How to Get Cash With Afterpay

In the bustling realm of modern financial services, innovative methods of managing and accessing money have transformed the consumer experience. One such groundbreaking service is Afterpay, which has redefined the concept of buy-now, pay-later to the delight of shoppers worldwide. Imagine snagging that coveted item without the immediate fiscal pinch and with the added benefit of a spread-out payment plan. But did you know that this convenient tool can also give you access to cold, hard cash? Yes, Afterpay isn’t just for snagging deals online. Let’s dive into a comprehensive guide that reveals how to unlock the full potential of Afterpay, making your wallet and shopping experience more flexible than ever.

how to get cash with afterpay

Afterpay Card

Used mainly for in-store purchases, the Afterpay card is a digital wallet-enabled card that brings the convenience of Afterpay to physical retailers. With the Afterpay card, you can split the cost of your purchase into four equal installments, paid every two weeks.

  1. Download the Afterpay app from the Google Play Store or Apple App Store.
  2. Sign up or log into your Afterpay account.
  3. Tap on the ‘Card’ tab and follow the prompts to set up your Afterpay card.
  4. Add your Afterpay card to your digital wallet – this could be Apple Wallet or Google Pay.
  5. To use the Afterpay card, simply unlock your phone and hold it near the contactless reader at participating stores.
  6. Your purchase amount will be split into four payments, with the first installment usually required at the time of purchase.

Summary: The Afterpay card is a powerful tool for in-store purchases, allowing for immediate gratification with the benefit of installment payments. However, keep in mind that not every retailer accepts it, and responsible spending is crucial to avoid financial strain due to accumulated purchases.

Payment Reschedule

There might be times when you need cash for an unexpected emergency and are considering delaying an Afterpay installment to free up some funds. Rescheduling a payment can offer temporary relief.

  1. Access your Afterpay account via the app or website.
  2. Navigate to the ‘Orders’ tab and select the order you wish to reschedule.
  3. Click or tap on ‘View Order’ to find the payment schedule.
  4. Choose the ‘Payment Date’ you want to amend.
  5. Follow the prompts to select a new date, keeping in mind the limitations and potential fees.

Summary: Rescheduling a payment with Afterpay is an option if you need a bit more time to make your installment, but it might incur additional costs. This method can be a financial breather but remember that it’s not a long-term solution for cash flow issues.

Refunds on Returns

If you’ve purchased items with Afterpay but decide to return them, the refund process can indirectly result in accessing cash.

  1. Check the retailer’s return policy to ensure items purchased with Afterpay are eligible for return.
  2. Follow the store’s procedure for returns, either in-person or by shipping back the item.
  3. Once the retailer processes the return, they will communicate with Afterpay to issue a refund.
  4. Afterpay will then adjust or cancel your payment schedule accordingly, and any payments already made will be refunded to your original payment method.

Summary: Leveraging refunds on returns can provide you access to cash, essentially reversing a previous expenditure. However, this is contingent on the store’s return policy, and the process could take time before you see the funds back on your card.

Selling Unused Items

Instead of just accumulating items, consider converting those unused purchases into cash.

  1. Identify unused items bought with Afterpay that are in good condition.
  2. Use online marketplaces like eBay, Facebook Marketplace, or local selling apps to list your items.
  3. Price the items fairly, considering their condition and original cost.
  4. Once the item is sold, you can use the cash as needed and continue paying off your Afterpay installments as usual.

Summary: Selling items can be a proactive way to raise cash while still honoring your Afterpay commitments. This action not only declutters your space but also reinforces responsible spending habits. The downside is it requires time and effort to list and sell the items, and there’s no guarantee of immediate sale.

Budgeting With Afterpay

Integrating Afterpay into your budget can mitigate the risk of overspending and help keep track of your cash flow.

  1. Create a monthly budget that includes your essential expenses and discretionary spending.
  2. Consider your Afterpay payments as part of your fixed expenses for the budgeting period.
  3. Keep track of your installments due dates and amounts, aligning them with your income schedule to ensure you have enough cash on hand.
  4. Use Afterpay’s app to monitor your upcoming payments to stay on top of your budget.

Summary: Budgeting with Afterpay can help ensure that you’re using the service within your means, preventing unexpected cash shortages. While this requires discipline and planning, it helps to avoid the pitfall of overspending that could lead to financial challenges.

Cashback and Rewards Programs

Some cashback and rewards programs offer the option to redeem points for cash or apply cashback directly to your account, which can then cover Afterpay installments.

  1. Participate in cashback or rewards programs that link to your credit or debit card.
  2. Use your linked card to make Afterpay payments.
  3. Accumulate points or cashback through these programs when making regular purchases.
  4. Redeem the rewards for cash or statement credits, which can then offset your Afterpay payments.

Summary: This method requires involvement in rewards programs and consistent usage over time to accrue significant benefits. While it’s an indirect way to ‘earn’ cash through savvy shopping, it depends on your spending habits and the specifics of the programs you’re enrolled in.

Afterpay with Debit Instead of Credit

Using a debit card with Afterpay instead of a credit card can help manage your finances by ensuring you’re using money you actually have.

  1. Link a debit card, rather than a credit card, to your Afterpay account.
  2. When you make a purchase with Afterpay, the installments are drawn from your bank account.
  3. This ensures that you’re using your existing funds and helps avoid falling into credit card debt.
  4. Keep track of your bank account balance to ensure you have adequate funds to cover your payments.

Summary: This approach helps manage spending by using real funds, reducing the temptation to spend money that isn’t readily available. It requires careful monitoring of your bank account to avoid overdraft fees and could limit your flexibility compared to using credit.

Financial Planning and Saving

Incorporating Afterpay payments into your overall financial plan and saving strategy is a disciplined way to manage cash flow.

  1. Assess your financial goals and integrate Afterpay payments into your long-term plans.
  2. Consider setting aside savings regularly to cover your Afterpay installments or to build a reserve fund.
  3. Regularly reviewing your financial plan helps you avoid overspending with Afterpay and ensures you maintain a healthy cash reserve.

Summary: This practice fosters financial discipline and helps in building a buffer that can absorb Afterpay payments without affecting your cash flow significantly. However, it requires foresight and consistent financial planning, which might not be suitable for everyone’s financial situation.

Contacting Afterpay for Assistance

If you’re facing financial hardship, reaching out to Afterpay’s customer service for assistance can be a worthwhile step.

  1. Contact Afterpay directly via their app, website, or customer service hotline.
  2. Explain your situation honestly and ask about any financial hardship services they may offer.
  3. They might provide solutions like extending your payment schedule or waiving late fees.

Summary: Afterpay may assist customers facing genuine hardships, so this line of communication could prove beneficial. However, the options available will vary and are at Afterpay’s discretion.

Using Afterpay Wisely

Understanding the terms and conditions of Afterpay can prevent misuse and financial strain.

  1. Thoroughly review Afterpay’s user agreement and familiarize yourself with their policies.
  2. Use Afterpay for essential items or purchases you’re certain you can pay off in time.
  3. Avoid impulse purchases just because Afterpay makes it convenient to buy now.

Summary: Knowledge is power—understanding how Afterpay works enables you to use it responsibly, maintaining your financial flexibility without leading to unnecessary debt.

Afterpay is a tool designed to provide convenience and manageability in how we shop and spend. However, it is crucial to remember that it should be used wisely and as part of a broader financial strategy. Just like any financial tool, when used responsibly, it can enhance our purchasing power and help us manage cash flow more effectively. Always make purchases within your means, plan ahead, and you’ll find that Afterpay is an ally—not an adversary—in your financial journey.

In conclusion, exploring the various methods of managing your finances with Afterpay reveals a versatile landscape of options, each with its unique set of steps and considerations. By understanding the array of strategies available, from leveraging returns to integrating Afterpay into your budgeting or speaking directly with Afterpay during tough times, you can navigate your finances with more confidence. While Afterpay offers the convenience of staggered payments for purchases, its benefits are maximized when used with foresight and financial prudence. As we’ve seen, there’s more to it than simply postponing payments—proper use of Afterpay can contribute to a balanced financial life.


  1. Can I directly withdraw cash from my Afterpay account?
    No, Afterpay doesn’t provide a direct way to withdraw cash from your account. Instead, Afterpay facilitates purchases that you pay off over time in installments.

  2. Is there any interest or fees associated with using Afterpay?
    Afterpay does not charge interest on its installment plans. However, late fees may apply if you miss a payment. Be sure to read their terms and conditions for detailed information.

  3. What happens if I can’t make an Afterpay payment on time?
    If you are unable to make a payment on time, it’s best to contact Afterpay’s customer service as soon as possible. They may have options to help you, such as adjusting your payment schedule. Failing to communicate may result in late fees and affect your ability to use Afterpay in the future.

Larry R. Jimenez
I'm the senior editor of I help people solve their computer problems and recommend reliable products. My area of expertise includes electronic or hardware products, Windows, Mac, and application tricks. I'm active in the various online tech communities where he provides help for new computer issues as they are released.

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