Ask a friend who uses Afterpay for their invite link or code; Afterpay's U.S. Refer Terms limit sharing to friends, acquaintances and family, so there is no public code to post.
Create your Afterpay account through the invite (18+, U.S. billing address and payment method), or enter the code under My Afterpay, then Promos.
Complete your first Afterpay purchase of $50 or more online: the $15 credit applies across that purchase's four payments, and your friend receives $15 toward their next $50+ purchase.
Don't miss this: The credit is one-time use, expires 90 days after it is issued, cannot be combined with other Afterpay promotions, and works on online purchases only (not in store, not cross-border). The program is capped at 5 successful referrals per customer ($75 total) and is not available to residents of CT, MD, NE, RI, TX or ND. If the purchase is returned, Afterpay may recover the credit's value.
When you get your bonus through our link, the app also pays us a referral reward. It costs you nothing, and it's how we keep this site free. Checked October 30, 2026.
✓ Last verified October 30, 2026U.S. readersNext review October 26, 2026
Your next step
How to qualify for the Afterpay offer
Afterpay's Invite a Friend program (U.S. Refer Terms and in-app screens, Oct 30, 2026): a new customer who joins through an existing customer's personal link or code and completes a first Afterpay purchase of $50 or more (tax and shipping included) receives a $15 Referral Credit, and the referrer receives $15 when that purchase completes. Afterpay's terms restrict codes to friends, acquaintances and family and bar publishing them in any public place, so this site documents the program and links to the official site rather than posting a code.
Download the Afterpay app or choose Afterpay at a partner checkout and create an account (18+, U.S. billing address, payment method and mobile number).
At checkout, Pay in 4 splits the total into four equal payments over six weeks; the first is typically due at purchase, and approval is decided per order.
Payments auto-charge every two weeks; pay on time and the plan costs exactly the purchase price, nothing more.
One-time use; cannot be combined with other promotions; online purchases only (not in store, not cross-border); capped at 5 referrals ($75) per customer; program unavailable in CT, MD, NE, RI, TX and ND; codes may not be published publicly under the U.S. Refer Terms.
Link: https://financeappradar.com/go/afterpay. We do not publish an Afterpay referral link: Afterpay's U.S. Refer Terms say the unique Referral Code is generated in the app to share only with friends, acquaintances or family, and that it may not be published in any public place, whether online or otherwise. Our link opens Afterpay's official site with nothing attached and earns us nothing. If someone you know already uses Afterpay, ask them for their invite to get the new-user bonus. Current offer context: Invite a Friend: a new customer gets $15 off a first $50+ purchase and the referrer gets $15 off a future $50+ purchase. Requirement: Join through a friend's invite and complete a first purchase of $50 or more.
Afterpay is the buy now, pay later app that made Pay in 4 a checkout standard: four interest-free payments over six weeks, no cost when you pay on time, and per-order approval with limits that start low. Its Invite a Friend program pays $15 off a $50+ purchase to both sides, and its U.S. Refer Terms are unusually blunt about sharing: the code is for friends, acquaintances and family only, and may not be published in any public place. This review documents the program completely and links to the official site; the honest way to get the $15 is an invite from someone you know.
The offer below is quoted from Afterpay's own terms on the date shown. Nothing here guarantees a bonus or approval.
Best use case
BNPL Invite a Friend $15 credit, personal codes only
Who should use it
Shoppers who want to split planned purchases at partner stores without a credit card
Main drawback
The referral credit is small, capped at 5 friends per customer, expires 90 days after issue, and cannot be used in store
Important limitation
One-time use; cannot be combined with other promotions; online purchases only (not in store, not cross-border); capped at 5 referrals ($75) per customer; program unavailable in CT, MD, NE, RI, TX and ND; codes may not be published publicly under the U.S. Refer Terms.
Download the Afterpay app or choose Afterpay at a partner checkout and create an account (18+, U.S. billing address, payment method and mobile number).
At checkout, Pay in 4 splits the total into four equal payments over six weeks; the first is typically due at purchase, and approval is decided per order.
Payments auto-charge every two weeks; pay on time and the plan costs exactly the purchase price, nothing more.
For the referral: join through a friend's invite or enter their code under My Afterpay, then Promos, and complete a first purchase of $50 or more online.
Both sides then hold a $15 Referral Credit toward a $50+ purchase; credits expire 90 days after issue.
Current Afterpay offer details
Current offer
Invite a Friend: a new customer gets $15 off a first $50+ purchase and the referrer gets $15 off a future $50+ purchase.
What you must do
Join through a friend's invite and complete a first purchase of $50 or more.
When it posts
The new customer's credit applies to the first $50+ purchase; the referrer's credit arrives when that purchase completes. Credits expire 90 days after issue.
Key limitation
One-time use; cannot be combined with other promotions; online purchases only (not in store, not cross-border); capped at 5 referrals ($75) per customer; program unavailable in CT, MD, NE, RI, TX and ND; codes may not be published publicly under the U.S. Refer Terms.
Afterpay eligibility and availability
Afterpay's Pay in 4 is a form of credit provided by Afterpay US, Inc. (part of Block, Inc.): it does not charge interest, but missed payments can incur capped late fees and reduced limits, and some users can be offered interest-bearing Pay Monthly plans instead. Only split purchases you could pay for in full today, and keep track of overlapping plans.
Afterpay referral FAQ
What is the current Afterpay new-user offer?
Invite a Friend: a new customer gets $15 off a first $50+ purchase and the referrer gets $15 off a future $50+ purchase. Requirement: Join through a friend's invite and complete a first purchase of $50 or more.
Do I need to type a Afterpay code?
Only if someone you know invites you. Afterpay's U.S. Refer Terms say the unique Referral Code is generated in the app to share only with friends, acquaintances or family, and that it may not be published in any public place, whether online or otherwise. We therefore do not publish one; ask a friend who uses Afterpay for their invite.
