Afterpay is a service that allows us to offer our customers the ability to make purchases now and pay for them over time. Customers using the pay-in-4 option pay for their purchase total in four interest-free installments over six weeks. And customers get additional time to pay for high value orders when they use the monthly payments option, an installment-based lending product. To learn more, visit www.afterpay.com.

Just shop on UrbanOutfitters.com 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! Please note, all items in your shopping bag must be eligible for Afterpay, and the order value must be between $1 and $2,000.

To shop in stores with Afterpay, simply download the Afterpay mobile app, follow the in-app instructions to set up the Afterpay Card, and use the Afterpay Card with Apple Pay or Google Pay to make a contactless payment at checkout. You’ll pay 25% at the time of purchase, and take your purchase home that day.

Afterpay is only offered to customers who have a US billing address, a US credit card, debit card, or bank checking account, and a US mobile phone number. Customers with international billing addresses and/or phone numbers will not be able to set up an account with Afterpay.

In most cases for pay-in-4 purchases, customers are required to make their first payment at the time of purchase. The remaining three payments are due every 2 weeks in equal installments and will be drawn from your selected payment method. If you would like to make additional unscheduled payments before they are due, you may log in to Afterpay to make your payments early.For monthly payments purchases, customers may be required to make a down payment at the time of purchase. The remaining payments will be deducted every month from your payment method until all scheduled payments are complete.You can log in to your Afterpay account any time to view the payment schedule or to make a payment before the next due date.

You will be prevented from using Afterpay and you may be charged a late fee. Afterpay is committed to supporting customers in spending responsibly.

Afterpay orders are delivered pursuant to delivery time frames presented by Urban Outfitters after you complete your order online.

Yes, your purchase must be between $35 and $2,000 to use Afterpay with Urban Outfitters. However, first-time Afterpay customers may have a lower maximum purchase value. You will receive an instant approval decision on your order at checkout. Afterpay and Urban Outfitters are committed to responsible spending. Several factors are taken into consideration to determine order approvals. Not all orders will be approved.

Yes, you may also use a UO gift card or e-Gift card with Afterpay to pay for your purchase as long as your order total is between $1 and $2,000.

Afterpay is not available for purchases of gift cards or e-gift cards and may be unavailable on additional products. If your order contains gift cards and other eligible products, you will need to purchase your gift cards separately.

Afterpay returns follow Urban Outfitters’ standard return process. Once the refund is processed by Urban Outfitters your Afterpay payment schedule is adjusted to reflect the new total order value starting with the last installment and working backwards. Therefore, you may find that your payments that are the furthest out, have been reduced to zero, and the closest payments remain at the original value.If you are fully returning items you purchased using the monthly payments option and a refund is owed, any amounts paid towards the good or service, will be refunded; any interest that has already been paid will not be refunded. You may be charged interest for the period of time before your refund is processed.If you believe there is fault or concern with your Afterpay purchase payment, please contact Afterpay customer support at info@afterpay.comFor more information on returns and refunds, visit Afterpay's Help Center.

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 providedbefore 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 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.

Your purchase must exceed $35 min in order to use Afterpay. Is there a limit to how much I can spend on a single transaction using Afterpay?

Afterpay is only offered to customers over the age of 18.

Afterpay sends payment reminders via SMS and email prior to payment due dates. It’s also easy to view customer orders and payment schedules in the Afterpay app or on Afterpay.com.

Yes, you can make payments any time through your Afterpay account before the scheduled due date. Just click on the installment that you would like to pay early and select ‘Pay Now.’

Eligible payments may be rescheduled via the Orders section of Afterpay’s mobile app or website. For more information, visit Afterpay’s Help Center. Please note, not all payments are eligible to be rescheduled.

Afterpay will be notified once your refund is processed.

If you purchased using pay-in-4, your payment plan will be automatically adjusted to reflect the new total order value starting with the last payment and working backward. In the case where a refund amount is larger than 25% of the total order, Afterpay will eliminate the fourth installment payment and apply the remaining amount to your earlier payments.

If you purchased using monthly payments, interest already paid will not be refunded. Any amounts paid toward the good or service will be adjusted; interest will be recalculated based upon the adjusted amount.