Available to spend gives you an estimate of how much you can spend with Afterpay. You'll see this amount when you log into your account via the App or online. Keep in mind that your available to spend can change based on a few factors.
What affects my available to spend?
Your available to spend is based on:
- Payment History: Making payments on time is the best way to maintain or increase your available to spend. Late payments may lower it.
- Time with Afterpay: New customers start with a lower amount. This can grow over time as you build trust by using Afterpay responsibly.
- Declined Transactions: If your orders or payments are declined, it can affect your available spending balance. To prevent this, ensure you have sufficient funds in your account to cover the first payment of your order.
How does it work?
Check your available to spend anytime in the 'My Afterpay' section of your account. While this amount shows what you could potentially spend, each purchase is assessed individually based on various factors. Some stores may also set their own Afterpay spending limits.
How can I increase my available to spend?
It's simple - focus on:
- Making all your payments on time
- Having enough funds in your account when you shop or make payments
What about Pay Monthly orders?
Your available to spend only applies to Pay in 4 purchases. For Pay Monthly orders, the amount you can spend using this product is determined by various factors, including a credit check. Please note that missing Pay Monthly payments could affect your available to spend.