AfterPay FAQs

afterpay

What is Afterpay?

Afterpay is a buy-now-pay-later service that lets eligible shoppers spread the cost of their purchase over six weeks. When you use Afterpay at HR Sports, the retailer is paid in full, and you repay the balance in four equal instalments: the first instalment, usually about 25%, is normally taken at checkout, and the remaining three payments are deducted automatically every two weeks. There are no interest charges or annual fees when you pay on time, though late fees may apply.

Afterpay sets a personalised spend limit that starts low and can increase over time if you make payments on time. If you have built a good repayment history, you may also be invited to use Afterpay’s no payment upfront feature, which allows eligible customers to pay $0 at checkout on orders under $500; your first payment is then due 8–14 days after purchase. Eligibility for this feature depends on factors such as payment history and how long you have been with Afterpay. Some purchases, including gift cards, orders over $500, fuel purchases, and grocery merchants, may be excluded.

You must be at least 18 years old and have a valid debit or credit card to sign up. Afterpay may conduct a credit check when you create an account or request a higher spending limit. Approval is not guaranteed and depends on your available funds and payment history.

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Features of Afterpay

Smart Spending Power

Afterpay gives each customer a personalised spend limit. It starts low and can grow over time as you build a track record of on-time payments. You can view your available spend limit in the Afterpay app.

Widely Accepted

Afterpay is available at thousands of online and in-store retailers across categories like fashion, health, travel, and home. Some categories, such as gift cards, fuel, and grocery purchases, may be excluded from certain features.

Pay in Four – No Interest

Your purchase is split into four equal fortnightly payments over six weeks. There are no interest charges or annual fees when you pay on time.

If you are invited to use Afterpay's No Payment Upfront feature, the first instalment is delayed by 8–14 days on eligible orders under $500. Late fees may apply if you miss a payment.

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Spend limits start at around $600

We’re all about responsible spending; our smart spend limits increase with your on-time payments.

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Widely accepted online and in-store.

Pay in 4 for fashion, travel, medical, automotive, entertainment and so much more by selecting Afterpay at checkout.

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Split the payments, zero interest.

When you use Afterpay, you’ll pay in 4 interest-free instalments, and there are no late fees when you pay on time.

Frequently Asked Questions

What is Afterpay?

Afterpay lets you buy now and pay later. HR Sports is paid in full, and you repay the balance in four interest-free instalments over six weeks. The first instalment is normally due at checkout; eligible customers may have nothing to pay upfront.

How do I use Afterpay at checkout?

Add items to your cart and choose Afterpay at checkout. You will be asked to log in or create an Afterpay account. Afterpay will show your available spend limit and repayment schedule. Approval depends on your payment history and available funds.

How does the payment schedule work?

Your purchase is split into four equal payments over six weeks. If you have access to the no payment upfront feature, your first instalment is due 8–14 days after purchase.

Do I pay interest or fees?

There are no interest charges or annual fees when you pay on time. If you miss a payment, Afterpay may charge late fees; these are capped at 25% of the order value or AU$68, whichever is lower. Optional Afterpay Plus membership, for shopping almost anywhere, costs AU$9.99 per month.

How much can I spend?

Afterpay assigns each account a personalised limit that starts low and may increase with a good repayment history. There is no fixed minimum purchase amount, but individual retailers may set a minimum.

Who is eligible to use Afterpay?

You must be at least 18 years old and hold a valid debit or credit card. Afterpay may run a credit check when you sign up or request a higher spending limit.

What is the no payment upfront feature?

Afterpay may allow eligible customers to delay the first payment by 8–14 days on orders under $500. Access is based on factors such as payment history and order frequency. The feature does not apply to gift cards, orders over $500, fuel purchases, or grocery merchants.

Can I earn Splash Pass credit when using Afterpay?

Yes. If you are logged into your Splash Pass account, you still earn 10% store credit on eligible HR Sports orders paid with Afterpay.

Can I use Afterpay on Hump Day Deals?

Yes. Afterpay is accepted on eligible sale items. You can pay for Hump Day Deals with Afterpay and still access the weekly discounts.

Does Afterpay perform a credit check?

Afterpay may conduct a credit check when you create an account or request a higher spending limit. Missing payments can affect your access to Afterpay's features.

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