How Afterpay Works at Morris & Sons
Afterpay lets you get your order now and pay for it over time. Online, you can choose Afterpay at checkout and pay with Pay in 4 or, where available, Pay Monthly. In store, you can pay with Afterpay too. Both are provided by Afterpay, not Morris & Sons, and Afterpay’s terms, eligibility criteria and fees apply.
Pay in 4
Pay in 4 splits your order into four instalments over 6 weeks. Pay in 4 is interest free.
- Add your items to your cart and choose Afterpay at checkout.
- Log in to your Afterpay account, or sign up if you’re new. You need to be over 18, and Afterpay assesses eligibility.
- Pay your first instalment at checkout.
- Your remaining three instalments are taken automatically, about every two weeks, from your linked payment method.
There are no fees with Pay in 4 when you pay on time. Late fees apply if you miss a payment.
Pay Monthly
Pay Monthly is a separate Afterpay plan for spreading an order over 6, 12 or 24 months with fixed monthly payments. Interest applies to Pay Monthly.
- Apply once in the Afterpay app and choose a spend limit between $1,000 and $20,000. Afterpay runs a credit check to set and approve your final limit.
- At checkout, if Pay Monthly is available for your order, choose a 6, 12 or 24 month plan. Before you confirm, you’ll see your monthly payment, total cost including interest, and end date.
- Payments are debited automatically each month. Track your plan in the Afterpay app, and pay it off early at any time for no extra fee.
The minimum order for Pay Monthly is $500. Interest is 19.99% p.a. There are no setup fees or monthly fees, and late fees apply if you miss a payment.
Using Afterpay in store
You can pay with Afterpay in our stores too. To get set up, open the In-store tab in the Afterpay app and add Afterpay to your phone’s digital wallet. Then tap to pay with Apple Pay, Google Pay or Samsung Pay. Pay Monthly isn’t available in store.
Pay in 4 and Pay Monthly at a glance
| Pay in 4 | Pay Monthly | |
|---|---|---|
| How it works | Four instalments over 6 weeks | Fixed monthly payments over 6, 12 or 24 months |
| Interest | Interest free | Interest applies (19.99% p.a.) |
| Fees | No fees when you pay on time. Late fees apply | No setup or monthly fees. Late fees apply |
| Minimum order | Not applicable | $500 |
| Spend limit | Starts low and may increase with on-time payments | $1,000 to $20,000, chosen when you apply |
| Payment method | Linked payment method | Valid debit card |
| How to start | Sign up at checkout or in the Afterpay app | Apply in the Afterpay app |
| Where you can use it | Online and in store | Eligible online orders |
Frequently asked questions
What is Afterpay?
Afterpay is a payment option that lets you receive your order now and pay for it over time. At Morris & Sons you can choose it at checkout.
How does Pay in 4 work?
Pay in 4 splits your order into four instalments over 6 weeks. You pay the first at checkout, and the other three are taken automatically about every two weeks.
Can I use Afterpay in store?
Yes, Afterpay is accepted in our stores. To pay in store, set up Afterpay in your phone’s digital wallet through the In-store tab of the Afterpay app, then tap to pay with Apple Pay, Google Pay or Samsung Pay. Pay Monthly is for online orders only.
Is Pay in 4 really interest free?
Yes, Pay in 4 is interest free. There are no fees when you pay on time, but late fees apply if you miss a payment.
What is Pay Monthly?
Pay Monthly is a separate Afterpay plan. You apply once in the Afterpay app, get a spend limit, then choose a 6, 12 or 24 month plan at checkout when it’s available for your order. Pay Monthly is available on eligible online orders only.
How is Pay Monthly different from Pay in 4?
Pay in 4 splits an order into four instalments over 6 weeks. Pay Monthly spreads an order over 6, 12 or 24 months, and interest applies. The minimum order is $500.
How much does Pay Monthly cost?
Interest is 19.99% p.a. There are no setup fees or monthly fees. Before you confirm, checkout shows your monthly payment, total cost including interest, and end date.
Who can apply for Pay Monthly?
Afterpay’s eligibility criteria apply, including having Pay in 4 in good standing and a valid debit card. You choose a spend limit between $1,000 and $20,000 when you apply, and Afterpay runs a credit check to set your final limit.
Can I pay with a credit card?
Pay Monthly needs a valid debit card. For Pay in 4, check Afterpay’s terms for accepted payment methods.
What happens if I miss a payment?
Late fees apply. Afterpay caps Pay in 4 late fees at 25% of the order or $68, whichever is lower, and may pause your account until you’re up to date. You can reschedule a Pay in 4 payment in the app up to 3 times a year.
Can I pay off my order early?
Yes. With Pay Monthly you can pay off early at any time for no extra fee, which also reduces the interest you pay.
Will Afterpay do a credit check?
Afterpay may carry out credit checks, which can appear on your credit report. Pay Monthly applications include one. See Afterpay’s website for full details.
Where can I find the full terms?
Afterpay’s terms, eligibility criteria and fees apply. See Afterpay’s Help Centre: https://www.afterpay.com/en-AU/help