Afterpay is a 'buy now, pay later' service that enables you to purchase items immediately and pay in four installments, each due biweekly. There are no interest or fees if payments are made on time. To use Afterpay, select it as your payment method at checkout, then create an account or log in to complete your purchase.

Using Afterpay incurs no interest or fees if all installment payments are made timely. Missing a payment may result in late fees. The fee structure is transparent, and notifications are provided before charges are applied. Ensure sufficient funds to avoid extra costs.

Yes, Afterpay can be used for in-store purchases at participating retailers by setting up the Afterpay Card in the app and adding it to your digital wallet. At checkout, tap your smartphone to split the payment into installments, similar to online shopping.

To qualify for Afterpay, you must be at least 18 years old, have a valid email and phone number, and use a credit or debit card for payments. Approval also depends on purchase amount and your Afterpay history. Meeting these criteria allows you to create and use an account successfully.

Afterpay does not impact your credit score as it does not perform hard credit checks or report to credit bureaus. However, missed payments could affect your ability to use the service in the future. Responsible usage helps maintain good standing and continued access.