Afterpay

We’re proud to be creating financial freedom for all

Here’s how

Founded in 2014 in Sydney, Australia, Afterpay has millions of global customers and hundreds of thousands of merchant partners now using the platform across Australia, the US, Canada, the UK, New Zealand, and the EU (where it is called Clearpay). Afterpay’s global team is currently made up of more than 1300 people and growing.Afterpay’s business model is completely free for customers who pay on time – helping people spend responsibly without incurring interest, fees or extended debt. Afterpay empowers customers to access the things they want and need, while still allowing them to maintain financial wellness and control, by splitting payments in four, for both online and in-store purchases.
Afterpay is deeply committed to delivering positive outcomes for customers. The majority of Afterpay’s income is derived from merchants, rather than customers. If a customer misses a payment, they won’t be able to use Afterpay until the payments are up-to-date. Late payment fees are charged but are fixed, capped and do not accumulate over time. Customers are never entrapped in revolving debt and never incur interest. We are focused on supporting our community of shoppers. We trust in the next generation and share a vision of a more accessible and sustainable world in which people are rewarded for doing the right thing. Afterpay’s mission is to power an economy in which everyone wins.

Founded to empower customers.Afterpay empowers customers to access the things they want and need, while still allowing them to maintain financial wellness and control, by splitting payments in four, for both online and in-store purchases. Afterpay is deeply committed to delivering positive outcomes for customers.

Get what you need now. Make your first payment today and the rest over 6 weeks. We’ll send you reminders, so you never miss a payment.

We never charge interest.
Full stop.

Afterpay is free when you pay on time. Pay nothing to sign up, no establishment fees, no monthly account fees.

Our spending limits start at around $600 and only increase gradually with responsible spending behaviour.

Afterpay it in 4. Always interest-free.

Step 1. Split your purchase into 4 instalmentsBrowse all your favourite places to shop online or in retail stores near you. Afterpay works online or in-store wherever you are used to shopping.
Step 2. No fees when you pay on time Choose Afterpay as your checkout payment method when it’s time. Always zero interest, never additional fees when you pay on time.
Step 3. Enjoy instant approval decision Instantly create your account and finish the purchase with ease. You’ll know if you’re approved instantly and your order will ship as usual.