Buy what you want today, interest-free!

Use Afterpay to get what you want without the wait. Millions of items are now available that you can purchase today, and pay off with four, fortnightly, interest-free payments. Easy!

Select Afterpay as your payment option

Select Afterpay as your payment option.

Use your credit or debit card. You’ll pay your first installment at the time of purchase, and the remainder over time.

Complete your checkout in seconds

Complete your checkout in seconds.

As a new user it'll only take a few steps to create an account. Future approvals are instant.

Pay fortnightly.

Pay fortnightly.

It's interest free, and you can enjoy your purchase straight away!

Shop from over 5 Million items now available with Afterpay

Signing up to Afterpay couldn't be easier, you'll just need to:

  • Live in NZ
  • Be at least 18 years old
  • Be capable of entering into a legally binding contract
  • Have a valid and verifiable email address and mobile number
  • Use a NZ debit or credit card to make the purchase.


For more information on Afterpay on Trade Me, also see our FAQs for buyers.

Frequently asked questions

  • Is there a fee for using Afterpay to purchase items?

    No, Afterpay does not charge a fee to buyers when purchasing. The only time a buyer will be charged is if scheduled payments are unsuccessfully processed, and they don’t resolve the issue after being notified.

  • Which card types are accepted?

    There are several NZ issued credit and debit cards you can use to make a payment via Afterpay: Visa, Mastercard, and most NZ issued debit cards. Note: American Express, Diners, Q Card and Prezzy card are not accepted for Afterpay transactions at this time.

  • Is Afterpay safe and secure?

    Afterpay is a PCI DSS Level 1 certified compliant Service Provider organisation, which is the highest level of security in the payment industry.

  • How much can I spend with Afterpay?

    The maximum amount you can spend with Afterpay on Trade Me is $1,500. Afterpay also have their own limit to how much you can spend with them, and this will change over time, as they consider different factors to determine your individual maximum spend amount.

  • Does Buyer Protection apply to Afterpay listings?

    Yes. In the same way it does with Pay Now and Ping.

  • How do refunds work with Afterpay?

    Refunds for purchases made using Afterpay work in a similar way to Pay Now, except that Afterpay manages the return of any owed funds to you the buyer, rather than Trade Me. Afterpay automatically adjusts your payment schedule to reflect what is outstanding or refunds any amounts paid.

  • Is Afterpay available for all categories?

    No. Afterpay is available on Marketplace general items only. In some categories the buyer is required to have a feedback rating of at least five to use Afterpay. In addition, some Marketplace categories are permanently restricted from Afterpay.