 

Estimated Available to spend is the amount you can spend under your Spend Limit using Afterpay, which you can view in the app and Afterpay website. It takes into account your Spend Limit, Spend Cap settings alongside any open order amounts and unpaid late fees. This amount is estimated and is not guaranteed. 

Spend Cap is an app only feature that will allow you to cap your spending below your maximum Spend Limit, with a minimum of $100. It can be applied, updated or turned off by you at any time. 

Whether you’re a new customer or have been with us for a while, we will  regularly assess the Spend Limit that we consider is appropriate for you. A variety of factors are taken into consideration, including your on-time payment history and how long you have been using Afterpay.

What affects your Spend Limit? 

Several factors may influence your Spend Limit and eligibility for Spend Limit increases. These include:

• Account information: The details you have provided us and information contained within your credit report must be up-to-date 
• Payment history: Your payment history, in particular making consistent on-time payments and how often you place orders using Afterpay
• Tenure since first order: How long you've been using Afterpay.

You can view your Spend Limit and Estimated Available to Spend in the Afterpay app or on the website at any time. If your Spend Limit changes, we will let you know.