Afterpay

Afterpay charges a late fee of $10 per missed payment (capped at 25% of order) if you miss a scheduled repayment. To avoid late fees, make sure your payment method is up to date and has sufficient funds on your repayment dates. You can manage your payment schedule in the Afterpay app.

Afterpay performs a soft check only when you sign up or make a purchase. A soft credit check does not affect your credit score and is not visible to other lenders. It is used to verify your identity and assess your eligibility.

Yes — Afterpay is completely interest-free as long as you make your repayments on time. You only pay the purchase price, split into equal instalments. No interest is added to your repayments.

With Afterpay, your purchase is split into 4 fortnightly payments. Payments are automatically charged to your linked payment method on the scheduled dates, so you always know exactly what you owe and when.

Afterpay is available online & in-store in New Zealand. To use it in-store, open the Afterpay app, generate a barcode or virtual card at checkout, and present it to the cashier.

If you miss a Afterpay repayment, a late fee will be charged ($10 per missed payment (capped at 25% of order)). Your account may be paused, preventing new purchases until the overdue amount is paid. If the debt remains unpaid it may be referred to a collections agency, which could affect your credit score. Contact Afterpay as soon as possible if you are having trouble making payments.