MOBILE PHONES-AFTERPAY, ZIP, LAYBUY, LATITUDEPAY, KLARNA AND OPENPAY

Afterpay allows you to pay for your purchase over 4 equal installments that are due every fortnight. Shop for all the latest phones priced up to $1,500 and you can pay for it in 4 installments.

You can shop up to a maximum of $1500. Once you've established a credible track record, the limits applied by Afterpay increase slowly.

One part of the company's terms and conditions that caused us to raise an eyebrow was its policy on disputes between you and Afterpay. The company aims to resolve all complaints within 45 business days and like to emphasize on business days. There's no guarantee even the dispute will be resolved within that time.

Sure, you can skip your repayments, but we don't think that's wise. According to the Afterpay terms and conditions, they have the right to sell any unpaid debt to third-party collections agencies.

Afterpay is a digital service that makes it possible to buy something now and pay it off in fortnightly installments. Unlike layby, you'll get the product right away, whether you are shopping online or in-store. Here the best scenario is that you'll pay nothing more.

There's no credit check before you apply for Afterpay and it won't affect your credit history as long as you use it responsibly. Because there's no credit check, your Afterpay history won't officially go towards helping you to build up a good credit history.

If you want to avoid high-interest rates and traditional forms of credit, you can do so with Afterpay. It looks like a decent alternative since you don't require a good credit score to qualify. You won't get hit with interest payments every time you use it.

First-time buyers with Afterpay will only have 1 order approved in the first 24 hrs. If you are brand new to Afterpay and trying to use its services multiple times you will be declined. This helps us to keep our service FREE to use for all of our buyers.