How it works:

1.) Add items to your cart.
2.) Choose Afterpay.
3.) At checkout, select:
• Pay in 4 (zero interest when you pay it in 4), or
• Pay Monthly (flexible way to pay for high-value orders)

What is Pay in 4 interest-free payments?

Afterpay's Pay in 4 allows you to split your purchase into four equal, interest-free installments over six weeks. The first payment is due at the time of the purchase, and the remaining three are automatically deducted from your debit or credit card over the following six weeks.



To learn more, visit Afterpay’s Pay in 4 here.

*Late fees may apply. Eligibility criteria apply. See www.afterpay.com and https://cash.app/ for more details. Loans to California residents made or arranged pursuant to a California Finance Lenders Law license. © 2020 Afterpay US

What is Pay Monthly?

Customers get additional time to pay for high value orders when they use the monthly payment option called Pay Monthly. 

Afterpay’s Pay Monthly product is an installment loan. Upon approval, you may be offered a flexible way to pay for high-value orders over 6 or 12 months!



The long-term installment solution is simple, transparent, and enables responsible spending for big ticket items or experiences. With visible consumer-friendly terms, consumers avoid an endless revolving debt cycle and can benefit in a few various ways:

• More choice and transparency at checkout: When making a purchase online, consumers can select Afterpay’s Pay Monthly option at available merchant partners for higher ticket purchases. Before checking out, eligible customers see what interest they will pay on the principal over a 6 or 12-month period and only pay what they agree to. 
  
  
• Quick approval process: Afterpay was founded on the principle of financial inclusion with customer protections built in. This means customers checking out with Pay Monthly go through a quick and simple approval process through a soft credit check, which does not impact credit scores. 
  
  
• Flexible payment plans: Once approved, consumers can choose from a range of payment plans, typically spanning 6 or 12 months, depending on the merchant’s offerings. 
  
  
• Transparent fees: One of the standout features of Afterpay’s Pay Monthly solution is that consumers never pay compounding interest, with an annual percentage rate ranging from 0.00% to 35.99%, and consumers never pay late fees.
  
  

To learn more, visit Afterpay’s Pay Monthly here.

*You must be 18 or older, a resident of the U.S. and meet additional eligibility criteria to qualify. Loans through the Afterpay Pay Monthly program are underwritten and issued by the First Electronic Bank. A down payment may be required. APRs range from 0.00% to 35.99%, depending on eligibility and merchant. As an example, a 12 month $1,000 loan with 21% APR would have 11 monthly payments of $93.11 and 1 payment of $93.19 for a total payment of $1,117.40. Loans are subject to credit check and approval and are not available in all states. Valid debit card and acceptance of final terms required to apply. Estimated payment amounts shown on product pages exclude taxes and shipping charges, which are added at checkout. Click here for complete terms.

FAQS

How do I use Afterpay?
Add items to your cart and checkout as usual. At checkout, choose Afterpay as your payment method.

Log in or create an account and complete your order — it’s that easy!

First-time customers will need to create an Afterpay account — with instant approval decision and returning customers will simply log in to make their purchase.

Please note, all items in your cart must be eligible for Afterpay. 

Are there extra fees when I use Afterpay?
Afterpay’s Pay in 4 option is always interest free. There are no fees associated with the account as long as installments are paid on time, according to the payment schedule (provided at the time of order confirmation). 

A late fee may be charged when an installment for an order is not paid within 10 days after the payment due date (unless otherwise noted on your payment schedule). Afterpay will only ever charge up to one late fee per installment and the total amount of late fees charged on an order will never exceed 25% of your initial order value (unless indicated otherwise on your payment confirmation email or during the checkout process).

Although this 10-day grace period is provided before Afterpay charges a late fee, the Afterpay system reviews customer repayment history for future purchases, so Afterpay encourages payment of your installment as soon as possible. 

Afterpay’s longer term monthly payments option, Pay Monthly may include interest. If your installment loan includes interest, you will be able to see the amount you will owe before completing the purchase. Interest is capped and there are no late fees, loan origination fees, or other fees.


Does Afterpay conduct credit checks?
Afterpay may conduct a soft credit check for new customers when they first sign-up to use the platform. This soft credit check will not impact a customer’s credit score. 


Will using Afterpay Buy Now, Pay Later feature affect my credit score?  
No. Afterpay Buy now, Pay Later payments will not affect your credit score, as they are not reported to credit reporting agencies.    

Will soft credit checks from Afterpay affect my credit score?
No, soft credit checks do not affect credit scores.

How do refunds work at Afterpay?
First, TruBeef Organic would have to process the refund in their system. The refund will then drop through to reflect on your Afterpay account, and if you're owed a refund back to your card, it will be returned to the card that was used to make the payments.

Once processed, the money can take up to 10 business days to be returned to your card(s), depending on your financial institution.

It is important to remember that refunds are always subject to TruBeef Organic's policy. Refunds are entirely made at TruBeef Organic's discretion and can be offered or withdrawn.

For more information on TruBeef Organic's Terms and Conditions: Orders, Shipping, Refunds (Full Store Policy), please visit this link: https://truorganicbeef.com/pages/t-cs-orders-shipping-refunds

For help with Afterpay refunds, please contact their team through this link: https://help.afterpay.com/hc/en-us/requests/new?ticket_form_id=4417212380057


Where can I find out more about Afterpay?
For more information, visit Afterpay’s FAQ page here.

If you have a question about your Afterpay account, please contact their team via chat in the Afterpay app or submit a question here.


*Afterpay US Services, LLC, NMLS ID 1870854 NMLS Consumer Access. Late fees may apply. Eligibility Criteria apply. Loans to California residents made or arranged pursuant to California Finance Lenders Law license #60DBO-99995. © 2025 Afterpay