SPOT. BUY NOW, PAY LATER
AT THE GOOD GUYS

Spot. Buy Now, Pay Later is a service that allows you to repay purchases in 4 payments. You also have the option to repay purchases in 8 instalments for a $10 fee. Generally, your first repayment will be the business day after your purchase, or shortly thereafter. No interest is charged for using Spot. Buy Now, Pay Later.

To use Spot. Buy Now, Pay Later you must:

• Be 18 years or older, an Australian resident and meet Spot. Buy Now, Pay Later’s eligibility criteria.
• Have a valid mobile number and email address.
• Have an eligible bank account.

Most bank accounts are compatible with a Spot. Buy Now, Pay Later account. To link your bank account, you’ll need to be the sole owner of the account and it needs to be NPP enabled (New Payments Platform) which many Australian banks are now using. If you want to confirm whether your account will work with Spot. Buy Now, Pay Later, check this website: https://nppa.com.au/find-an-institution/

Full eligibility requirements are outlined on the Spot. Buy Now, Pay Later website.

It's simple, add your Spot. Buy Now, Pay Later card to your digital wallet. Your digital card will be accepted anywhere Mastercard is accepted.
Simply open your digital wallet, select your card and tap your phone to the merchant’s card machine. Depending on your device security it may ask for a security code or biometric check.
You may be asked for a PIN (generally if the purchase is over $200), this is the number you setup when activating your card and can be reset in the app.

Yes, all purchases made using Spot. Buy Now, Pay Later are interest free. There are no late fees, but if you do miss a payment your account will be locked from making further purchases until repayments are back on schedule. Purchases converted to pay-in-8 will be charged a $10 upfront fee.