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.
Late fees for shoppers in the USA are capped at 25% of the order value.
Afterpay Monthly Payment is a simple interest installment-based lending option that gives you more flexible ways to pay for high-value orders. Depending on your eligibility, Pay monthly offers flexibility with a 6 and 12 month interest-based payment option on items over $400. Interest accrues on the unpaid principal balance on a daily basis. Please note, until an offer is accepted rates and offers are subject to change