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Afterpay - Buy Now Pay Later

Helpful Guides at Little Train Shop

Buy Now, Pay Later
with Afterpay

 click here to go back


Afterpay, how it works graphic


What is Afterpay?

Afterpay is a 'buy now pay later' program that allows you to purchase goods straight away from selected retailers, and pay off the balance over four fortnights. 

Where can you Afterpay?

Afterpay is available in store and online. For in store, present your unique barcode or tap your phone on the EFTPOS reader when prompted. For online, select 'Afterpay' as your payment option at the checkout, then follow the prompts to login to your Afterpay account via a secure window.

How does Afterpay Work?

Afterpay works in five easy steps:

  1. Simply add your favourite items to your shopping cart
  2. Select Afterpay at the checkout
  3. Log into or create your Afterpay account, with instant approval decision
  4. If approved, your purchase will be confirmed and sent to you
  5. Your purchase will be split into 4 payments, payable every 2 weeks

Can I sign up to Afterpay before the Checkout?

Yes you can. Simply visit

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 

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 by Afterpay if you fail to make your instalments on time. 

When do I make the first Payment?

Afterpay requires customers to make their first installment at the time of checkout. This will equal to 25% of the order value. This information, along with your repayment schedule, will be presented to approved applicants at the checkout screen.

When much can I spend with Afterpay?

You will be shown an estimated amount you can spend when you log into your Afterpay account or Afterpay app. The amount you can spend using Afterpay generally changes based on how you use your account.

Are there are any restrictions to Afterpay purchases?

Yes. Afterpay cannot be used to purchase Gift Certificates, nor can it be used to complete pre-orders or back-orders. 

Afterpay declined my order, why?

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).

I have a question about my order and my products. Do I contact Afterpay or Little Train Shop?

You need to contact Little Train Shop for all enquries relating to your order, your purchases and the products. Afterpay can only assist with payment and billing enquiries. 

My order has been cancelled or partially refunded, what happens?

Any refunds will be sent to Afterpay (as this is who has paid for the order), and takes 3-5 business days to process. Once received, Afterpay will place credits on to the balance of your Little Train Shop order. If a full refund was provided, or the refund is more than your remaining repayments, Afterpay will credit the difference back to your linked finanical instution. More information on cancellations and refunds can be found at Afterpay or by clicking here


Little Train Shop encourages customers to be 'MONEY SMART' and to consider their financial position and ability to repay their instalments before choosing Afterpay.

Afterpay is not a service provided by Little Train Shop. It is facility offered by Afterpay Pty Ltd.  Enquiries related to accounts, signup, payments and billing are to be directed to Afterpay Customer Service ( 

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

If you or someone needs help or support with a debt, please visit the National Debt Helpline