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Buy Now Pay Later
Everything you need to know about Australia's "buy now, pay later" services, covering Afterpay, Zip Pay, Hummpay, and LatitudePay, and more. Learn how BNPL compares to credit cards and explore your options.
0+ buy now pay later providers in RateCity’s database
10+ buy now pay later products in RateCity’s database
Updated on
Plan type
Plan frequency
Plan limit
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$2k
4 / Fortnightly
Pay in 4 interest-free instalments over 6 weeks
Afterpay
$2k
4 / Fortnightly
4 instalments every fortnight
Deferit
$1k
4 / Fortnightly
Pay in 4 interest-free instalments over 6 weeks. Payments can also be scheduled in advance.
Klarna
$1.2k
6 / Weekly
Pay a sixth today and the rest over five weeks
Laybuy
$1k
4 / Weekly
4 Payments in 4 weeks. Initial payment of 35% of purchase price when the order is placed, plus 3 equal weekly instalments.
PayItLater
$20k
NA / Fortnightly
Can pay fortnightly or monthly up to the lifetime of your plan (max 60 months)
Payright
$5k
NA / Fortnightly
Can pay in weekly or monthly instalments
Zip Money
$1k
4 / Fortnightly
Can pay in weekly or monthly instalments
Zip Pay
$100k
10 / Monthly
Pay 10% upfront, then 9 more equal monthly repayments after that.
ArtMoney
$30k
NA / Fortnightly
60
humm Big Things
$2k
NA / Fortnightly
5 fortnightly payments or 120 fortnightly payments
humm Little Things
$2k
4 / Fortnightly
Pay in 4 interest-free instalments over 6 weeks
Afterpay Plus
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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.