Afterpay may conduct a soft credit check for new customers when they first sign-up to use the platform. This soft credit check will not impact a customer’s credit score. Soft credit checks (also known as soft pulls or soft inquiries) are very common and will not affect credit scores, will not be visible to other lenders or creditors and may or may not be recorded in credit reports, depending on the credit bureau. Afterpay takes a number of factors into account when making a decision to approve a new customer, a soft credit check is one of those factors.

• Are a resident and reside within one of the 50 states or the District of Columbia.
• Are at least 18 years old
• Are capable of entering into a legally binding contract
• Have a valid and verifiable email address and mobile number
• Provide a valid delivery address in the United States
• Be authorised to use the US-issued credit card, debit card or bank checking account to make the purchase

The first payment is due at the time of checkout. Afterpay will send you a confirmation email outlining the amounts and dates that the payments are due.

Afterpay is a free service when you pay on time - there are no upfront fees charged or any interest incurred. The only fees that may be incurred are late fees if your scheduled payments are unsuccessfully processed and, after being notified, you do not log in to your Afterpay account to make your payment via a different method. We do everything we can for you to avoid late fees, including sending reminders leading up to the payment due date. Shoppers in the USA may receive up to an $8 late fee for each missed installment but the total late fees for each order won't exceed 25% of the order value.

At Afterpay our number one priority is the protection of your data. We have achieved the highest level of payment data security in the world, set by the PCI Global Security Standards Council. This is known in the industry as Data Security Standard Level 1 and applies to all the major payment companies around the world. Achieving this standard includes accreditation to the highest level of:

• Secure Networks and Systems
• Data Protection
• Strong Access Control
• Regular Monitoring and Testing

Our entire business depends on our community trusting us to help them plan, buy and pay – including managing and protecting their data. This is why at Afterpay, protecting your data is our number one priority.

Available to spend gives you an estimate of how much you can spend with Afterpay. You'll see this amount when you log into your account via the App or online. Keep in mind that your available to spend can change based on a few factors.

What affects my available to spend? Your available to spend is based on:

• Payment History: Making payments on time is the best way to maintain or increase your available to spend. Late payments may lower it.
• Time with Afterpay: New customers start with a lower amount. This can grow over time as you build trust by using Afterpay responsibly.
• Declined Transactions: If your orders or payments are declined, it can affect your available spending balance. To prevent this, ensure you have sufficient funds in your account to cover the first payment of your order.

How does it work?
Check your available to spend anytime in the 'My Afterpay' section of your account. While this amount shows what you could potentially spend, each purchase is assessed individually based on various factors. Some stores may also set their own Afterpay spending limits.