Take the stress out of shopping with our various buy now, pay latter services. We have partnered with Afterpay, Humm and LayBuy to provide a range of buy now, pay later options. 

Afterpay FAQ

We’ve partnered with Afterpay to give you the opportunity to no just pay later, but pay better on all purchases. Purchase with Afterpay by selecting ‘Afterpay’ as your payment method at checkout and entering in your existing Afterpay account details or registering for a new Afterpay account. 

When paying with Afterpay, your first installment will be processed at the time of purchase. There is no minimum purchase requirement to use Afterpay, however maximum transaction limits apply to your Afterpay account which may vary from time to time. You can check your personal transaction limit by logging into your Afterpay account. Afterpay may require ID Verification to use Afterpay as a payment option. For more information on this process please visit the Afterpay Website.  

Please note, Afterpay may impose late payment fees if you are unable to make a payment by the scheduled date. Late payments currently incur a $10 late payment fee, with an additional $7 fee where a payment remains outstanding for a total period of 7 days. If you have any questions in relation to fees, payments or your Afterpay account, please contact Afterpay directly, as Koskela are unable to assist with enquiries relating to fees or accounts. 

For full details on registering for an Afterpay account, including eligibility and other terms and conditions, please visit the Afterpay website. 

Humm FAQ

We’ve partnered with Humm to allow our customers to Buy Now Pay Later for those big purchases too. Spend from $1 to $30,000 and repay up to 12 months, always interest free. 

Purchase with Humm by selecting ‘Humm; as your payment method at checkout and entering in your existing Humm account details or registering for a new Humm account. 

When paying with Humm for an order $2000 or under, your first payment requires a 20% deposit at time of purchase. You have the freedom to repay this over 2.5 months with $0 fees or 5 months with a $8/month fee. 

When paying with Humm for an order up to $30,000, your first payment requires a 20% deposit at time of purchase. You have the freedom to repay this over 6-60 months with fees between $35-90 per month, depending on the value of your purchase.  

Please note the repayment amount does not include a Monthly Fee of $8 which applies to payment plans 5 months or greater, for both 'Little things' and 'Big things'. Only a single monthly fee will be charged regardless of the number of active payment plans you have. For 'Big things' purchases, an establishment fee of $35 - $90 will also apply if you are new to humm or a $22 additional purchase fee if you've used humm before. A Bill Transaction Fee of $2 applies to all BPAY transactions and will be collected with the first payment. This fee will not apply to any other type of purchase. 

Humm may impose late payment fees if you are unable to make a payment by the scheduled date. Late payments currently incur a $6 late payment fee. 

For full details on registering for a Humm account, including eligibility and other terms and conditions, please visit the Humm website. 

Laybuy FAQ

We’ve partnered with Laybuy to offer you a simple interest free payment plan that lets you secure your purchase today and pay for it in 6 equal payments, once a week for 6 weeks. 

Laybuy performs a credit check to obtain a credit score on all new users upon registration. Once your credit score has been confirmed and your account has been verified, Laybuy assigns your Laybuy limit and you can begin shopping immediately. 

The first payment equal to one sixth of the purchase price occurs once your order is completed. The remaining 5 payments are processed each week on the day of the original purchase from your nominated card. No further action is required and all account information including a payment schedule can be viewed, at any time, through your Laybuy account. 

To pay using Laybuy, select Pay by Laybuy at checkout. Login or sign up and complete your order. Choose your payment day, view your schedule and select pay now to complete your order.  

For full details on registering for a Laybuy account, including eligibility and other terms and conditions, please visit the Laybuy website.