SHOP NOW. PAY LATER. ALWAYS INTEREST FREE. SELECT AFTERPAY AT CHECKOUT.
1. What is Afterpay?
Afterpay is a payment service that lends customers a fixed amount of credit to make purchases instantly and then pay for them in 4 automatic instalments, made every 2 weeks, without any interest (late fees apply). Please use Afterpay responsibly.
The service is provided by Afterpay Finance Ltd. Afterpay Plans are not regulated by the Financial Conduct Authority.
2. How do I use Afterpay?
Afterpay can be used online. To transact online, just shop on Merchant Site and check out as normal. At checkout, choose the Afterpay payment method. You will be directed to the Afterpay website to register and provide payment details.
If you’ve used Afterpay before, just log in to your Afterpay account. Then complete your order!
Just shop on www.debenhams.au and check out as normal. At checkout, choose the Clearpay payment method. You will be directed to the Clearpay website to register and provide payment details.
If you've used Afterpay before, just log in to your Afterpay account.
Then complete your order!
3. Where can I use Afterpay?
Take a look at the Afterpay Shop Directory to check out our amazing partners where you can use Afterpay.
4. Who can use Afterpay?
Afterpay are very particular about who they let into their community because they want to make sure you spend responsibly and can stick to your short instalment plan.
This means they use their own specially developed technology to assess your ability to pay for the items you want. Also, they have some hard rules around who is eligible to join.
These include:
You must live in Australia.
You must be at least 18 years old.
You must have a valid and verifiable email address and mobile phone number.
You must use a valid Australia bank payment card to make a purchase.
You must be capable of entering into a legally binding contract.
Afterpay uses a mandatory ID verification process to ensure your eligibility. Please note that passing this verification test alone does not guarantee that your purchase with Afterpay will be approved.
5. How does the Afterpay payment schedule work?
Afterpay will split the total value of your order into 4 instalments payable every fortnight. When transacting online the exact amounts and dates will be displayed for you to agree to before you confirm your purchase. For instore purchases you will receive your payment summary once you have successfully transacted.
If you would like to make additional unscheduled payments before they are due, you may log into your Afterpay account to make your payments early. Afterpay will then adjust the amount owed accordingly.
You can log in to your Afterpay account anytime to view your payment schedule or make a payment before the next due date.
6. What if I can't pay a Afterpay instalment?
If you do miss a payment, we will pause your account and you won’t be able to buy anything else with us until your payments are up to date. You may notice your spend limit decreases too; this is because our system takes into account a range of different factors, including late payments, in deciding spend limits. Ultimately, all steps we take are to help you spend responsibly with Afterpay. Afterpay may charge a late fee if you miss a payment.
However, If you can't make a payment, you can reschedule your next payment up to 3 times a year in the Afterpay app, or you should contact us as soon as possible to discuss your options. You may be able to reschedule the payment or make a partial payment.
If we approve a purchase and you get into trouble, (which can happen to the best of us!) Please get in touch to see if we can help. If you need help with moving a single payment date, you may be able to do this yourself. Instructions on how to check are here.
If your facing financial hardship your first step is to contact us here. No matter how much you owe, our Hardship Policy is available to every Afterpay community member.
We've worked hard to develop a Hardship Policy that lets us work together if you have trouble making repayments.
7. When will my items be delivered if I use Afterpay?
Afterpay orders are delivered within our standard delivery timeframes like any order from Debenhams.
8. Is there a limit to how much I can spend on a single Afterpay transaction?
Yes, your order value including shipping must be between Debenhams Minimum Order and £1000 to use Afterpay. Your maximum order value may be lower depending on factors such as being a new customer or your payment history.
9. Can I use another form of payment with Afterpay?
Yes, you may also use a gift card, cash, or a promotional code with Afterpay to pay for your purchase.
10. How do I return or exchange an item purchased with Clearpay?
Afterpay purchases follow the retailer's standard return policy for both instore and online transactions. Check with the our return policy to make sure your purchase is eligible for return.
Please note, refunds for Afterpay purchases will be refunded from Debenhams to Afterpay. We cannot provide an exchange or cash refund.
When the refund is processed, any upcoming payments you have to Afterpay will be cancelled and any payments you have already made will be refunded back to the card you paid with. Please note that until the merchant has confirmed the receipt of any return goods, you will be liable to continue to make your payments to Afterpay.
You can view the details by logging in to your Afterpay account. For more information on refunds, please visit Afterpay’s FAQ page.