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Buy Now, Pay Later Services
7 listings
Afterpay
Free to use - Zero Interest and No Establishment Fees
Seamless integration within stores with a large number of merchants offering AfterPay
Automatic payment plan of 4 equal instalments each fortnight
Credit check not required; doesn't affect your credit score
$10 Late Fee for missing an automatic payment
$7 Fee on top of $10 Late Fee if you fail to repay the missed instalment within 7 days of the due date
May affect your ability to secure a loan as lenders consider Afterpay a line of credit
Zip Pay
Interest-free repayments and no establishment fees for ZipPay (maximum $1,000 account limit)
3 month interest-free period for ZipMoney (minimum $1,000 account limit)
Flexible payment plans - set up weekly, fortnightly or monthly repayments to suit your schedule
$6 Monthly Account Fee if you have a balance
$5 ZipPay / $15 ZipMoney Late Fee if you've made no repayments within 21 days of the due date
1.5% payment processing fee if you use Zip to pay bills
Minimum $40 monthly repayment required
Conducts credit checks during applicatiopn; will affect your credit score if you default on payments
Openpay
Openpay Plans are interest-free
Flexible payment plans - set up payments to suit your schedule
Establishment Fee, Plan Management Fee and Redraw Fee may apply to some plans
Default Fee of up to $9.50
Referral Fee of $19.50 iif you have failed to pay a missed instalment 8 days after you due date
May conduct credit checks during application; may affect your credit score if you default on payments
Humm
No fees and Zero Interest if you choose 5 fortnightly instalments to pay for 'Little Things' up to $2,000
Zero Interest & 6 - 60 months time period to repay 'Big Things' up to $30,000
$8 Monthly Fee if you choose 10 fortnightly instalments to pay for 'Little Things'
$8 Monthly Fee & $35-90 Establishment Fee for 'Big Things'
$6 Late Payment Fee
Make It Mine
Choose from 3 different payment plan options (Rental, No Interest or Layby)
$14.40 Missed Payment Fee
Further Fees from $3.50 - $15 apply if a second direct debit attempt is unsuccesful
Other fees, such as an Establishment Fee or Delivery Fee may apply
LatitudePay
Automatic 10-week instalments, interest free
Fast and easy sign up process
$10 Late Fee
Conducts credit checks during application; may affect your credit score if you default on payments
Laybuy
Automatic 6-week instalments, interest free
No sign up fees or establishment fees
$10 Default Fee
Further $10 Default Fee if you fail to pay the missed instalment within 7 days of the due date
Conducts credit checks during application; may affect your credit score if you default on payments