Buy Now Pay Later Terms and Conditions

Zip Pay.

Full T&Cs: https://zip.co/files/au/zip-pay-terms-and-conditions.pdf

Minimum monthly repayments are required. A monthly account fee of $9.95 applies and is subject to change. Pay your closing balance in full by the due date each month and we'll waive the fee. Available to approved applicants only and subject to completion of satisfactory credit assessment. Other charges may be payable. Fees and charges subject to change. T&Cs apply. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.

 

Afterpay Terms of Service - Australia

Full T&Cs: https://www.afterpay.com/en-AU/terms-of-service

EFFECTIVE DATE: 7 NOVEMBER 2024

  • Afterpay allows you to pay for your purchase over 4 instalments, due on the dates outlined in the Payment Schedule for your purchase. In some cases, Afterpay may require you to make a payment at the time of purchase.
  • You must meet identification requirements and our eligibility criteria, including that you must be at least 18 years old and be the authorised holder of an eligible Card to apply (see clause 2.4 for eligibility criteria).
  • All Orders are subject to Afterpay’s approval – for example, if you have any overdue payments, Afterpay will not be available to you. For more information on assessment and checks, see clause 6.2.
  • You may make early payments, otherwise Afterpay will automatically process payments in accordance with the due date stated on your Payment Schedule. If a payment is not processed on or before the due date, Late Fees will apply.
  • We apply maximum Late Fee caps:
  • For each Order of $40 or below, the total Late Fee payable is one Late Fee capped at 25% of the Original Order Value.
  • For each Order above $40, the total amount of Late Fees payable is the lower of 25% of the Original Order Value or $68. Up to this maximum Late Fee cap, we will charge an initial Late Fee of $10, and a further Late Fee of $7 if the payment remains unpaid 7 days after the due date. We may charge partial amounts of the initial $10 Late Fee and the subsequent $7 Late Fee to remain within the maximum Late Fee cap.
  • Some features accessible on the App may not be accessible on the Web Portal, and vice versa.
  • If you won’t be able to pay us on time, please contact us as soon as possible. Please click here for more information regarding Hardship.
  • The delivery/quality of goods and services and all refunds are the responsibility of the Retailer where you make the purchase or the Third Party Supplier who supplies the Third Party Goods available through our Platforms.
  • If you decide to purchase goods from an authorised Retailer from outside of Australia, we draw your attention to clause 4.5.
  • We are a Code Compliant Member under the BNPL Code. You have certain rights and we have certain obligations to you under the BNPL Code. For further information, see clause 2.6.
  • We limit our liability to you in accordance with clause 10.3, and you indemnify us in accordance with clause 10.4.

Klarna

Full T&C's: https://www.klarna.com/au/legal/#pay-with-klarna

How it works

  • Use your own valid debit or credit card to pay (no prepaid cards).
  • You must be 18 years old and capable of entering into a legally binding contract. 
  • The first payment is charged when the merchant confirms your order (usually the shipping date), the next 3 payments are automatically charged every 2 weeks after that.
  • There are no interest charges with Pay later in 4 instalments, and no fees when you follow your automatic payment schedule. If you are delayed in making a payment, we may charge you a late fee as disclosed in the Schedule of Fees below. Any missed instalments, including any added late fees, will be rolled over to the next scheduled Due Date. 
  • If you cancel your purchase or return your goods we will automatically waive the amount you owe us (as soon as this has been confirmed by the merchant). If you already paid us for a refunded order, we will refund the amount you paid back to you.
  • If you have questions about the quality or shipping of your order, please contact the merchant where you made the purchase.
  • The issuer of your card may charge interest or fees under your agreement with them. If you have any questions about those charges contact your card issuer.