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NAB Now Pay Later
Interest rate (p.a.)
Max. loan amount


With no interest and no late fees, NAB Now Pay Later allows customers to spread the cost of purchases over 4 fortnightly payments.

With NAB’s buy now pay later platform, you can shop anywhere VISA is accepted, both in-store and online, and spread the cost over 4 fortnightly payments. NAB Now Pay Later is available for spends up to $1,000 and is interest-free, meaning your money is going right where it’s supposed to. And, there are no fees for late repayments.

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How does NAB Now Pay Later work?

NAB Now Pay Later customers will be able to split their payments across 4 fortnightly payments. Unlike some other buy now pay later platforms which only allow you to use them with partnered providers, NAB Now Pay Later can be used in-store or online anywhere VISA is accepted.

You must have a NAB transaction account to be eligible and pass a repayment assessment when you apply. The first repayment is paid upfront from the account, with the remaining 3 payments due each fortnight. NAB Now Pay Later boasts no interest or late fees.

Features of NAB Now Pay Later

  • Simple assessment. You need to pass a simple repayment check when you apply.
  • No interest. There are no interest charges when using this service.
  • No minimum purchase amount. There's no minimum spend and you can spend up to $1,000.
  • Shop flexibly. There are no restrictions on where you can shop. Use NAB Now Pay Later anywhere VISA is accepted.
  • No late fees. If you make a late repayment, you won't be charged.
  • Pay flexibly. Within the app you can choose to make a repayment early.
  • Keep on track. The NAB app will send you notifications each fortnight to remind you of any upcoming payments.

Fees and charges

  • No fees. There are no late fees if you can't make your repayments on time.
  • No interest. You won't be charged interest on your spend.

How to apply for NAB Now Pay Later

To be eligible you will need to meet the following criteria:

To open a NAB transaction account you will need the following:

  • A passport, driver's licence or Medicare card
  • Be an Australian resident for tax purposes to apply online, or visit a branch if you are not an Australian resident for tax purposes

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