Pay in 4
Buy Now Pay Later
Interest-free payment option that divides purchases into 4 equal biweekly payments over 6 weeks
- From
- 0%
- Purchase
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Purchase 0% interest rate when payments are made on time. | 0% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Late Payment Fee (Day 1) Late payment fee applied when a payment is 1 day overdue. | Late payment | $10.00 |
| Late Payment Fee (Day 7) Additional late payment fee applied when a payment is 7 days overdue. | Late payment | $7.00 |
| Afterpay Plus Card Subscription Fee Charged monthly · Optional monthly subscription fee for the Afterpay Plus Card, which enables Afterpay purchases anywhere Apple Pay or Google Pay is accepted.
| Ongoing | $9.99 |
Features
- Digital wallet — Apple Pay
- Digital wallet — Google Pay
- Extra repayments
- Repayments may be made ahead of the scheduled due dates without additional charges.
- Instalment plan
- Purchases are split into 4 equal fortnightly payments over 6 weeks.
- Interest-free period
- No interest charged when payments are made on time.
- Notifications — SMS/Email/Push
- Payment reminders sent via SMS, email and push notification.
Eligibility
- Minimum age — 18 yearsMust be 18 years or older.
- Residency status — Australian residentMust be an Australian resident.
- Individuals onlyAvailable to individual consumers only, not other legal entities.
- A valid debit or credit card is required. — Valid payment method
- Identity verification is required. — Identity verification
- Subject to credit approval and credit check. — Credit assessment
- Good repayment history preferred. — Good standing
Constraints
- Minimum limit — $1.00Minimum purchase amount of $1 AUD.
- Maximum limit — $1,999.00Maximum purchase amount of $1,999 AUD.
More Information
Published by Afterpay under the Consumer Data Right · Last updated 20 March 2026 · Product ID AP-PAYIN4-AU