We will send you an SMS and email letting you know an automatic payment has failed.
A late fee is 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 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.
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, give us a call ASAP and we'll try and sort something out.