Afterpay allows you to pay over time in various ways. Pay in 4 lets you pay for your items in 4 payments over 6 weeks, interest free.

When you use Pay in 4, you pay for your items in 4 payments over 6 weeks, without incurring any interest. To use Pay in 4, add items to your shopping cart then select Afterpay from the available payment options. You pay the first payment at the time of purchase, and the remaining three payments will be automatically deducted from your preferred payment method over approximately six weeks.

Step one: Add your items to your shopping cart.

Step two: Select Afterpay as your payment method at the checkout.

Step three: You’ll be redirected to Afterpay to login or create your account.

Step four: Your payment schedule will be displayed.

Step five: Track your payments, check available spend limits, and make early payments in the Afterpay app.

To set up a Pay in 4 account you’ll need to:

• Live in Australia or New Zealand
• Be over 18 years of age
• Have an Australian/New Zealand debit card or credit card linked as your preferred payment method
• Have a valid and verifiable email address and mobile number
• Be capable of entering into a legally binding contract
• Credit checks apply

For full terms and conditions visit www.afterpay.com/terms.

Afterpay caps Pay in 4 late fees to help keep costs manageable for customers who miss a payment. Pay in 4 late fees will never exceed 25% of the order total or $68 per order, whichever is lower.

How this works for Pay in 4:

• For orders under $40: A one-time late fee of up to 25% of the order total applies
• For orders of $40 or more: A $10 Pay in 4 late fee is charged when a payment is missed. If the outstanding amount remains unpaid after seven days, an additional $7 Pay in 4 late fee applies. This is the same for all late payments until the 25% cap or $68 amount is reached. To remain within the cap, we may charge partial amounts of the $10 and $7 fees.

You can check the Pay in 4 Schedule for other late fee caps that may apply.

Afterpay is committed to doing everything they can to help you not miss a payment, including sending you payment reminders. For Pay in 4, we also offer options to reschedule eligible upcoming payment dates.

Pay in 4 can be used online and in stores, depending on the retailer or service. To shop online, select Afterpay as your payment method at the checkout. You’ll be redirected to Afterpay to login or create your account.

Afterpay has been built with a range of security features and services to help keep your accounts secure, including monitoring transactions to identify fraudulent trends and behaviours, multi-factor authentication, and encryption to protect your information. You can find out more at Afterpay’s safety and security page.

Items purchased with Pay in 4 can be returned for an exchange or refund, subject to TC Boxes’ returns policy. Returns or refunds will be processed and Afterpay will be advised. Your payment schedule will then be adjusted to reflect the new total order value. If you have already made a payment, this will be refunded to you via Afterpay.

To find out more, visit the Afterpay website.