Spirit Island

Offer 1

AFTERPAY - Shop Now, Pay Later, Interest-Free

Promotion Terms

1. How does Afterpay work?

When you use Afterpay, you pay for your items in 4 equal instalments over 6 weeks, without incurring any interest. You pay for the first instalment of 25% at the time of purchase, and the remaining three instalments will be automatically deducted from your nominated debit or credit card over the following six weeks..

2. How do I use Afterpay?

Just shop paylateralligator.com.au and checkout as usual. At checkout, choose Afterpay as your payment method. You will be directed to the Afterpay website to register and provide payment details (Visa or Mastercard). If you’ve used Afterpay before, just log into your Afterpay account. Then complete your order -- it’s that easy Please note, that all items in your shopping bag must be eligible for Afterpay, and the order value must be between $35 and $1000.

3. Is Afterpay really interest-free?

When you pay in 4 instalments, it’s always interest-free, and there are no late fees as long as you pay on time. If you do miss a payment, you will incur a late fee and you won’t be able to buy or book anything else with Afterpay until you settle your account. But no interest.

4. How can I avail of this offer?

There are no other special steps to avail of this offer. Just go through the normal purchase process and select “AFTERPAY” as a payment provider to pay & avail of the offer.

Offer 2

ZIPPAY - Zip Now, Pay Later

Promotion Terms

1. Zippay

• Spend limits start at Up to $350 - $1000* for new customers(It Will Increase upto $2000 Based on Good Behaviour)
• Flexible Repayments - From Just $10 A Week (Repay $10 Weekly, $20 Fortnightly, Or $40 Monthly)

2. Zipmoney

• Spend limits start at Up to $1000-$5000* (Apply Through Zip Merchants for Upto $50,000)
• Flexible Repayments - From $40/month or 3% of balance owing. Whichever is greater (Set a repayment schedule that suits you.)

How can I avail of this offer?

There are no other special steps to avail of this offer. Just go through the normal purchase process and select “ZIPPAY” as a payment provider to pay & avail of the offer.

Comparison Features

Bundle purchases into weekly, fortnightly or monthly repayments
Tap to pay instore, everywhere Visa is accepted
Interest free period	Interest Free Always	3 Months to 5 Years
Credit Limit	350-$1000 (It Will Increase upto $2000 Based on Good Behaviour)	$1000-$5000 (Apply Through Zip Merchants for Upto $50,000)
Flexible Repayments	From Just $10 A Week (Repay $10 Weekly, $20 Fortnightly, Or $40 Monthly)	From $40/month or 3% of balance owing. Whichever is greater (Set a repayment schedule that suits you.)
Establishment fee	$0	$0-$99 One off fee based on approved credit limit may apply.
Monthly account fee	$7.95 Waived if you pay your statement closing balance in full by the due date.	$7.95 Waived if nothing owing.

Offer 3

Lay Buy - Pay it in 6, interest-free. Easy

Promotion Terms

1. Buy now, pay later in 6

Never pay the full price at checkout again. Pay 1/6 today and the rest over five weeks.

2. Is Laybuy really interest-free?

The best part about Laybuy? We never charge any interest or fees when payments are made on time. That's right, you can pay later without paying a cent extra.

When a payment is missed, we'll notify you instantly through email and push notifications (keep these turned on!) and give you 24 hours to make a payment before any late fees are applied to your account.

3. How can I avail of this offer?

There are no other special steps to avail of this offer. Just go through the normal purchase process and select “LAYBUY” as a payment provider to pay & avail of the offer.

Offer 4

HUMM - THE BIGGER BUY NOW PAY LATER OPTION.

Promotion Terms

1. WHAT IS HUMM?

Humm helps everyday Australians Buy Now Pay Later. Their payment plans are great value because Humm customers pay no interest ever.

2. How can I avail of this offer?

There are no other special steps to avail of this offer. Just go through the normal purchase process and select “HUMM” as a payment provider to pay & avail of the offer.

Comparison Features

Offer 5

Wizit - The Three Ways To Pay Wherever You Want

Promotion Terms

1. How can I avail of this offer?

There are no other special steps to avail of this offer. Just go through the normal purchase process and select “WIZIT” as a payment provider to pay & avail of the offer.

2. WizitPay

Wizit Pay is a Popular BNPL or Buy Now Pay Later Payment Option that allows Users To Shop Now Online and pay Later in Four Easy Installments Over 6 Week Period Which is Like Wizpay.

It Offers Up To $500 To Shop Online with its Online Retailers Across Australia with Zero Interest For Your 4 Fourtnighly Instalments. But Remember That If you don't Repay the full balance before the end of the month then it Will Take around $5 as an Account Fee Per Month.

3. WizitCard

Wizit Card is not a Usual Credit Card It is a Credit Card But It Has Some advanced features, It is a digital debit card so you can easily pay anywhere and anytime you want For Your Shopping or Purchase Online or Offline Stores.

In Wizit Card The Spending Limit Is up to $1000 and the amazing thing is that it won't charge anything you spend or shop up to the limit of $1000. It's Only Charged $19 Monthly as Account Keeping Fee, While You Are Using The Card Or You Have An Pending Balance Otherwise It Won't Charge Anything.

Also, If You Miss Out on The Repayment Dates Somehow, Then you will be Charged $1.00 Per Day As a Late Fee for the past Day From You and Around 10 Days Grace Period Also Applies for This Amount, which is capped at $100 per rolling 12-month period.

You Can Easily Use a WizIt Card With Apple Pay & Google Pay To Hassle-free Pay at any offline store as well.

4. PowerUp

When You Have PowerUp From WizIt, You Don't Need To Take A Loan From Bank Because PowerUp Has Come Up With The $30,00 Spending Limit with an interest Range From 19.9% to 47.8%.

PowerUp Has The Capacity To Lend Up To $30,000 making it one of the most popular BNPL Service Providers in Australia.

By Using PowerUp You Can Do Many Things Like With The Help Of PowerUp You Can Go On a Luxurious Holiday or You Can Buy The Expensive Things That You have Always Dreaming Of.

You Can Use PowerUp To Charge Your WizIt Card OR You Can Directly Transfer The Money Into Your Bank Account.

Offer 6

Klarna - Flex your payments. Pay in 4 with zero interest.

Promotion Terms

There is no predefined spending limit when using Klarna. Instead, a new automated approval decision about how much you can spend with us is made each time.

1. How does Klarna work as a payment option?

Klarna offers a 'Buy Now, Pay Later' service, allowing you to make purchases and pay for them in installments. Simply select Klarna at checkout, provide some information, and enjoy your purchase while spreading the payments over time.

2. What are the benefits of using Klarna for payments?

Klarna provides flexibility, convenience, and financial control. You can split payments into manageable installments, enjoy interest-free periods, and experience a seamless checkout process with Klarna's quick approval and minimal information required.

3. Are there any fees or interest charges with Klarna?

Klarna offers interest-free installments, but late fees may apply if you miss a payment. It's important to review the terms and conditions for each purchase to understand the specific payment terms and potential fees.

4. How do I manage my Klarna account and payments?

You can easily manage your Klarna account through their app or website. Track your payments, view upcoming due dates, make additional payments, or update your payment method - all from the convenience of your device.

5. What happens if I want to return a product I purchased with Klarna?

If you need to return an item, follow the merchant's return policy. Once the return is processed, Klarna will update your payment schedule accordingly and issue a refund if applicable.

Offer 7

Paypal - Pay in 4 with no interest and no late fees.

Promotion Terms

Split your payments over 4 instalments over 6 weeks

• No interest charged
• No Sign Up or Interest Fees
• Backed by PayPal (Buyer Protection)