Cultured freshwater pearl necklace in sterling silver

HOW DOES IT WORK?

Using Afterpay you can pay fortnightly over 4 equal installments.

• Pay fortnightly over 4 equal installments
• Pay nothing extra when you pay on time
• No credit card applications. Instant approval online

To purchase using Afterpay you will need:

• A debit or credit card
• To be over 18 years of age
• An Australian residential address

HOW DO YOU USE AFTERPAY ONLINE?

• Add items to your shopping bag (up to the value of $400 if you are using Afterpay for the first time or $1000 if you are a returning Afterpay customer and checkout as normal. The maximum amount may vary, please check with AfterPay.)
• Select Afterpay as your payment method – you will be redirected to Afterpay
• Register or login to your Afterpay account and confirm payment.

WHAT DO YOU NEED TO APPLY FOR AFTERPAY?

1. An Australian credit card or debit card

2. To be over 18 years of age

3. An Australian residential address

IS THERE A MINIMUM / MAXIMUM ORDER VALUE FOR AFTERPAY?

Afterpay can be used for orders up to $1000.

WHEN WILL MY FIRST PAYMENT BE CHARGED?

All new Afterpay customers are required to make their first payment at the time of purchase. You will no longer be considered a ‘new’ customer once you have fully paid off your first order and 6 weeks have passed since you placed that order. For online orders under $500 placed thereafter, your first payment will only be deducted 2 weeks after your purchase and your last payment deducted 8 weeks after purchase. For all orders over $500, your first payment will always be deducted at the time of purchase.

I’VE BEEN DECLINED, WHY?

When determining which orders to approve, Afterpay’s automated system considers a number of different factors. As an example, the longer you have been a customer with Afterpay and the more orders you have successfully repaid, the more likely you will be able to spend more. Restrictions are tighter for 'new' customers (first 6 weeks) until we get to know you. Whilst it can be frustrating to not know exactly how much you can spend each time, rules and approval processes help Afterpay responsibly offer a completely free service to customers. The good news is that each time you use Afterpay, they are making a fresh decision, and over time you will be able to spend more so long as you continue to repay your instalments on time.

WHAT IF I CAN’T PAY AN INSTALMENT?

If you fail to make a payment, you will be charged a $10 late payment fee by Afterpay with a further $7 late payment fee added seven days later if the payment is still unpaid. Please see Afterpay terms here.

WHO DO I CONTACT IF I HAVE QUESTIONS ABOUT AFTERPAY?

For any queries about Afterpay, including payments, declined orders, or your Afterpay account, visit their FAQ page. If you can’t find what you’re looking for, contact Afterpay by submitting an enquiry online, or call 1300 100 729.