Pay monthly now available
Get more time to pay for big-ticket purchases.
From flights to furniture, you can now choose a monthly payment plan that works for your budget.
More choice at checkout.
With 6 and 12 month* payment options now available, you can choose the plan that works best for your budget.
More time to pay.
Get up to 12 months to pay for big-ticket purchases over $400.**
More peace of mind.
Shop confidently with no late fees, no hidden costs, and the ability to see your monthly payment amount up front.
How it works
1
Shop select stores online.
Choose Pay Monthly at checkout.
2
Pick your payment plan.
Choose to pay over 6 or 12 months on purchases over $400.
3
Pay monthly.
We’ll send reminders before a payment is due to keep you on track.
Got questions? We've got you covered
How does the APR work with Afterpay monthly payments?
The term APR (Annual Percentage Rate) is the yearly cost to borrow. Pay Monthly is a simple interest loan with no late fees or an origination fee. The interest accrues daily based on the outstanding principal balance. Please refer to the Truth In Lending Disclosure in the Loan Agreement that will outline the total financial charge.
Afterpay uses several different factors like your consumer credit report to determine eligibility. Afterpay also uses non-traditional factors, like your repayment history with our Pay in 4 product offering. Your repayment history is useful data to determine your creditworthiness.
Where can I use monthly payments?
The Pay Monthly option is available to customers in the U.S., excluding customers in West Virginia, New Mexico, Nevada and Hawaii, and offered at select Afterpay merchants online. Afterpay will continue to roll out this service to more retailers over the next few weeks.
How is my interest APR calculated?
The APR is formulated by several different factors. To determine your creditworthiness we look at information obtained from your credit profile to past payment history with us at Afterpay!
