#truebill

Afterpay is an app and service that allows you to split payments for items purchased at select retailers, both online and in retail stores. Your total for qualifying purchases is broken into four separate and equal payments that are billed over the course of six weeks.

This approach to buying things can be a convenient way to purchase more expensive items and pay over time without taking out a loan or opening a traditional credit card. It can also be a way to buy essential items if you’ve hit a financial snag and need a little bit of breathing room until your next few paychecks. If you’re interested in getting started, below are some steps to use the app:

Download the App

The first thing you need to do to take advantage of these payment plans is to download the app from your preferred app store. Once installed, you’ll need to set up an account on the app.

This process requires you to enter some personal information and your credit or debit card number. This is the information that will be used to make your payments. There is no approval process to sign up, but there is an approval process for each purchase. Newer app users may face enhanced scrutiny.

Look for Retailers

After you have your account set up, you will need to look for retailers that allow you to use the app for purchases. This can be done by looking at the payment page on most retailer websites. In-store checkout areas often display signage stating that they accept these payments. If you’re ever in doubt about the legitimacy of a retailer’s signage or online notification, you can contact the app developer for clarification.

Complete Your Purchase and Make Payments

Once your purchase is approved, you will pay the first of your four payments on the spot. From there, you will make an additional three payments over the next six weeks, with one payment automatically coming out of your credit or debit card account every two weeks. You can also make manual payments to reduce the total amount due.

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