Get more out of Afterpay.
Make Afterpay work for you. Find out how to level-up your Afterpay experience.
Download the appGo to the app
Enhance
your Afterpay
experience.
Be the boss of your payments with our latest features. Watch our video to find out more, plus hear about credit checks and reporting being introduced from 23 July 2024 as part of our industry obligations.
Start with the basics.
Pay it in 4, in-store.
Enjoy all the perks of Afterpay in person. Add the Afterpay Card to your digital wallet via the app, shop in-store then pay over 6 weeks.
Set up now
Catch a deal with the app.
Use the Afterpay app to find the best deals and exclusive offers from top brands. Turn on your notifications so you don’t miss a thing.
Save it. Label it. Plan it.
Tap the heart to save, list and organise all your favourite products. Plan a budget before you check out by tapping $ and get a breakdown of the payments due.
Don’t sweat the returns.
Start your return directly with the store, then once the store notifies us, we’ll refund you, starting with your final payment and working backwards. Log your return in the app to pause any future payments.
Find out more
Manage your money with confidence.
Keep tabs on your orders & payments.
Check your spend limit and orders in the My Afterpay tab. Stay on top of payments by turning on notifications so we can send you reminders.
Make multiple payments with one tap.
You can choose to pay early, pay multiple orders at once, or pay the entire remaining balance.
Fit payments to your schedule.
Schedule your payments to a day of the week that suits you. Pick your day in Payment settings in the app. Applies to future orders only.
Stick to your spend goals.
From October 2024, set a spend cap with a few simple taps in the My Afterpay tab. It's another way to manage your spending, while maintaining your approved limit for a rainy day.
Wiggle room when you need it.
Reschedule your next payment by a week if you need; you can do this up to three times a year. It’s important to note that some payments can’t be changed though.
Find out more
Need help to keep up?
We’re here to help. If you’re experiencing financial hardship, you should contact us as soon as possible to discuss your options.
Find out more
More perks.
Been with us for a while and have a good track record of consistent on-time payments?
Then these benefits are for you.
Been with us for a while and have a good track record of consistent on-time payments? Then these benefits are for you.
Get more time to pay.
Delay your first payment by up to two weeks with our ‘No payment upfront’ feature. That’s right, pay $0 upfront on eligible purchases under $500, excluding gift cards. Access is dependent on a range of factors - we’ll notify you if you’re eligible.
The gift of choice. The luxury of time.
Eligible customers can pay it in 4 across a wide range of Gift Cards delivered straight to their inbox.#
Find out more
Increase your spend limit.
We do this gradually, once we get to know you, and we factor in your on-time payments history with Afterpay.
In New Zealand, we’ll perform credit checks when considering whether a higher spend limit is right for you. These checks will not be visible to other credit providers and will not impact your credit score.
Want to share your Afterpay love?
Afterpay BNPL late fees, eligibility criteria and T&Cs apply. See afterpay.com for full terms.
#Retailer terms, Merchant & Product exclusions apply. See prezzee.co.nz/policies/terms-of-service/
^Minimum purchase of $50 and Refer a Friend terms apply.
Still have questions?
Do I have to download the Afterpay app to use Afterpay in-store?
Is there a minimum spend for in-store Afterpay purchases? Is there a maximum spend?
While Afterpay doesn’t specify a minimum purchase amount, stores may. Please ask a store assistant if you are unsure.
To view your maximum pre-approved spend limit, visit the In-Store tab in your Afterpay app prior to your purchase. Please note, pre-approval is not a guarantee of approval at the time of purchase.
For more questions about Afterpay Card click here.
What are the benefits of choosing a payment day?
Picking a day of the week means you can fit payments to when they suit you, and it also makes tracking payments easier. Enjoy the greater convenience of paying on a preferred day and reducing your payment reminders in the process. You can manage your payment reminders in the Afterpay app.
If I change my mind, can I cancel my preferred payment day?
You can't turn ‘Preferred payment day’ off, but you can change your preferred day at any time.
Is there a limit on changing my preferred payment day?
No, you have the flexibility to manage your scheduled payments to come out on any day of the week that suits you, anytime.
Note: Changing the preferred day applies to future orders only; any payment days for existing orders will remain the same.
Can I reschedule a payment on an existing order?
Yes, you can reschedule your next payment by a week. You can do this up to three times a year. Simply select the payment that you wish to change, tap More in the top right of your screen, and then select “Change next payment date”.
Some payments cannot be changed. If the option is not available, you will see a message on screen that says "Uh oh! This payment date can’t be changed"
Reasons why:
- You can only move one payment per order. If you need more help, please send us a message via the app.
- You will not be able to reschedule the first or last payments via this self-service feature, if you require help with this, please send us a message via the app.
- If a payment is already overdue or due within the next 24 hours, we cannot move the payment (neither our team or by using the self-service feature).
- Brand new customers (less than 42 days since your first purchase) will not be able to use this feature.
- If you are already under a hardship repayment arrangement with us, you will not have access to this feature.
I’ve already used up my 3 self-service reschedules for the year, but need to move more, what can I do?
If for some reason you can no longer make a payment, please get in touch via the app to see if we can help.
What is ‘No payment upfront’ and how does it work?
Received a notification at the checkout that there’s $0 due on the purchase date? Congratulations, this means that you have access to our ‘No payment upfront’ feature.
Access is determined by a range of factors including how long you’ve been with Afterpay, and your on-time payment history. It’s available on eligible purchases under $500 excluding Gift Cards.
Your first payment will be delayed by up to 2 weeks from the purchase date. However, we still recommend having at least 25% of the purchase price available on your nominated card in case we run a pre-authorisation.
Please note: If you have access to the ‘No payment upfront’ and have a preferred payment day set, your first instalment will be due a minimum of 8 days and a maximum of 14 days from the purchase date, to align with your preferred payment day.
I no longer have access to the ‘No payment upfront’ feature - why?
If you previously had access to the ‘No payment upfront’ feature and have missed some payments on your account, this will result in the feature being deactivated. We may also deactivate the feature in accordance with the Afterpay Terms of Service.
The good news? We review access regularly. Stay on top of your payments and we might have good news for
you soon. Be sure to have you app updated and your notifications enabled.
What is a credit check?
Credit checks are when lenders review credit reports.
A hard credit check (or credit enquiry) is when a lender reviews your credit report as part of an application for credit. These enquiries may be visible to other lenders and may impact your credit score. We only do this for new customers when assessing your application.
A soft credit check (or soft credit enquiry) is when a lender (or you) reviews your credit report for informational purposes. We perform these to assess whether a spend limit increase is right for you. These types of enquiries are not visible to other lenders and do not impact your credit score.
Why does Afterpay perform credit checks?
Afterpay performs credit checks to comply with New Zealand's laws and regulations. It’s one of the factors we take into consideration when assessing your application to join Afterpay. Credit checks help us ensure that your spend limits are suitable for your circumstances. It's part of our commitment to being a responsible lending partner and to help maintain a transparent and fair credit system.
We perform credit checks at sign-up for new customers. This enquiry may be visible to other credit providers and may impact your credit score.
We also perform credit checks when considering you for a higher spend limit. These checks will not be visible to other credit providers and will not impact your credit score.
We’ll collect your consent before we conduct any checks. You will only need to consent to these checks once, and we handle the rest with utmost confidentiality and care.
If you require further help, please get in touch via the app.
What is a credit report?
A credit report is a detailed record of your credit history, including loans, credit accounts, and how you've managed them. Lenders may use this report to gauge how reliable you are when it comes to managing credit. Credit bureaus build your report from data shared by lenders and financial institutions. It's a collective snapshot of your credit activities.
For detailed information, head to the Centrix website.
In New Zealand, we report credit activities to bureaus to help maintain an accurate record of your credit history.
Your credit report is about you, but it's owned by the credit bureau. You have the right to access it and correct any mistakes. Understanding your credit report can help you make better financial decisions. It's also important to ensure the information is correct, so you're fairly represented to lenders.
You have the right to access your credit report free of charge every 3 months. To request your report, please contact Centrix directly. It's crucial to ensure that your credit information is accurate.
If you find discrepancies or have any disputes regarding your credit report, please reach out to Centrix using the contact details below:
- Website: centrix.co.nz
- Email: [email protected]
- Phone: 0800 836 274
- Mail: PO Box 62512, Greenlane, Auckland 1546
We're here to help. If you have any concerns or wish to submit a complaint about Afterpay's process, please get in touch via help in the app.
What information is being reported to credit bureaus?
Under NZ regulations Afterpay is required to report credit information to credit bureaus. This includes the good (when you’re up-to-date with your payments) and the not-so-good (when you are late on your payments).
It's important to understand that late payments may have a negative impact on your credit score. However, Afterpay also reports positive payment information, so consistently making payments on time could be a way to contribute to a positive credit history.
If you cannot make a payment on time, you can reschedule your next payment by a week, up to 3 times a year, in the Afterpay app. If you’re facing financial difficulties, we encourage you to reach out to Afterpay's customer service team via the app as soon as possible. We have policies in place to support customers experiencing financial hardship, and we may be able to assist you with rescheduling payments or other measures to help you get back on track.
What is a credit score?
A credit score is a numerical expression that tells lenders how good you are at borrowing money and paying it back. It's a number that goes up and down based on how well you handle your money - like if you pay your bills on time or if you owe a lot of money to different places.
If you have a high credit score, banks and lenders are more likely to think you're good at managing your money, which can make it easier for you to borrow money for things like a car or a house, and sometimes at a better interest rate.
If I have a bad credit score, will I be allowed to use Afterpay?
Afterpay considers a variety of factors when assessing whether an Afterpay account is right for you, including information contained in your credit report.
Having a bad credit report or having none at all won’t preclude you from opening an account with us, just like having a great credit report won’t guarantee an account either.
If your application is affected by the information in your credit report, we'll notify you. This decision is based on the credit information provided by Centrix, a trusted credit reporting body.
The credit report is about you, but it's owned by the credit bureau. You have the right to access it and correct any mistakes, and you can usually do this free of charge anytime.
Understanding your credit report can help you make better financial decisions. It's also important to ensure the information is correct, so you're fairly represented to lenders.
To request your report, please contact Centrix directly. It's crucial to ensure that your credit information is accurate. If you find discrepancies or have any disputes regarding your credit report, please reach out to Centrix using the contact details below:.
- Website: centrix.co.nz
- Email: [email protected]
- Phone: 0800 836 274
- Mail: PO Box 62512, Greenlane, Auckland 1546
For more information check the govt.nz website.
What if I don’t consent to performing credit checks and credit reporting? Will I still be able to use Afterpay?
We require your consent to check your credit file and to provide information to credit bureaus. We do these in order to fulfil our regulatory obligations in New Zealand.
It is important to understand that consent is a mandatory part of the sign-up process with Afterpay. Without providing this consent, new customers will unfortunately not be able to complete the registration process or make purchases using Afterpay.
If you’re an existing customer, you will need to give consent to continue using Afterpay in the same way you have been. We will prompt you to do so when you next check out online, or in the app.
Can I buy Gift cards from Afterpay?
Eligible customers can purchase e-Gift Cards from a variety of leading retailers. To see if you are eligible, go to the Afterpay app and see if you have ‘Gift Cards’ available.
Don’t see Gift Cards? Or don’t see the options you were looking for?
The purchase of Gift Cards is restricted for some customers. We make a determination based on your shopping history with us. We take into consideration things like how long you have been a customer with us and how consistent you have been with making on-time payments. This may mean you are able to buy Gift Cards from a certain store one week and then the next week you see a range of different options available and some stores may be missing.
Good to know: The better your history with us, the more options you will have to purchase Gift Cards.
Why is my purchase of Gift Cards declining?
As with all Afterpay purchases, we make a decision to approve or decline the purchase immediately. This decision is completely managed by Afterpay, not Prezzee.
There are a few different reasons as to why your purchase could be declining; it could be that you have more than one Gift Card outstanding with us, or if you’re a new customer, there are maximum amounts you can purchase with us. It is also important to note that we do not approve 100% of purchase attempts; many factors are at play including fraud prevention.
It may help to wait a while, or pay off the balance of any outstanding orders before attempting to try again.
How can I increase my spend limit?
The short answer is that we cannot manually increase your available spend limit, as your limit is automatically determined based on a range of different factors.
Here are a few of the key factors that we take into consideration when determining your limit:
- On-time payment history.
- How long you’ve been with Afterpay.
- Any declined orders or payments.
- The information contained in your credit report.
Do I have to download the Afterpay app to use Afterpay in-store?
Is there a minimum spend for in-store Afterpay purchases? Is there a maximum spend?
While Afterpay doesn’t specify a minimum purchase amount, stores may. Please ask a store assistant if you are unsure.
To view your maximum pre-approved spend limit, visit the In-Store tab in your Afterpay app prior to your purchase. Please note, pre-approval is not a guarantee of approval at the time of purchase.
For more questions about Afterpay Card click here.
What are the benefits of choosing a payment day?
Picking a day of the week means you can fit payments to when they suit you, and it also makes tracking payments easier. Enjoy the greater convenience of paying on a preferred day and reducing your payment reminders in the process. You can manage your payment reminders in the Afterpay app.
If I change my mind, can I cancel my preferred payment day?
You can't turn ‘Preferred payment day’ off, but you can change your preferred day at any time.
Is there a limit on changing my preferred payment day?
No, you have the flexibility to manage your scheduled payments to come out on any day of the week that suits you, anytime.
Note: Changing the preferred day applies to future orders only; any payment days for existing orders will remain the same.
Can I reschedule a payment on an existing order?
Yes, you can reschedule your next payment by a week. You can do this up to three times a year. Simply select the payment that you wish to change, tap More in the top right of your screen, and then select “Change next payment date”.
Some payments cannot be changed. If the option is not available, you will see a message on screen that says "Uh oh! This payment date can’t be changed"
Reasons why:
- You can only move one payment per order. If you need more help, please send us a message via the app.
- You will not be able to reschedule the first or last payments via this self-service feature, if you require help with this, please send us a message via the app.
- If a payment is already overdue or due within the next 24 hours, we cannot move the payment (neither our team or by using the self-service feature).
- Brand new customers (less than 42 days since your first purchase) will not be able to use this feature.
- If you are already under a hardship repayment arrangement with us, you will not have access to this feature.
I’ve already used up my 3 self-service reschedules for the year, but need to move more, what can I do?
If for some reason you can no longer make a payment, please get in touch via the app to see if we can help.
What is ‘No payment upfront’ and how does it work?
Received a notification at the checkout that there’s $0 due on the purchase date? Congratulations, this means that you have access to our ‘No payment upfront’ feature.
Access is determined by a range of factors including how long you’ve been with Afterpay, and your on-time payment history. It’s available on eligible purchases under $500 excluding Gift Cards.
Your first payment will be delayed by up to 2 weeks from the purchase date. However, we still recommend having at least 25% of the purchase price available on your nominated card in case we run a pre-authorisation.
Please note: If you have access to the ‘No payment upfront’ and have a preferred payment day set, your first instalment will be due a minimum of 8 days and a maximum of 14 days from the purchase date, to align with your preferred payment day.
I no longer have access to the ‘No payment upfront’ feature - why?
If you previously had access to the ‘No payment upfront’ feature and have missed some payments on your account, this will result in the feature being deactivated. We may also deactivate the feature in accordance with the Afterpay Terms of Service.
The good news? We review access regularly. Stay on top of your payments and we might have good news for
you soon. Be sure to have you app updated and your notifications enabled.
What is a credit check?
Credit checks are when lenders review a customer’s credit report to gauge how reliable they are when it comes to managing credit.
At Afterpay, we conduct credit checks to evaluate new customers' applications and to determine if a spend limit increase is appropriate. These checks help us make informed decisions while ensuring responsible lending practices.
The credit check we perform when you join may be visible to other lenders and may impact your credit score.
In contrast, the credit checks we perform during spend limit increase assessments are not visible to other lenders and do not impact your credit score.
Why does Afterpay perform credit checks?
Afterpay performs credit checks to comply with New Zealand's laws and regulations. It’s one of the factors we take into consideration when assessing your application to join Afterpay. Credit checks help us ensure that your spending limits are suitable for your circumstances. It's part of our commitment to being a responsible lending partner and to help maintain a transparent and fair credit system.
We perform credit checks at sign-up for new customers. This enquiry may be visible to other credit providers and may impact your credit score.
We also perform credit checks when considering you for a higher spend limit. These checks will not be visible to other credit providers and will not impact your credit score.
We’ll collect your consent before we conduct any checks. You will only need to consent to these checks once, and we handle the rest with utmost confidentiality and care.
If you require further help, please get in touch via the app.
What is a credit report?
A credit report is a detailed record of your credit history, including loans, credit accounts, and how you've managed them. Lenders may use this report to gauge how reliable you are when it comes to managing credit. Credit bureaus build your report from data shared by lenders and financial institutions. It's a collective snapshot of your credit activities.
For detailed information, head to the Centrix website.
In New Zealand, we report credit activities to bureaus to help maintain an accurate record of your credit history.
Your credit report is about you, but it's owned by the credit bureau. You have the right to access it and correct any mistakes. Understanding your credit report can help you make better financial decisions. It's also important to ensure the information is correct, so you're fairly represented to lenders.
You have the right to access your credit report free anytime. To request your report, please contact Centrix directly. It's crucial to ensure that your credit information is accurate.
If you find discrepancies or have any disputes regarding your credit report, please reach out to Centrix using the contact details below:
- Website: centrix.co.nz
- Email: [email protected]
- Phone: 0800 836 274
- Mail: PO Box 62512, Greenlane, Auckland 1546
We're here to help. If you have any concerns or wish to submit a complaint about Afterpay's process, please get in touch via help in the app.
What information is being reported to credit bureaus?
Under NZ regulations Afterpay is required to report credit information to credit bureaus. This includes the good (when you’re up-to-date with your payments) and the not-so-good (when you are late on your payments).
It's important to understand that late payments may have a negative impact on your credit score. However, Afterpay also reports positive payment information, so consistently making payments on time could be a way to contribute to a positive credit history.
If you cannot make a payment on time, you can reschedule your next payment by a week, up to 3 times a year, in the Afterpay app. If you’re facing financial difficulties, we encourage you to reach out to Afterpay's customer service team via the app as soon as possible. We have policies in place to support customers experiencing financial hardship, and we may be able to assist you with rescheduling payments or other measures to help you get back on track.
What is a credit score?
A credit score is a numerical expression that tells lenders how good you are at borrowing money and paying it back. It's a number that goes up and down based on how well you handle your money - like if you pay your bills on time or if you owe a lot of money to different places.
If you have a high credit score, banks and lenders are more likely to think you're good at managing your money, which can make it easier for you to borrow money for things like a car or a house, and sometimes at a better interest rate.
If I have a bad credit score, will I be allowed to use Afterpay?
Afterpay considers a variety of factors when assessing whether an Afterpay account is right for you, including information contained in your credit report.
Having a bad credit report or having none at all won’t preclude you from opening an account with us, just like having a great credit report won’t guarantee an account either.
If your application is affected by the information in your credit report, we'll notify you. This decision is based on the credit information provided by Centrix, a trusted credit reporting body.
The credit report is about you, but it's owned by the credit bureau. You have the right to access it and correct any mistakes, and you can usually do this free of charge every 90 days.
Understanding your credit report can help you make better financial decisions. It's also important to ensure the information is correct, so you're fairly represented to lenders.
To request your report, please contact Centrix directly. It's crucial to ensure that your credit information is accurate. If you find discrepancies or have any disputes regarding your credit report, please reach out to Centrix using the contact details below:.
- Website: centrix.co.nz
- Email: [email protected]
- Phone: 0800 836 274
- Mail: PO Box 62512, Greenlane, Auckland 1546
For more information check the govt.nz website.
What if I don’t consent to performing credit checks and credit reporting? Will I still be able to use Afterpay?
We require your consent to check your credit file and to provide information to credit bureaus. We do these in order to fulfil our regulatory obligations in New Zealand.
It is important to understand that consent is a mandatory part of the sign-up process with Afterpay. Without providing this consent, new customers will unfortunately not be able to complete the registration process or make purchases using Afterpay.
If you’re an existing customer, you will need to give consent to continue using Afterpay in the same way you have been. We will prompt you to do so when you next check out online, or in the app.
Can I buy Gift cards from Afterpay?
Eligible customers can purchase e-Gift Cards from a variety of leading retailers. To see if you are eligible, go to the Afterpay app and see if you have ‘Gift Cards’ available.
Don’t see Gift Cards? Or don’t see the options you were looking for?
The purchase of Gift Cards is restricted for some customers. We make a determination based on your shopping history with us. We take into consideration things like how long you have been a customer with us and how consistent you have been with making on-time payments. This may mean you are able to buy Gift Cards from a certain store one week and then the next week you see a range of different options available and some stores may be missing.
Good to know: The better your history with us, the more options you will have to purchase Gift Cards.
Why is my purchase of Gift Cards declining?
As with all Afterpay purchases, we make a decision to approve or decline the purchase immediately. This decision is completely managed by Afterpay, not Prezzee.
There are a few different reasons as to why your purchase could be declining; it could be that you have more than one Gift Card outstanding with us, or if you’re a new customer, there are maximum amounts you can purchase with us. It is also important to note that we do not approve 100% of purchase attempts; many factors are at play including fraud prevention.
It may help to wait a while, or pay off the balance of any outstanding orders before attempting to try again.
How can I increase my spending limit?
The short answer is that we cannot manually increase your available spending limit, as your limit is automatically determined based on a range of different factors.
Here are a few of the key factors that we take into consideration when determining your limit:
- On-time payment history.
- How long you’ve been with Afterpay.
- Any declined orders or payments.
- The information contained in your credit report.
Want to know more?
Check out our How Afterpay Works page, or head to our Help centre.
