How it works at checkout

1. Shop at CosmoShop NZ and add items to cart.
2. Choose Afterpay at payment.
3. Make your first payment today (about 25%).
4. Pay the remaining three instalments automatically every two weeks.

Subject to eligibility and approval. Late fees may apply. See Afterpay NZ Terms.

Why you’ll like it

• Interest-free when you pay on time.
• Instant decision at checkout.
• No long forms — create or log into your Afterpay account in seconds.
• Manage payments in the Afterpay app with reminders.

FAQ

Is Afterpay really interest-free?

Yes — when you pay on time. There are no hidden or annual fees for Pay-in-4. Learn more ↗

What happens if I miss a payment?

Afterpay may charge a late fee (e.g., initial $10, then $7 if still unpaid after 7 days), capped at the lower of 25% of the order value or $68. See NZ Terms ↗

Do I need a credit check?

Afterpay uses its own approval process and spending limits. Decisions can vary per order. Details ↗

Where can I manage my payments?

In the Afterpay app. You’ll see your schedule, due dates, and can make early payments. How it works ↗

Helpful links

• Afterpay NZ homepage ↗
• How Afterpay works ↗
• Terms of Service (NZ) ↗
• Contact Afterpay Support ↗
• Afterpay YouTube Channel ↗

Afterpay is a service provided by Afterpay. Eligibility criteria apply. Fees may be charged for late or missed payments. Always read the terms.