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Create an account today and start paying in 4. Always interest-free. Sign upFeature is LIVE with Afterpay!Shopping at Feature has never been easier and more budget-friendly. Afterpay is an interest-free payment option that allows you to shop now, enjoy now and pay it off in four biweekly installments with Feature How to shop online with Feature using Afterpay
How to use Afterpay in store at Feature
Are there any fees?We trust you to make your payments and will support you by sending regular reminder notifications. You will only be charged a 'late fee' if you miss your payments. To learn more please see our terms and conditions. You asked, we answered: Afterpay is now available “IRL” to customers nationwide. Today, Afterpay is excited to announce that our in-store payment solution is available to all U.S. Afterpay customers at some of the leading retail stores. Just in time for the holiday season, shoppers can use the Afterpay they know and love with their favorite brands in-store--including Forever 21, Levi’s, Skechers, Solstice Sunglasses, Finish Line, and select DSW stores--and take their purchases home same-day. Afterpay in-store allows customers to pay for their purchases with an Afterpay card, a virtual, contactless card stored in their digital wallet. At the register, customers simply tap the card icon in their Afterpay app, which activates the digital wallet card and completes the purchase through Apple Pay or Google Pay. Like Afterpay online, customers pay for their purchase in four installments, without having to take out a traditional loan, pay interest, or worry about any upfront fees. “Afterpay customers can now choose either physical or online shopping to buy holiday gifts--which brings new customers and drives more sales conversion to retailers without any additional set-up or integration costs, “ said Nick Molnar, Afterpay’s Co-founder and CEO of North America. This is great news for retailers, as our research finds that customers who shop both online and in stores spend 15-20% more per transaction than those who only shop online. Plus, they shop 66% more frequently. Retailers can realize a significant boost in order size: Afterpay merchants typically see a 3x increase in average order values compared to other payment forms, and a 2x increase in units per transaction, according to our data. Afterpay’s in-store offering was first introduced in Australia and New Zealand (ANZ) in 2016, making us one of the only online payment companies to successfully offer our service in physical stores. We’re excited to do the same for American merchants and shoppers ahead of a busy holiday season. To learn how to seamlessly integrate Afterpay in-store at your brick-and-mortar locations, reach out to our sales team. More information about Afterpay’s in-store solution can be found here. How Afterpay works.Pay over 6 weeks.Get what you need now. Make your first payment today and the rest over 6 weeks. We’ll send you reminders, so you never miss a payment. Never pay interest.We never charge interest. No fees when you pay on time.Afterpay is free when you pay on time. Pay nothing to sign up, no establishment fees, no monthly account fees. Smart spend limits.Our spending limits start around $600 and only increase gradually with on-time payments.
Better money mindset.Afterpay is a way for you to take control of how you spend, and have transparency across every aspect of your spending. Simply put, to empower your financial wellbeing. Discover the tools we’ve created to help you live your best financial life. Learn more about financial wellness Get started with Afterpay
Frequently asked questions.
Is it hard to open and usean Afterpay account?No
Setting up an Afterpay account is a simple process, and anyone over 18 can do it. To make it quick and easy for you, we verify your identity electronically (rather than you having to do time-consuming paperwork). Then, when you want to make a purchase with any of our partner retailers, just choose Afterpay as your chosen payment method at the checkout. We carry out this process on every order you make with Afterpay, not just the first one. You should know that we don’t approve 100% of orders as we’re committed to ensuring responsible spending for Afterpay customers.
Is Afterpay really interest-free?Yes
We never charge interest, and we promise there isn’t a catch. Afterpay is a free service, as long as you pay on time. If you do miss a payment, you will incur a late fee, and you won’t be able to buy or book anything else with Afterpay until you settle your account. We will charge you a capped late fee that starts at $10 but never goes higher than 25% of the purchase price or $68 (whichever is less). On a $40 purchase, for example, that means no more than $10 in late fees. But no interest, ever.
Are the late fees worse for me than interest payments?No Unlike interest, our late fees are capped and don’t compound. We also pause your account until the balance is paid and you're back on track. Afterpay is a free service for customers who pay on
time. However, as we pay the retailer upfront on your behalf when you use Afterpay to shop, if you do miss a payment then we will charge you a late fee. Importantly, and unlike interest, our late fees are capped: for absolute transparency (because that’s what we believe in), for each order below $40, a maximum of one $10 late fee may be applied per order. For each order of $40 or above, the total of the late fees that may be applied are capped at 25% of the original order value or $68, whichever
is less. We also pause your account until the balance is paid and you're back on track. We do everything we can to help you not miss a payment, and we certainly don't want you getting into further financial stress. We’ve designed Afterpay to be completely different to traditional credit products that charge interest, so that our customers are never in a situation of high compounding interest and extended debt.
Is using Afterpay bad for my credit score?No Afterpay does not affect your credit score or credit rating. Your credit score can be impacted when somebody does a credit check on you or if you are reported as paying debts late; at Afterpay, we
never do credit checks or report late payments. We don’t believe in preventing people from accessing Afterpay because they may have had an old debt from a long time ago. And we don’t believe that missing a payment with Afterpay should result in a bad credit history - especially when the average purchase is only around $150 (which may surprise you). Our main aim is always to help you spend responsibly, and we take a lot of steps to help ensure this, including pausing your account when you miss a
payment.
Is Afterpay just another form of debt?No One of the main reasons we built Afterpay was to help customers get what they need without existing in an ongoing state of debt. When you use Afterpay, you pay for your items in full over a short period of time - 6 to 8 weeks - without incurring any interest. We’re completely different to traditional credit products, which can push customers into long-term debt at high interest rates. If you do miss a payment, we charge late fees, but never any interest, and our late fees are low and capped so they can’t ever go higher than 25% of your order value. We also stop you purchasing once you’ve missed a payment. We know our approach works because 79% of
our global community have never incurred a late fee and 95% of purchases are paid for on time.
Do spend limits encourage spending more than I can afford?No
We set out to build Afterpay as a tool to help people make the most of their money and manage their spending responsibly. Our spend limits start at around $600 and only increase gradually. The longer you have been a responsible shopper with Afterpay - making all payments on time - the more likely the amount you can spend will increase. If you want to cap your spend limits simply contact us via AfterpayIf you miss a payment, you won’t be able to buy anything else with us until your payments are up to date, and your spending limits might decrease too. If you’re having trouble making payments, we can work together to make a plan to get you back on track. Simply visit Buy now pay later with AfterpayFrequently asked questions.
Is it hard to open and use an Afterpay account?No Setting up an Afterpay account is a simple process, and anyone over 18 can do it. To make it quick and easy for you, we verify your identity electronically (rather than you having to do
time-consuming paperwork). Then, when you want to make a purchase with any of our partner retailers, just choose Afterpay as your chosen payment method at the checkout. We carry out this process on every order you make with Afterpay, not just the first one. You should know that we don’t approve 100% of orders as we’re committed to ensuring responsible spending for Afterpay customers.
Is Afterpay really interest-free?Yes We never charge interest, and we promise there isn’t a catch. Afterpay is a free service, as long as you pay on time. If you do miss a payment, you
will incur a late fee, and you won’t be able to buy or book anything else with Afterpay until you settle your account. We will charge you a capped late fee that starts at $10 but never goes higher than 25% of the purchase price or $68 (whichever is less). On a $40 purchase, for example, that means no more than $10 in late fees. But no interest, ever.
Are the late fees worse for me than interest payments?No Unlike interest, our late fees are capped and don’t compound. We also pause your account until the balance is paid and you're back on track. Afterpay is a free service for customers who pay on time. However, as we pay the retailer upfront on your behalf when you use Afterpay to shop, if you do miss a payment then we will charge you a late fee. Importantly, and unlike interest, our late fees are capped: for absolute transparency (because that’s what we believe in), for each order
below $40, a maximum of one $10 late fee may be applied per order. For each order of $40 or above, the total of the late fees that may be applied are capped at 25% of the original order value or $68, whichever is less. We also pause your account until the balance is paid and you're back on track. We do everything we can to help you not miss a payment, and we certainly don't want you getting into further financial stress. We’ve designed Afterpay to be completely different to traditional credit
products that charge interest, so that our customers are never in a situation of high compounding interest and extended debt.
Is using Afterpay bad for my credit score?No Afterpay does not affect your credit score or credit rating. Your credit score can be impacted when somebody does a credit check on you or if you are reported as paying debts late; at Afterpay, we
never do credit checks or report late payments. We don’t believe in preventing people from accessing Afterpay because they may have had an old debt from a long time ago. And we don’t believe that missing a payment with Afterpay should result in a bad credit history - especially when the average purchase is only around $150 (which may surprise you). Our main aim is always to help you spend responsibly, and we take a lot of steps to help ensure this, including pausing your account when you miss a
payment.
Is Afterpay just another form of debt?No One of the main reasons we built Afterpay was to help customers get what they need without existing in an ongoing state of debt. When you use Afterpay, you pay for your items in full over a short period of time - 6 to 8 weeks - without incurring any interest. We’re completely different to traditional credit products, which can push customers into long-term debt at high interest rates. If you do miss a payment, we charge late fees, but never any interest, and our late fees are low and capped so they can’t ever go higher than 25% of your order value. We also stop you purchasing once you’ve missed a payment. We know our approach works because 79% of our global community have never incurred a late fee and 95% of purchases are paid for on time.
Do spend limits encourage spending more than I can afford?No We set out to build Afterpay as a tool to help people make the most of their money and manage their spending responsibly. Our spend limits start at around $600 and only increase gradually. The longer you have been a responsible shopper with Afterpay - making all payments on time - the more likely the amount you can spend will increase. If you want to cap your spend limits simply contact us via AfterpayIf you miss a payment, you won’t be able to buy anything else with us until your payments are up to date, and your spending limits might decrease too. If you’re having trouble making payments, we can work together to make a plan to get you back on track. Simply visit Buy now pay later with Afterpay14m+ shoppersAfterpay is loved by more than 14 million people from all over the world. 63k+ |