Buy Now, Pay Later
Flexible Payment Options to Suit Your Budget
We know wedding planning can be both exciting and expensive. That’s why Gem's Wedding Supplies offers trusted Buy Now, Pay Later (BNPL) options to help you manage your purchases with more flexibility — without delaying your dream day.
Whether you’re shopping for wedding décor, party supplies, or gifts, you can choose to split your payment into instalments and pay over time with eligible BNPL services.
Why Choose Buy Now, Pay Later?
- Easy to Use – Select your preferred BNPL option at checkout and follow the simple steps.
- Budget-Friendly – Spread the cost of your purchase over multiple payments.
- No Interest (if paid on time) – Most options are interest-free when you stick to your repayment schedule.
- Get It Now – Your order is shipped out as usual, while you pay it off over time.
BNPL is a form of credit and fees may apply. Always read the full terms and conditions from your chosen provider before proceeding.
How It Works
- Shop: Add your favourite items to your cart.
- Checkout: Choose Afterpay, Zip, or PayPal Pay in 4 as your payment method.
- Apply: Complete the application process with the provider.
- Approval: Approval is subject to each provider’s assessment criteria.
- Receive & Repay: Your order is sent out right away, and you repay in instalments as scheduled.
BNPL Providers We Offer
- Afterpay – Pay in 4 interest-free instalments, every two weeks.
- Zip Pay – Flexible repayments, with a monthly account fee that may be waived.
- PayPal Pay in 4 – Split your purchase into four interest-free payments.
Each provider has its own eligibility criteria, credit assessment policies, and terms.
Important Information to Know
- Credit Checks: BNPL providers may perform credit checks or assess your financial situation before approval.
- Fees: Late fees, monthly account fees, and other charges may apply depending on the provider and your repayment history.
- Suitability: BNPL products may not be suitable for everyone. Consider your personal financial situation before proceeding.
Frequently Asked Questions
Do I need a good credit score to use BNPL?
Eligibility varies. Some providers may conduct a soft or full credit check and assess your ability to meet repayments.
What happens if I miss a payment?
You may be charged a late fee, and it may affect your ability to use BNPL in the future. Always follow your repayment schedule.
Can I pay off my balance early?
Yes. All our listed BNPL partners allow early repayments without penalties.
Terms You Should Know
Zip Pay: Minimum monthly repayments are required. A monthly account fee of $9.95 applies and is subject to change. Pay your closing balance in full by the due date each month and we'll waive the fee. Available to approved applicants only and subject to completion of satisfactory credit assessment. Other charges may be payable. Fees and charges subject to change. T&Cs apply. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878. View full Zip terms
Afterpay: Late fees, eligibility criteria and T&Cs apply. Australian Credit Licence 527911 View full Afterpay terms
PayPal Pay in 4: Available to eligible customers. Subject to approval and terms. Fees and conditions may apply. View full PayPal terms
Shop Now, Pay Later — With Confidence
Buy what you need now and pay over time with one of our trusted BNPL options. Enjoy the flexibility and confidence of shopping with Gem’s Wedding Supplies — without the stress.
BNPL is a credit product. Consider whether it’s right for you and read the relevant product terms and conditions. If you’re experiencing financial hardship, contact your BNPL provider for support or visit moneysmart.gov.au.