What is Afterpay?

Afterpay is a flexible payment option available for online orders. Afterpay allows customers shop online and split payments over four equal installments, interest free.

Who can use Afterpay?

Afterpay is available as a payment option if you live in Australia, are at least 18 years old and use an Australian credit or debit card to make the purchase.

What will Afterpay cost me?

You will not pay anything extra when you choose to use Afterpay as your payment option, as there is no interest added. You will pay your instalments directly to Afterpay in accordance with the payment schedule Afterpay will send to you via email. If a payment is due but not received by Afterpay in accordance with their payment schedule, a $10 late payment fee will be charged, with a further $7 late payment fee added seven days later if the payment remains unpaid. In addition, because your Afterpay account is linked to your credit or debit card, standard card fees and charges may be applicable. You should refer to your card issuer’s terms and conditions for full details of these.

What products can be paid for using Afterpay as the payment method?

Afterpay is available for all products online; excluding Gift (and eGift) Cards. Maximum online purchase is $1,000.

Is there a minimum spend for Afterpay?

Yes, the minimum order value for Afterpay is AUD$100.

Is there a maximum spend for Afterpay?

Yes, the maximum order value for Afterpay is AUD$1,000.

How are the Afterpay instalments on each product page calculated?

Afterpay instalments are displayed on product & cart pages and they represent ¼ (25%) equal amounts of a product’s current price, excluding any delivery charges that may be applicable at checkout. Delivery costs will be included in the quoted instalment rate payable when you have selected your preferred delivery method at checkout, and have selected Afterpay as your preferred payment option. This rate will also be consistent with that quoted in the order confirmation email you’ll receive direct from Afterpay detailing your fortnightly payment schedule.

Where can I find out more about Afterpay?

The Afterpay website provides a very comprehensive list of FAQs at: www.afterpay.com.au/faqs. If you still can’t find out what you need here, contact Afterpay directly by emailing info@afterpay.com.au or calling 1300 100 279.

Do I need to register with Afterpay prior to making my first online Afterpay purchase with Early Settler?

No – you simply need to choose Afterpay as your payment method at checkout and follow the prompts.

Will I need to fill out a credit application form to use Afterpay?

No as Afterpay is not a credit service provider. Your Afterpay account will be linked to your nominated credit or debit card that has already have been approved via your chosen credit/banking provider.

How do I pay using Afterpay online?

To pay using Afterpay, follow these simple steps:

  • Browse online, find the items you would like to purchase and click the 'Add to cart’ button.
  • Once you’ve finished choosing your items, click the ‘Proceed to checkout’ button.
  • Login to your Early Settler account using your nominated email address and password, click ‘Sign In’
  • Fill out your delivery details or used the pre-saved shipping address linked to your account.
  • Select your preferred shipping method from the options available for your delivery.
  • Select Afterpay as your payment option and follow all relevant prompts to complete your order.

How long does it take for payment via Afterpay to be approved?

Assuming you meet all of the necessary criteria (Live in Australia, are at least 18 years old and use an Australian credit or debit card to make the purchase.) and you don’t already have too many outstanding Afterpay orders, the approval process is instant. Please note: approval is at Afterpay’s discretion. Afterpay manages your application to use their service and Early Settler has nothing to do with the acceptance/decline process. You may be declined if you have too many outstanding orders with Afterpay. You will need to make some payments towards some of your previous Afterpay purchases (by logging into your Afterpay account and selecting “Pay Now”) before trying to make another purchase using Afterpay. If you do not believe this to be the reason for being declined, or you make payments to Afterpay and are still declined, you will need to contact Afterpay directly by sending an email to info@afterpay.com.au or by calling 1300 100 279.

When will my order paid for using Afterpay be sent to me?

Your order, if paid for using Afterpay, will be processed and dispatched in the same way as any other order paid for in full at the time of order (eg. by credit card) and you can expect to receive your items according to current delivery options and dispatch date timeframes. Afterpay is a payment method only, so there will be no change to other processes (including dispatch date or delivery costs etc).

Can I split an order to pay some by Afterpay and the rest by some other means? (eg. credit card)

Unfortunately no, you cannot split payments options for one order. You would need to place two separate orders – one to be paid for using Afterpay, and the other to be paid for by whatever other payment option you wish to use (e.g credit card or Paypal).

Who should I contact if I have any questions about my Afterpay account?

You can first review Afterpay’s own “frequently asked questions” on their website at www.afterpay.com.au/faqs for support. If you require further assistance about your Afterpay account you can contact Afterpay directly by sending an email to info@afterpay.com.au or by calling 1300 100 729.

When will my four Afterpay instalments need to be paid?

If you are a first time Afterpay customer, or have yet to complete a full payment cycle with Afterpay, your first payment will be taken at the time of your order transaction with the remaining three payments deducted by Afterpay from your nominated credit or debit card each fortnight over the following 6 weeks. The funds for the first payment must therefore be available on your nominated card at the time of checkout. Once you have completed your first full payment cycle with Afterpay, the initial payment for any future purchases you pay for using Afterpay will be debited 14 days after the transaction, where the total transaction value is less than $500. If the purchase value is equal to or exceeds $500, the first instalment must be paid at the time of the transaction occurring.

Will I need to fill out a credit application form to use Afterpay?

No because Afterpay is not a credit service provider. Your Afterpay account will be linked to your nominated credit or debit card that has already have been approved via your chosen credit/banking provider. The payment relationship is between you and Afterpay, and at any time you can log into your Afterpay account to see your payment schedule and make a payment before the due date if you wish. Otherwise Afterpay will automatically deduct the instalments from your debit or credit card every fortnight.

How will Afterpay transactions (instalments or refunds) show on my debit or credit card statement?

The transaction will appear as AFTERPAY PTY LTD MELBOURNE AUS.

How will I know when I need to pay my further three instalments?

Upon placing an order with Early Settler using Afterpay as your payment method, you will be sent an email from Afterpay showing your payment schedule. You will also be notified prior to each payment being due.

How will I know which products can be purchased using Afterpay?

On product pages on the Early Settler website, you will see the Afterpay logo and instalment amount detailed under the purchase price. If this is not displayed, it means the product is not available for Afterpay.

Can I return items paid for using Afterpay online?

Yes - If a product is not right, you can return any item you are unhappy with back to our online store in accordance with our standard online returns policy. Refunds will be processed and communicated to the customer via Afterpay shortly after Early Settler processes the returned item/s. The returned item/s will create an adjusted Afterpay payment schedule or a complete refund of payments to date (depending if all of the original order’s items are returned). We do not accept any change of mind exchanges online.

Can i pay using Afterpay instore?

No - you can only pay using AfterPay online.

Can I return my Afterpay purchase instore?

Our retail stores can accept Afterpay returns as long as they are in line with our returns policy. Please contact our Online team so they can track your return with the store you will be returning to, and process your refund with Afterpay Please refer to the online returns policy for further details.

Can I exchange my Afterpay purchase instore?

Our retail stores accept Afterpay exchanges in line with our exchange policy. If you select a new item for a higher value, you will be required to pay the difference instore. This can be done via credit card, EFTPOS or cash. If you select a new item for a lower value, the store will contact our Online team who will process a partial refund via Afterpay. The returned item/s will create an adjusted Afterpay payment schedule or a complete refund of payments to date (depending if all of the original order’s items are returned).