Skip to content   Skip to footer navigation 

Buy now, pay later services comparison

Buy smarter with CHOICE membership


Or Learn more

Last updated: 24 June 2021


Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE.

Buy now, pay later services offer consumers "interest free" finance to shop now and pay the money back in instalments later. As of 2020, more than one in 10 Australians are using BNPL just to get by. We've compared the credit limits, fees and repayments for the three largest BNPL players in the market – Afterpay, Zip Pay and Humm – as well as a fourth smaller provider called Deferit.


Expand to view more details.

List of brands we tested in this review.

    enter value/s in increments of 1 between 0 and 0

    Included in this comparison

    Members-only access
    • Interest charged
    • Repayment options
    • Credit limit
    • Minimum repayments
    • Monthly fee
    • Establishment fee
    • Late fees
    • Other fees
    • Dishonour fee if payment rejected
    • Repayment schedule
    • Whether you can pay off your debt early
    • Whether there is a credit check
    • Whether your credit rating is affected


    Your filters

    Clear all filters

    Product selected for a detailed comparison

    Clear all