We will send you an SMS and email letting you know an automatic payment has failed. While your account is overdue, you will not be able to place new orders.
To make an overdue payment you can log in to your App or online and click PAY NOW next to your "overdue payment" in your "payment schedule" - just follow the prompts.
If you're worried you won't be able to make a payment, contact us and we'll try and sort something out.
Monthly Payments Orders
To see what you qualify for, the Monthly Payments product may use information obtained from your consumer report with no impact to your credit profile. Afterpay uses both traditional and non-traditional factors that may include repayment history and habits from our Pay-in-4 product. The Monthly Payments method has no late fees We do have an interest cap, meaning any additional interest that is accrued earlier due to higher principal as a result of a late payment will eventually be offset by the interest cap. This means that you will never owe more than the amount indicated in the loan agreement at checkout.
A late fee may be charged when an installment for an order is not paid after the applicable grace period (usually 10 days unless otherwise noted on your payment schedule). We will only ever charge up to one late fee per installment and the total amount of late fees charged on an order will never exceed 25% of your initial order value (unless indicated otherwise on your payment confirmation email or during the check out process)