$15 off a $50+ purchase, for you and the friend who invites you
Invite a Friend pays $15 off $50+ to both sides; codes are personal-only by Afterpay's own terms.
Claim bonusU.S. BNPL hub
Best buy now pay later apps in the U.S.
Choose a buy now pay later plan around a purchase you could already afford in full. Compare the total cost when a payment is missed, not just the four easy installments; Afterpay charges no interest on Pay in 4 when you pay on time, caps its late fees, and can charge interest on Pay Monthly, so the decision is which of those terms you are actually accepting.
Sign-up bonuses in this hub
Some links can earn us a referral reward when you complete the provider's requirements. Official links without a referral earn us nothing. It never changes a score. How we make money · Every offer side by side: Offer Data Index
Our take
Pay in 4 is credit. Treat it like credit.
Afterpay splits a purchase into four payments over six weeks, and when every payment lands on time the plan costs exactly the purchase price: no interest, no fees. The price list lives in the misses. A late Pay in 4 payment can draw a fee after a grace period, with total late fees capped at 25% of the order value, and the separate Pay Monthly product can charge interest that is shown before checkout.
Used for a planned purchase you could pay for today, Pay in 4 can beat carrying a credit card balance. Used to make an unaffordable thing feel affordable, it turns into a stack of due dates across several checkouts at once.
One rule covers most of the risk: never run more than one plan at a time.
How we picked:
- Total cost shown before you accept
- Late-fee rules published
- Clear credit-check policy
- Works for U.S. purchases
Find the right page
Best starting points.
Match what you want to do with the app that fits it best.
| Intent | Start here | Why |
|---|---|---|
| Pay in 4, interest-free when paid on time | Afterpay | Four payments over six weeks at thousands of U.S. retailers; approval is per order and limits start low. |
| A referral credit worth having | Afterpay Invite a Friend | $15 off a $50+ purchase for both sides. Afterpay's terms keep codes between people who know each other, so there is no public code; the review documents the program in full. |
| The fee traps, in print | Read before you split | Pay in 4 late fees are capped at 25% of the order value, and Pay Monthly can charge interest. Both are spelled out in the review's verified terms. |
U.S. picks
Tools linked from this hub.
Each pick links to its full review first; offer buttons open the app's own sign-up page through our referral link.
U.S. pick 1
Afterpay
Afterpay is the BNPL benchmark for a reason: Pay in 4 genuinely costs nothing when every payment is on time, approval happens per order with limits that start low, and the referral terms are published in full. The costs live where the terms say they live: late fees on missed Pay in 4 payments (capped), interest on Pay Monthly plans, and a referral credit that is small ($15), capped at five friends, and gone in 90 days. Used for planned purchases you could already afford, it is a fair tool; used to stretch a budget, it is four small debts instead of one.
CategoryBuy Now, Pay Later
You get$15 off a $50+ Afterpay purchase when someone you know invites you, with $15 for them too
RouteOfficial site (no referral)
Also looking for
Active code pages.
Questions about this list
Who is this page for?
For U.S. shoppers comparing buy now pay later options. BNPL is a form of credit or payment financing. Approval is not guaranteed, missed payments can cost money, and overuse can create financial stress. Our live BNPL coverage currently reviews Afterpay in depth.
Are these bonuses guaranteed?
No. Offers, eligibility, state availability, payout timing, and required actions can change. Always confirm the official terms before signing up.
How were these apps picked?
Each app has a full review with a score built from nine published factors, its current new-user offer checked against the company's own terms, and its main risks. We may earn a referral reward from some links; that is not a scoring factor.