Earthmoving Downunder
About Afterpay
Pay Monthly — 6, 12 or 24 months
Eligible customers can use Pay Monthly for larger online purchases from $500 to $20,000, with payment options over 6, 12 or 24 months. The amount and payment options available depend on Afterpay’s approval and your available spend limit.
- Interest: The standard interest rate is 19.99% p.a. Afterpay shows your monthly payments and total cost, including interest, before you confirm your order.
- Apply in the Afterpay app: Pay Monthly requires a separate application and credit assessment before checkout. Customers need a Pay in 4 account in good standing and a valid debit card. Approval is not guaranteed.
- At checkout: Select Afterpay. Pay Monthly will be offered within Afterpay if it is available for your transaction.
- Fees: There are no setup fees or monthly account fees. Late fees can apply if a payment is missed.
View Pay Monthly details and eligibility at Afterpay · Interest and late-fee information · Terms and conditions
Pay Monthly: Late fees and T&Cs apply. Eligibility criteria including Pay in 4 in good standing and valid debit card required. Pay Monthly is a continuing credit contract. Some items may need to be paid for at time of checkout. Afterpay Australia Pty Ltd, Australian Credit Licence 527911.
Pay in 4 with Afterpay.
Checkout with Afterpay. Split your order into 4 interest-free payments over 6 weeks with Pay in 4.
What is Afterpay?
Afterpay allows you to pay over time in various ways. Pay in 4 lets you pay for your items in 4 payments over 6 weeks, interest free.
How does Pay in 4 work?
When you use Pay in 4, you pay for your items in 4 payments over 6 weeks, without incurring any interest. To use Pay in 4, add items to your shopping cart then select Afterpay from the available payment options. You pay the first payment at the time of purchase, and the remaining three payments will be automatically deducted from your preferred payment method over approximately six weeks.
How do I set up a Pay in 4 account?
- Add your items to your shopping cart.
- Select Afterpay as your payment method at the checkout.
- You’ll be redirected to Afterpay to login or create your account.
- Your payment schedule will be displayed.
- Track your payments, check available spend limits, and make early payments in the Afterpay app.
To set up a Pay in 4 account you’ll need to:
- Live in Australia or New Zealand
- Be over 18 years of age
- Have an Australian/New Zealand debit card or credit card linked as your preferred payment method
- Have a valid and verifiable email address and mobile number
- Be capable of entering into a legally binding contract
- Credit checks apply
For full terms and conditions visit www.afterpay.com/terms.
Are there any fees for using Pay in 4?
Afterpay caps Pay in 4 late fees to help keep costs manageable for customers who miss a payment. Pay in 4 late fees will never exceed 25% of the order total or $68 per order, whichever is lower.
How this works for Pay in 4:
- For orders under $40: A one-time late fee of up to 25% of the order total applies
- For orders of $40 or more: A $10 Pay in 4 late fee is charged when a payment is missed. If the outstanding amount remains unpaid after seven days, an additional $7 Pay in 4 late fee applies. This is the same for all late payments until the 25% cap or $68 amount is reached. To remain within the cap, we may charge partial amounts of the $10 and $7 fees.
You can check the Pay in 4 Schedule for other late fee caps that may apply.
What happens if I require a refund?
Items purchased with Pay in 4 can be returned for an exchange or refund, subject to Earthmoving Downunder’s Returns Policy. Returns or refunds will be processed and Afterpay will be advised. Your payment schedule will then be adjusted to reflect the new total order value. If you have already made a payment, this will be refunded to you via Afterpay.
Where can I find out more about Afterpay?
To find out more, visit the Afterpay website.
Pay in 4: Late fees, eligibility criteria and T&Cs apply. Afterpay Australia Pty Ltd Australian Credit Licence 527911.
