How to Increase Spending Limit on Afterpay

Afterpay is a payment system designed to help shoppers buy something now and pay over time. The service covers a wide array of purchases including gifts, furniture, clothing, and gadgets.

Afterpay is quite popular, but some people are encountering some challenges, particularly when it comes to the spending limit. If you’re one of the customers who has exceeded the spending limit on Afterpay, you’re not alone. In this article, we will cover how you can increase your Afterpay limit so you can keep enjoying the benefits of this service.

What is Afterpay?

Afterpay is a “buy now, pay later” method that is gaining a lot of popularity among shoppers. With this service, you can spread your payments over four installments. Each payment is due every two weeks, so you make two payments per month. It’s a convenient way to manage your money while still getting what you need immediately.

Afterpay is fast becoming one of the most popular ways to buy things without using a credit card. The service is available in over 50,000 stores in the US, UK, Australia, and New Zealand. You can use it to purchase anything from clothes and shoes to furniture and electronics. One of the highlights of this payment system is the absence of interest charges and additional fees.

How the Afterpay Spending Limit Works

Like most credit systems, Afterpay has a spending limit. The spending limit is a cap on the total amount of money you can borrow. It is determined based on various factors, including your credit history and spending behavior. The spending limit is tailored to your creditworthiness, which is modified as you use the system in the future.

Once you hit your spending limit, you won’t be able to use Afterpay for that particular purchase or any future purchase. However, don’t worry, as there is a way to increase your limit. In the next section, we will cover how you can do this and how long it will take.

How to Increase Spending Limit on Afterpay

There are a few things you can do to help increase your Afterpay spending limit. These include:

1. Ensure Your Account is In Good Standing: Your Afterpay account should be in good standing before you request a spending limit increase. This means that you should have paid all outstanding balances and dues on time.

2. Wait for Time to Pass: If you have just started using Afterpay, you may need to wait a while before you can request a spending limit increase. The longer you use the service and pay back your debt on time, the more likely you will be approved for a higher spending limit.

3. Communicate With Afterpay: If you need to exceed your spending limit for a one-time purchase, reach out to Afterpay by email or phone. Explain your situation and they may consider increasing your limit for that specific purchase.

4. Be a Responsible Borrower: One of the best ways to get your spending limit increased over time is to be a responsible borrower. This means paying your balances on time, not over-extending your credit limits, and keeping your account in good standing.

5. Apply for Afterpay’s VIP Program: If you consistently use Afterpay and make timely payments, you may become eligible for their VIP program. The program provides access to higher spending limits, exclusive discounts, and other perks.

How Long Does it Take to Increase Spending Limit on Afterpay?

Increasing your Afterpay spending limit can take time. It all depends on how long you have been using the service, how often you have been paying your balances on time, and your overall creditworthiness. There is no standard timeline as each person’s financial situation is unique.

Sometimes, Afterpay will automatically increase your limit as you continue to demonstrate responsible borrowing behavior. However, if you don’t see an increase in your limit after some time, you should contact Afterpay’s customer service for further assistance.


In conclusion, increasing your Afterpay spending limit is possible with the right approach. You can follow the steps outlined in this article to help increase your limit over time. It’s important to pay your balances on time, be responsible, and communicate with Afterpay when necessary.

If you are struggling to increase your limit, Afterpay deposited 20000 naira into my virtue account on the 22nd of this month, but up till now, the money has not been reflected customer service can help.

They can provide more guidance and advice depending on your situation. Remember, it takes time to build a good credit score, but with patience and perseverance, you can increase your Afterpay spending limit.

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