AfterPay

In 2015, Afterpay founder, Nick Molnar, identified a shift in payment behaviour amongst Millennial shoppers and a preference towards debit cards and aversion of credit. Nick was motivated to create Afterpay to cater to this generational shift by offering customers an alternative to credit.

Afterpay’s model is simple; it charges retailers to offer customers interest-free instalment plans by splitting a purchase amount over 4 manageable fortnightly instalments, available both online and in-store. The service is free to customers who pay on time, with no interest and no contracts.

Responsible spending has been built into Afterpay’s DNA – these rules help users which means Afterpay won’t let customers revolve into debt, no exceptions.

Customers can’t use Afterpay until they pay each instalment. This is what makes Afterpay different. Approved spending limits are largely determined by customers’ repayment history. For those who have only recently joined Afterpay, spending limits will generally be smaller.

Today Afterpay has millions of customers globally. 

https://www.afterpay.com/en-AU/how-it-works

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★ Reviews

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11MM 925 STERLING SILVER RING (11MM) : FIRST CLASS RING DESIGN

The 11mm ring is a real classic, a beautiful fit and design, and ultra comfortable to wear. The designer, Janis, creates perfectly circular rings, and this one is no exception to the many others I have purchased over the years. Janis of Illariy oversaw the ring's creation to beautiful safe packaging to delivery and post delivery contact. My ring is a faultless product from a perfectionist designer. And the ring was in Perth from Sydney in three days. Thankyou Janis.

Great quality and fast shipping

I love the bracelet. Very happy with everything

The earrings are exquisite, the tiny dried flowers are too cute! Quality item.

BAROQUE ROUND STUDS WITH BLUE FLOWERS IN 925 SILVER

Fast delivery. Good packing & Item as described

DOG TAG WITH BLACK CARBON FIBRE & 70CM STAINLESS STEEL NECKLACE

Amazing!!!

Love my bracelet! Excellent quality 🥰👍🏼 The butterfly is so cute and the package is lovely! Recommend a 100% customer service is the best 😃🔝love ILLARIY💖