LatitudePay: A Buy Now, Pay Later Solution


Are you an Australian looking for a convenient way to purchase the products and services you need without having to pay upfront? If so, then LatitudePay might be a great option for you! LatitudePay is a buy now, pay later service that has been gaining popularity in Australia since its launch in 2019 and has already been used by over 2.6 Aussies. Let’s take a look at how it works and why it might be the perfect solution for your financial needs.

How It Works

LatitudePay allows customers to make purchases online or in-store without having to pay the full amount upfront. Instead, customers can spread their payments over 10 weeks with no interest or fees charged. This makes it easier for individuals to afford larger purchases without having to worry about putting too much of a strain on their wallet. You can also visit the Latitude website and use their budgeting calculator to get an idea of how much you can spend within your budget.

Benefits of LatitudePay

In addition to offering customers flexible payment plans, there are many other benefits associated with using Latitude Pay. First of all, there is no need for a credit card or bank account; all you need is an active email address and phone number to set up an account. Furthermore, setting up an account takes less than 5 minutes and your registration is approved instantly. This means that you can start making purchases right away! Finally, Latitude provides customers with 24/7 customer support as well as fraud protection so that they always have someone they can turn to if they have any questions or concerns about their purchase.

What Stores Accept LatitudePay At Checkout?

Below is a list of stores that we personally recommend with an option to pay with Latitude Pay at checkout to buy now, pay later by making payments.

List of LatitudePay Stores

List of LatitudePay Stores


LatitudePay+ is their new bigger buys plan that lets you shop for items up to $5000 and pay off the cost over 6 to 24 months. Unlike Latitude Pay where payments are weekly for smaller purchases up to $1000, payments for LatitudePay+ are monthly. Merchants may offer 6, 12, 18, and/or 24 month payment terms. There is no interest charged, but there is a $10 per month account keeping fee, but it’s only charged when the account is being used.

Latitude Credit Cards

Latitude does offer credit cards, but the application for them is separate from LatitudePay. Here are the credit cards options that are available to apply for:

  • Buyer’s Edge
  • Care Credit
  • CreditLine
  • Latitude 28° Global Platinum Mastercard
  • Latitude Eco Mastercard
  • Latitude Gem Visa
  • Latitude Go Mastercard
  • Latitude Infinity Rewards Visa
  • Latitude Low Rate Mastercard
  • Latitude Mastercard


Here are some frequently asked questions about this particular buy now pay later option. 

Q: Are there any fees associated with using Latitude Pay?
A: No. Latitude Pay does not charge any interest or fees for using their service.

Q: Is there a limit to how much I can purchase with Latitude Pay?
A: Yes. The maximum amount you can purchase with Latitude Pay is $1000.

Q: How long does it take to set up an account?
A: Setting up an account takes less than 5 minutes and your registration is approved instantly.

Q: Can you use Latitude pay anywhere?
A: Yes, Latitude Pay is accepted at both online and in-store retailers when you use a Latitude credit card. 

Q: What is the catch with Latitude Pay?
A: There is no catch with Latitude Pay. They simply provide customers with a convenient and flexible way to pay for the products and services they need.

Q: Does Latitude Pay do credit checks?
A: Their credit check system factors in your ability to repay, if the product is right for you, and other personal considerations.

Q: Does Latitude Pay have fees?
A: No, Latitude Pay does not charge any interest or fees for using their service.

Q: Is Latitude Pay the same as Afterpay?
A: No, Latitude Pay and Afterpay are two separate buy now, pay later services.

Other Australian BNPL Options

If you do not qualify for Latitude Pay, there are several other buy now pay later options to Australians. Here is a list of those financing options. The bolded ones are the BNPL methods that we recommend. You can click on the corresponding link for more information about that option. 


No matter what kind of product or service you’re looking for, Latitude Pay makes it easy and affordable for Australians like yourself to make those purchases without having to worry about breaking the bank. With its flexible payment plans, easy setup process, and fraud protection features, it truly is one of the best options out there when it comes to buy now pay later solutions! So if you’re in the market for something but don’t want to deal with the hassle of paying upfront—or if you just want more control over your finances—then consider signing up for a free Latitude account today! You won’t regret it!

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