< $40 = $10 per order.
> $40 are capped at 25% of the original order value or $68.
< $65 = $6.
> $65 capped at 18% of the purchase or up to $48, whichever is lower.
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| Provider | PayPal Pay in 4 | Afterpay | Humm (Little Things) | Humm90 | ZIP Pay | ZIP Money |
| Purchase Limit | $30 - $1,500 | Dependant on how long you've been using Afterpay and on-time payment history. | $1 - $2,000 | $2,000 - $50,000 | $350 - $1,000 | $1,000 - $15,000 |
| Minimum Purchase | $30 | $1 | $1 | $2,000 | $350 | $1,000 |
| Interest Free Period | Always Interest Free | Always Interest Free | Always Interest Free | 12 Months Interest Free | Always Interest Free | 6 months Interest free |
| Set Up Fee | $0 | $0 | $0* | $99 | $0* | Once off establishment fee may apply |
| Minimum Repayments. | Four equal interest free repayments. | Four repayments over 6 weeks. | Choose between 5 or 10 weekly or fortnightly repayments. | 3.00% of the Eligible Unpaid Balance at the date of the statement; or $30.00. However, if the Eligible Unpaid Balance is less than $30.00, you must pay that amount in full. | Set you own schedule, repayments from $10p/w. | Set your own schedule, for purchases over $300 Zip Money will set up repayment schedule in equal instalments to help you avoid interest charges. |
| Payment Frequency | Fortnightly | Fortnightly | Weekly or Fortnightly | Monthly | Set your own schedule | Set your own schedule |
| Approval Process | Instant Approval | Instant Approval | Instant Approval | 10 Minute Digital Application | 10 Minute Digital Application | 10 Minute Digital Application |
| Monthly Account Fee | $0 | $0 | $0 on plans less that 5 months, $8 for plans over 8 months | $0** | 7.95^ | 7.95^^ |
| Late Fee | No late fees | Purchases: < $40 = $10 per order. > $40 are capped at 25% of the original order value or $68. |
Purchases: < $65 = $6. > $65 capped at 18% of the purchase or up to $48, whichever is lower. |
$35 | $5 | $15 |
| More Information | https://www.paypal.com/au/webapps/mpp/paypal-payin4 | https://www.afterpay.com/en-AU | https://www.shophumm.com/au/ | https://www.humm90.com/au/ or Please call Sumo Strength directly for more info. | https://zip.co/au | https://zip.co/au |