Three distinct payment products for every purchase size — from a $50 pair of shoes to $5,000 in furniture.
Pay in 4 is Afterpay's flagship product. It splits any eligible purchase into four equal payments spread over six weeks. The first 25% is due at checkout, with the remaining three installments auto-debited from your linked card every two weeks. Pay in 4 is always interest-free when you pay on time, uses only a soft credit check, and is available at over 100,000 US partner retailers online, in the app, and in physical stores via the Afterpay Card.
Spending limits are dynamic and vary by user. New customers typically start around $600 and can increase over time with consistent on-time payments. Late fees apply for orders $40 and over: $10 after the grace period, plus $7 if still unpaid after another 7 days, capped at 25% of the order value.
Pay Monthly is an installment loan for larger purchases ranging from $200 to $5,000 (up to $20,000 at select merchants). Repayment terms include 3, 6, 12, or 24 months depending on the merchant and order amount. Unlike Pay in 4, Pay Monthly charges simple interest with APR from 0% to 35.99% based on your creditworthiness and requires a hard credit check.
Key advantages: no late fees, no origination fees, and the total finance charge is disclosed upfront before you commit. Pay Monthly is currently available for online purchases at participating retailers and is not available in Hawaii, Nevada, New Mexico, or West Virginia.
The Afterpay Card is a virtual Visa card issued by Sutton Bank (Member FDIC) that lives inside the Afterpay App. It extends Pay in 4 to physical retail by working with Apple Pay and Google Pay. Tap to pay at any store that accepts Visa contactless, and the transaction is automatically split into four interest-free installments.
The card uses your existing Pay in 4 spending limit — no separate application is needed. Approval is instant within the app. Popular in-store partners include Sephora, Nordstrom Rack, Urban Outfitters, DSW, PetSmart, and thousands more.
Block, Inc. owns both Cash App and Afterpay. The two platforms have merged their pay-over-time features under a unified "Cash App Afterpay" brand. Cash App's Visa Debit Flex Card allows eligible cardholders to split any Visa-accepted purchase into installments directly from the Cash App — no separate Afterpay account required.