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Afterpay

How does Afterpay work?

*Afterpay allows you to enjoy your shopping now and pay it off in 4 fortnightly interest free instalments*
^Subject to Afterpay's terms and conditions and lending policies, see www.afterpay.com.au/terms for more information
#Gift Certificates cannot be purchased using Afterpay due to anti-money laundering laws

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Consumers should consider their financial position and ability to repay their instalments before proceeding.  More information about being money smart can be found online at https://www.moneysmart.gov.au/  -  If you or someone needs help or support with a debt, please visit the National Debt Helpline http://www.ndh.org.au/


FREQUENTLY ASKED QUESTIONS

WHAT DO I NEED TO USE AFTERPAY?
To qualify for Afterpay you must be over 18 years of age, be living in Australia and have a valid form of Australian credit or debit card. You can create an account with Afterpay at the time of checking out, or directly at www.afterpay.com.au

HOW MUCH DOES IT COST TO USE AFTERPAY?
Afterpay is free - for you that is!  Retailers, like Little Train Shop, cover the costs associated with this payment option.  However, a late fee may be applied if you fail to make your instalments on time. 

WHEN DO I MAKE MY FIRST PAYMENT?
New Afterpay customers or orders totalling more than $500(AUD) are required to make the first payment at the time of checkout, which is 25% of the order total.  If you have had your Afterpay account in good standing and for a certain period of time, your first instalment may be in 14 days time.

CAN I PAY OFF MY INSTALMENTS EARLY?
Absolutely.  Simply log into the mobile phone app or your account online and follow the steps to make additional payments to your Afterpay orders. 

HOW MUCH CAN I SPEND WITH AFTERPAY?
There is no specific way to find your available balance.  However, if you use the mobile phone app and generate an in-store barcode, this will provide you with your available maximum limit.  This should only be used as a reference only.

AFTERPAY DECLINED MY ORDER - WHY IS THIS?
This could be for many reasons and Afterpay may not always disclose the reason why.  Some common examples are below: insufficient Afterpay available credit, behind on Afterpay payments, Debit/Credit Card expiring within the next 2 months or has a block loaded on the card, a barcode was generated within the last 30 minutes and may have exceeded your borrowing capacity (in this case, wait until it expires). 

CAN I CONTACT AFTERPAY?
Afterpay does not have a call centre to take enquiries.  If you are experincing issues with Afterpay or a retailer in relation to an Afterpay payment, you can send a contact assistance request form at https://help.afterpay.com/hc/en-au/requests/new


*If you make repayments on time, you’ll only ever pay the price of the item you’ve purchased. The only fees Afterpay charges are late fees for missed payments.  ^Afterpay's lending criteria applies in addition to their terms and conditions.  #Gift certificates cannot be purchased using Afterpay due to anti-money laundering laws.  Any gift certificates purchased with this payment method will be reversed, and the coupon code disabled from use. 

Please note that Afterpay is not a service provided by Little Train Shop. It is facility offered by Afterpay Pty Ltd.  For all enquiries related to payments and billing are to be directed to Afterpay.  Consumers should consider their financial position and ability to repay their instalments before proceeding.  More information about being money smart can be found online at https://www.moneysmart.gov.au/