Afterpay InformationUpdated 2 hours ago
Afterpay is a buy now, pay later platform that lets you pay for your items in 4 instalments over 6 weeks, interest-free. To make shopping easier, By Charlotte offers the Afterpay payment option, so you can shop now, wear now and pay later interest-free.
Is this accepted in all your stores?
Afterpay is accepted both in-store and online, and once you're approved, you can split your payments into four instalments every time you shop. Managing your account is simple through the Afterpay app. You can track upcoming payments, view your available spending limit, and make early repayments—all in one place.
What are the costs involved?
When you use Afterpay, you pay for your items in 4 instalments over 6 weeks, without incurring any interest. To use Afterpay, add items to your shopping cart, then select Afterpay from the available payment options. You pay for the first instalment of 25% at the time of purchase, and the remaining three instalments will be automatically deducted from your nominated debit or credit card over the following six weeks.
Afterpay caps late fees to help keep costs manageable for customers who miss a payment. Late fees will never exceed 25% of the order total or $68 per order, whichever is lower. How this works:
- 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 late fee is charged when a payment is missed. If the outstanding amount remains unpaid after seven days, an additional $7 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 your General Terms for other late fees caps that may apply.
- Afterpay is committed to doing everything they can to help you not miss a payment, including sending you payment reminders and offering options to reschedule upcoming payment dates.
- Afterpay is designed to be completely different to traditional credit products that charge interest, so that customers are never in a situation of high compounding interest and revolving debt.
Can I return my Afterpay order?
Items purchased with Afterpay can be returned for a store credit or refund, subject to our Returns Policy. Once received, returns will be processed, and Afterpay will be advised. Your payment plan 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.
If you opt for a store credit as your return resolution, please note that your Afterpay account will not update or be refunded, as the money is still technically owed. You will receive a complete credit for the full return amount owed, and you will need to continue paying off your instalments. Failure to make payments may incur additional fees through the platform.
How do I create an account?
Shopping with Afterpay is simple and seamless. If you've never used it before, just follow these easy steps:
- Select your favourite pieces and proceed to checkout.
- At checkout, select Afterpay to split your payment into four instalments.
- You’ll be redirected to Afterpay to log in or quickly set up your account.
- Afterpay will show your payment plan before finalising your order.
- Use the Afterpay app to track payments, check your available spend limit, and make early repayments anytime.
To create an Afterpay account, you’ll need to:
- Live in Australia or New Zealand
- Be at least 18 years old
- Have a valid Australian or New Zealand debit or credit card
- Provide a verifiable email address and mobile number
- Be capable of entering into a legally binding contract
Please note that credit checks may apply, and spending limits are dynamic, starting low for new customers and increasing gradually over time based on responsible spending. For full terms and conditions, visit: www.afterpay.com/terms.