Buy now, pay later schemes offering interest-free financing with no credit check are gaining popularity with big-name Australia stores, especially with millennials. Here are the main digital payment platforms available in Australia along with the top Australian stores offering deferred billing options so you can make payments on your purchases.

Australia Interest-Free Finance Providers

1. AfterPay

AfterPay appears to be the most popular choice as they allow you to pay for your purchase over four equal installments, due every two weeks with zero interest and no extra costs. Simply link up your Australian Visa or Mastercard credit or debit card and you're good to go.

Afterpay Australia Stores

Below are the top 20 most popular stores in Australia that accept Afterpay:

1. Adore Beauty – Cosmetics & beauty care products
2. Bed Bath N' Table – Homewares
3. BNKR – Women's fashion clothing
4. Cotton On – Fashion, accessories, homewares, stationery & gifts
5. David Jones – Fashion and beauty
6. Fantastic Furniture – Value furniture & bedding
7. House.com.au – Kitchenware
8. Lorna Jane – Women's fitness clothing
9. Lululemon – Athletic apparel
10. Myer – Fashion, homewares, beauty, toys & more
11. Portmans – Women's clothing & fashion
12. Princess Polly – Clothes and cosmetics
13. Rebel Sport – Sports brands
14. Sephora – Cosmetics & skincare
15. Showpo – Fashion clothing
16. Sunglass Hut – Sunglasses
17. SurfStitch – Actions sports & youth culture apparel
18. UGG – Sheepskin boots
19. Urban Outfitters – Clothing, accessories & apartment items
20. Zanui – Furniture & homewares

See all Afterpay stores.

2. Humm

Humm lets you buy little things up to $2,000 and choose to repay fornightly in 5 or 10 slices – that's over 2.5 or months or big things up to to $30,000 and pay back in up to 60 months with no interest.

Humm Australia Stores

Below are the top 5 most popular stores in Australia that accept Humm:

1. Bonds – Zippys, hoodies, trackies, socks, underwear
2. Cotton On – Fashion, accessories, shoes, homewares, stationery & gifts
3. Factorie –  Latest trends for guys and girls
4. SurfStitch – Actions sports & youth culture apparel
5. Toy Universe – Kids Toys

See all Humm stores.

3. LatitudePay

LatitudePay allows you to shop at your favorite stores and make ten weekly payments with no interest. 

LatitudePay Australia Stores

Below are the top 3 most popular stores in Australia that accept LatitudePay:

1. Catch.com.au – Deals of the Day
2. Cotton On – Fashion, accessories, shoes, homewares, stationery & gifts
3. Factorie –  Latest trends for guys and girls

See all LatitudePay stores.

4. LayBuy

LayBuy lets you to get your purchase now and spread the total order cost over 6 weekly automatic payments with no interest. 

LayBuy Australia Stores

Below are the top 11 most popular stores in Australia that accept LayBuy:

1. Bendon Lingerie
2. Beth Bath & Beyond NZ
3. Boohoo NZ
4. Cotton On – Fashion, accessories, shoes, homewares, stationery & gifts
5. Factorie –  Latest trends for guys and girls
6. Glassons – Fashion clothing
7. Hallenstein Brothers – Men's clothing & suits
8. JD Sports – Trainer and sports fashion retailer
9. Superette – Designer clothing
10. Supre – Womens jeans, tops, dresses & accessories
11. SurfStitch – Actions sports & youth culture apparel

See all Laybuy stores.

5. OpenPay

Openpay allows you to spread your purchase price over weekly, fortnightly or monthly payment plans with no interest.

OpenPay Australia Stores

Below are the top 5 most popular stores in Australia that accept Openpay:

1. Bonds – Zippys, Hoodies, Trackies, Socks, Underwear
2. Crumpler – Backpacks, Laptop & Casual Bags
3. Esther & Co – Women's Dresses & Clothing
4. Koala – Furniture
5. TOMS – Openpay is available on orders from $100 to $1,000

See all Openpay stores.

6. ZipMoney

zipMoney is a smart way to pay for life's larger purchases over time, on your terms (can choose weekly, fortnightly, monthly or one-off payments). You get a default three-month window where you can make repayments interest free.

ZipMoney Australia Stores

Over 3,000 Australia stores accept zipMoney. Here are the top ten most popular:

1. 624.com.au – Ultimate Mattress In A Box
2. Billy Guyatts – Electrical Superstore
3. BROSA – Functional & Stylish Furniture
4. Elinz – Car Electronics
5. Gym and Fitness – Fitness Equipment
6. Hugo Sleep – The Perfect Mattress
7. Jason.L – Office Furniture
8. Personal Digital – Unlocked Mobile Phones
9. Reid Cycles – Value Bikes
10. Shop Zero – Thousands of Bargains

See all ZipMoney stores.

7. ZipPay

zipPay is actually a division of zipMoney but is tailored for smaller purchases. You can get approved for up to $1000 within a few minutes. Then schedule your repayments weekly, fortnightly or monthly (minimum $40 per month).

Thousands of retail stores accept zipPay. You can also use your zipMoney account at all zipPay stores and your zipPay account at all zipMoney stores!

ZipPay Australia Stores

Here's the top ten featured Australia stores that accept zipPay:

1. Adairs – Bed and Bath
2. Biome – Eco-Friendly Items
3. Crazy Sales – Bargains Everyday
4. Forever New – Fashion Clothing
5. GHD – Hair Straighteners & Products
6. Kogan – Low Priced Electronics
7. My Deal – Discount Products
8. Pet Stock – Pet Food
9. Sanity – Movies & Music
10. Shiels – Jewellery

See all ZipPay stores.

More Options

The following Australian digital payment platforms are not as well known as the above options, but are still legitimate interest-free finance providers. Once we research each one, we will share and expand what we've learned.

• Brighte
• Bundll
• Certegy Ezi-Pay
• CreditLine
• FlexiRent
• Klarna
• Lisa
• Lombard
• Once
• OxiPay (replaced with Humm)
• PayPal Credit
• POLi Pay

Personal Loans

Depending on your needs, an Australian personal loan may be a better option for you as you can spend money from a personal loan on anything you want. Use money from a personal loan for a vacation, home improvement, medical bills, vehicle repairs or ever debt consolidation. Now Finance offers personal loans ranging from $5,000 to $40,000. Applications take under 10 minutes, and you can have the funds in your account within two hours! Repayment plans range from 18 months to 7 years. Get your rate now without affecting your credit score.