Afterpay
Pay in 4
Afterpay · buy now pay later
Provider last updated this product 2026-03-20.
Go to provider
You'll complete your application on
Afterpay's website. Confirm the rate and fees with them
before applying.
Interest-free payment option that divides purchases into 4 equal biweekly payments over 6 weeks
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| PURCHASE | 0.00% | - | OTHER | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
| 0% interest rate when payments are made on time. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Late Payment Fee (Day 1) | LATE_PAYMENT | $10 | Late payment fee applied when a payment is 1 day overdue. |
| Late Payment Fee (Day 7) | LATE_PAYMENT | $7 | Additional late payment fee applied when a payment is 7 days overdue. |
| Afterpay Plus Card Subscription Fee | PERIODIC | $9.99 | Optional monthly subscription fee for the Afterpay Plus Card, which enables Afterpay purchases anywhere Apple Pay or Google Pay is accepted. |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-09-25 | 2026-09-30 (current) | $9.99 |
Published figures as captured daily since 2026-09-25. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Instalment plan
- Instalments - 4 fortnightly instalments
- Purchase size - $200 to $2,000
- Instalment limit - $1,999
Who can apply
- min age - 18Must be 18 years or older.
- residency status - Australian residentMust be an Australian resident.
- natural personAvailable to individual consumers only, not other legal entities.
- other - Valid payment methodA valid debit or credit card is required.
- other - Identity verificationIdentity verification is required.
- other - Credit assessmentSubject to credit approval and credit check.
- other - Good standingGood repayment history preferred.
Limits
- min limit - 1.00Minimum purchase amount of $1 AUD.
- max limit - 1999.00Maximum purchase amount of $1,999 AUD.
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-03-20T00:00:00Z · Product ID: AP-PAYIN4-AU