Using Afterpay at iPowerResale

iPowerResale offers Afterpay at checkout so eligible customers can buy Apple devices now and pay over time, subject to Afterpay’s approval criteria and terms. There is a maximum order limit of 4,000 USD when using Afterpay on our site, and this limit includes product price, shipping, and estimated taxes.

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What is Afterpay?

Afterpay is a “buy now, pay later” service that lets you spread qualifying purchases over multiple scheduled payments instead of paying the full amount upfront. When you select Afterpay at checkout on iPowerResale, you are redirected to Afterpay to sign up or log in, and Afterpay issues an instant approval decision for that order based on its own criteria.

Afterpay manages your repayment schedule and automatically charges your saved payment method on the due dates listed in your Afterpay account, while iPowerResale is paid by Afterpay shortly after you complete your purchase.

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Payment options: Pay in 4 vs Pay Monthly

In the U.S., Afterpay may present you with one or both of these options at checkout, depending on your cart total, category, and eligibility, provided your total order amount (including tax and shipping) does not exceed 4,000 USD:

• Pay in 4 (Pay over 6 weeks)
  The total is split into four equal installments, generally with the first payment due at checkout and the remaining three payments charged every two weeks over about six weeks.
  Pay in 4 is advertised as interest-free; you pay only your purchase amount, plus any applicable fees charged by Afterpay if you miss payments, as described in your Afterpay Installment Agreement.
• Pay Monthly (6–24 month installment loan)
  For higher-value purchases within the 4,000 USD limit, Afterpay may offer a Pay Monthly installment loan, typically for orders within certain ranges determined by Afterpay.
  Pay Monthly is a simple-interest loan with a fixed term (for example, 6, 12, or up to 24 months), no late fees or origination fee, and an APR determined by factors such as your credit profile and prior Afterpay payment history; details and total finance charge are shown in your Loan Agreement and Truth in Lending Disclosure before you confirm.

The exact options, terms, and availability you see at checkout are determined solely by Afterpay, not by iPowerResale, and may change over time.

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How to use Afterpay on iPowerResale.com

Using Afterpay on iPowerResale is straightforward; just make sure your full order total (items + shipping + estimated tax) is 4,000 USD or less:

1. Add products to your cart
   Browse iPowerResale for open-box and refurbished Apple products and add your selected devices to the shopping cart; eligible product pages and cart views may display messaging such as “Shop now, pay later with Afterpay” when Afterpay is available.
2. Proceed to checkout and choose Afterpay
   At checkout, enter your shipping and contact information as usual, then select Afterpay as your payment method from the list of available payment options.
   If your full order total (including shipping and tax) exceeds 4,000 USD, Afterpay will not be available as a payment method and you will need to adjust your cart or choose another payment option.
3. Create or log into your Afterpay account
   New customers create an Afterpay account and provide a valid payment method (such as a debit or credit card) for automatic installments; returning customers simply log in.
   Afterpay runs its own real-time risk and eligibility checks and may approve or decline the order according to its policies; iPowerResale cannot influence this decision.
4. Review and confirm your plan
   Afterpay presents the repayment schedule and, where applicable, the APR, total finance charges, and key terms for your chosen option (Pay in 4 Installment Agreement or Pay Monthly Loan Agreement) before you confirm.
   You must review and agree to Afterpay’s Installment Agreement or Loan Agreement, as applicable, to complete your purchase with Afterpay.
5. Complete your order and receive your device
   Once Afterpay approves and you confirm, your order is completed on iPowerResale, and your devices are shipped according to our normal order processing and shipping timelines.
   Afterpay then handles all future installment billing directly with you; your ongoing payments do not pass through iPowerResale.

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Managing your Afterpay payments

After your iPowerResale purchase is confirmed, all aspects of your repayment are managed through Afterpay:

• You can log in to your Afterpay account at any time to view your upcoming payment schedule, update your payment method, or make an early payment.
• Afterpay automatically processes each installment on its scheduled due date and may bundle multiple Pay in 4 installments due on the same day into a single transaction if they use the same payment method.

If you have questions about approval decisions, rescheduling payments, applicable fees, your APR, or any other financing terms, contact Afterpay directly or review your Afterpay Installment Agreement or Loan Agreement; for questions about products, warranties, shipping, or returns of your iPowerResale order, contact the iPowerResale support team using the contact details on our website.