Afterpay

Afterpay allows you to pay over time in various ways.

Pay in 4 lets you pay for your items in 4 payments over 6 weeks, interest free.

Pay Monthly lets approved customers spread the cost of eligible larger orders over 6, 12 or 24 months at an interest rate of 19.99% p.a. for the life of each order, calculated at the time of the order. Pay Monthly is available online only, for eligible orders of $500 or more, and requires a separate application. Every Pay Monthly order has a fixed term and a defined end date.

Online

1. Add your items to your shopping cart.

2. Select Afterpay as your payment method at the checkout (Afterpay will show during checkout for orders up to $4000).

3. You’ll be redirected to Afterpay to login or create your account.

4. Your payment schedule will be displayed.

5. That’s it! Your purchase will be split into 4 payments, with the first payment at the time of purchase.

Instore

1. Download the Afterpay App

2. Set up your Afterpay Card (you’ll need to follow the prompts to add it to your Apple Wallet or Google Wallet)

3. Check your available spend and when you’re ready to pay, activate the Afterpay Card in the Afterpay App and pay using Apple Pay or Google Pay

To set up a Pay in 4 account you’ll need to:

• Live in Australia or New Zealand

• Be over 18 years of age

• Have an Australian/New Zealand debit or credit card linked as your preferred payment method

• Have a valid and verifiable email address and mobile number

• Be capable of entering into a legally binding contract

• Credit checks apply.

For full terms and conditions visit www.afterpay.com/terms

Online

1. If approved, add your items to cart

2. Select Afterpay as your payment method at checkout

3. You’ll be redirected to log into your Afterpay account

4. If your order is eligible, you may be offered 6, 12 or 24 months to pay

5. You'll see your payment schedule and the maximum total amount you'll pay for your order, including any interest, before you confirm

6. That’s it! Your payments are automatically deducted from your linked debit card

Pay Monthly is available for eligible online orders only. It cannot be used instore and is not available via the Afterpay Card.

To apply for Pay Monthly you'll need to:

• Be an existing Afterpay customer in good standing. If you're new to Afterpay, set up a Pay in 4 account first

• Apply for a Pay Monthly spend limit in the Afterpay app

• Have an Australian debit card linked as your payment method. Credit cards cannot be used for Pay Monthly

• Pass a credit check. Not all customers who apply will be approved

• Until you have an approved Pay Monthly spend limit, you'll continue to see Pay in 4 at checkout as usual.

For full terms and conditions visit www.afterpay.com/terms

Pay in 4

When you use Pay in 4, you pay for your items in 4 payments over 6 weeks, without incurring any interest. To use Pay in 4, add items to your shopping cart then select Afterpay from the available payment options. Where you're eligible for both products, you’ll then choose between Pay in 4 and Pay Monthly payment plans available for your order.

For Pay in 4, you pay the first payment at the time of purchase, and the remaining three payments will be automatically deducted from your preferred payment method over approximately six weeks. If you choose to make additional payments before your scheduled pay dates, you may do so through your Afterpay account.

Pay Monthly

Pay Monthly is available to approved customers for eligible online orders of $500 or more.

You can apply once for a Pay Monthly spend limit in the Afterpay App. Approval is subject to a credit check.

If approved, add your items to your shopping cart and select Afterpay from the available payment options. If your order is eligible, you may be offered 6, 12 or 24 months to pay.

You’ll see your payment schedule and the maximum total amount you’ll pay for your order, including any interest, before you confirm. Interest is charged at a rate of 19.99% p.a. for the life of each order, calculated at the time of the order. Some items may need to be paid for in full at time of checkout.

Your payments are automatically deducted from your linked debit card.

You can pay off your order early at any time with no early payment fee, which could save you interest.

Pay in 4 can be used online and in stores, depending on the retailer or service. To shop in-store, you'll need to download the Afterpay App and set up the Afterpay Card. You can add it to your digital wallet via the 'In-store tab' in the App. Then when you're shopping in-store, just tap to pay with Apple Pay or Google Pay. To shop online, select Afterpay as your payment method at the checkout. You'll be redirected to Afterpay to login or create your account.

Pay Monthly is available for eligible online orders only. It cannot be used in-store and is not available via the Afterpay Card.

Pay in 4

There are no fees or interest when using Pay in 4, when you pay on time. However, if you miss a payment, late fees will apply.

Pay in 4 late fees will never exceed 25% of the order total or $68 per order, whichever is lower.

• For orders under $40: A one-time late fee of up to 25% of the order total applies.

• For orders of $40 or more: A $10 Pay in 4 late fee is charged when a payment is missed. If the outstanding amount remains unpaid after seven days, an additional $7 Pay in 4 late fee applies. This is the same for all late payments until the 25% cap or $68 amount is reached. To remain within the cap, Afterpay may charge partial amounts of the $10 and $7 fees.

You can check the Pay in 4 Schedule for other late fee caps that may apply.

Afterpay is committed to doing everything they can to help you not miss a payment, including sending you payment reminders. For Pay in 4 only, Afterpay also offer options to reschedule eligible upcoming payment dates.

Pay Monthly

Pay Monthly charges interest at a rate of 19.99% p.a. for the life of each order, calculated at the time of the order.

There are no account fees, no establishment fees and no early payment fees.

Late fees apply if you miss a payment. A $17 late fee is charged when a Pay Monthly payment is missed. If the outstanding amount remains unpaid after seven days, an additional $12 late fee applies. Pay Monthly late fees are capped at the lower of 15% of the order total or $250 per order. Late fees do not accrue interest.

You can pay off your order early at any time with no early payment fee, which could save you interest.

Contact us online or chat to one of our friendly staff in store who will assist you in accordance with our Refunds & Warranties policy. Afterpay will be notified of any return.

If you have an issue with your Afterpay purchase payment, please visit the Afterpay Customer Help Centre or get in touch via the Help section in the Afterpay App.

Pay in 4

Afterpay will be notified of your return and will process the appropriate refund. Refunds can take 3 - 7 business days to return to your account. Please do not return your purchase to Afterpay. See the Afterpay FAQs for more information.

Pay Monthly

Afterpay will be notified of your return and your payment schedule will be adjusted.

• If you return your whole order, your remaining payments are cancelled and you won't be charged any further interest.

• If you return part of your order, the refund is applied to your final payments first, which can reduce the remaining number of payments and amount of interest charged.

In both cases, if you've already paid more than your updated order total, the difference will be refunded to you via Afterpay. Interest you've already paid isn't refunded.

To find out more, visit the Afterpay website.