Afterpay is a free service when you pay on time - there are no upfront fees charged or any interest incurred.
The only fees that may be incurred are late fees if your scheduled payments are unsuccessfully processed and, after being notified, you do not log in to your Afterpay account to make your payment via a different method.
We do everything we can for you to avoid late fees, including sending reminders leading up to the payment due date. We will charge a capped late fee of 25% for total orders below $40 & for each order of $40 or above, an initial $10 partial late fee will apply, and a further partial late fee (of up to $7) will also apply if the payment remains unpaid seven days after the due date. This approach will continue for all late instalments until the 25% cap is reached or the maximum late fee limit of $68.