From download to your first purchase in under two minutes. No lengthy applications, no hard credit checks.
The Afterpay App is available on both iOS and Android. Setting up your account takes less than two minutes and requires only a US-issued debit or credit card, a valid email address, and a US mobile phone number. There is no lengthy application form and no hard credit inquiry for the Pay in 4 product.
Search for "Afterpay" in the Apple App Store or Google Play Store. The app is free to download and free to use — there are no subscription fees or account maintenance charges. Once installed, create your account by entering your name, email, phone number, and linking a US-issued Visa or Mastercard.
Afterpay partners with over 100,000 US retailers across fashion, beauty, electronics, home goods, sports, and travel. You can browse directly in the app or shop on any partner retailer's website and select Afterpay at checkout. Popular partners include Sephora, Nike, Target, Urban Outfitters, and Nordstrom Rack.
At checkout, select Afterpay as your payment method. For purchases within your spending limit, you can choose Pay in 4 — which splits the total into four equal, interest-free payments every two weeks. For larger purchases between $200 and $5,000, you may be eligible for Pay Monthly with terms of 3, 6, 12, or 24 months.
Your first payment (25% for Pay in 4) is due at checkout. The remaining installments are automatically deducted from your linked card on schedule. You can track every payment, view upcoming due dates, and manage your orders directly in the Afterpay App. Payment reminders are sent via push notification and email before each due date.
The Afterpay Card is a virtual Visa card built into the app. It lets you use Pay in 4 at any physical store that accepts Visa contactless payments. Simply add the Afterpay Card to Apple Pay or Google Pay, tap to pay at the terminal, and the purchase is automatically split into four installments — just like an online order.
Once all installments are paid, the order is marked as complete in your account history. Consistent on-time payments build your reputation with Afterpay and may gradually increase your spending limit over time. There is no credit score impact from Pay in 4 usage since Afterpay only performs a soft credit check.