Afterpay itself adds no establishment fees and charges no interest. As long as you make your payments on time there will also be no Afterpay late fees. 

Read more about Afterpay late payment fees.

Afterpay Card is a contactless digital card stored in your digital wallet on your phone. You add the Afterpay Card to your digital wallet via a one-time setup prompted in their Afterpay app.

We will take the first payment at the time of order. This is usually 25% of the total purchase price. 

Then your scheduled payments will be 25% every 2 weeks, so after 6 weeks you’ll be fully caught up! At any time, you can log in to your Afterpay account to see your payment schedule and make a payment before the due date. Otherwise, we’ll direct debit payments on the due dates, as outlined on your payment schedule.

You can log in to your Afterpay account, or check the app at any time to see when your next payment is due. 

You can change the debit or credit card that is linked to an active order in the Afterpay app or logging into the website on afterpay.com

See Afterpay help for a step-by-step guide – How do I change a card that is linked to an active order?

Afterpay may conduct a soft credit check for new customers when they first sign-up to use the platform.  This soft credit check will not impact a customer’s credit score.

Soft credit checks (also known as soft pulls or soft inquiries) are very common and will not affect credit scores, will not be visible to other lenders or creditors and may or may not be recorded in credit reports, depending on the credit bureau.  

For more information see the article Does Afterpay conduct credit checks? on afterpay.com

There are a few different reasons as to why your order could be declined.

• You are a new customer of Afterpay: If you have had your account for less than 6 weeks, we may limit you to a smaller number of purchases. Our restrictions are tighter when you first get started. This is to ensure that we are upholding our commitment to responsible spending.
• You accidentally missed a payment: Afterpay is passionate about ensuring that our customers use our service responsibly. If you have had recent late payments, this can impact your ability to shop with us.
• Check your card: Your card is super important! There are a few things that you can double check if your order is being declined. See if it has expired or has enough funds. 

You’ll receive text and email reminders before every payment is due. You’ll also receive alerts for missed payments, so it’s totally clear what’s coming out of your account and when.