Stop The Buy Now Pay Later Cycle

Feeling stuck and relying on Buy Now Pay Later just to get by? Stop borrowing from next week to pay for today. We’ll give you a clear plan and real options to take control of your money.

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Free appointment | No long-term, lock-in contracts

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" MyBudget helped us pay off five credit cards and start saving for a home. "

Megan & Creagh | MyBudget Clients

In 2025, 24% of Australians are relying on Buy Now Pay Later and nearly 16% now rely on it monthly.
Roy Morgan, 2025

Escape the Buy Now Pay Later Trap

Buy Now Pay Later services like Afterpay, Zip and Humm can initially be convenient. But you can’t keep borrowing and going further into debt. Those multiple accounts, automatic deductions and sneaky late fees will catch up with you. MyBudget is here to help you get back in the driving seat with a simple, straightforward plan that works.

A budget that actually works

We'll help you hammer out a realistic budget that takes into account your income and expenses, remembering to factor in those BNPL repayments without using any more credit.

Sorting out the mess

If you've fallen behind or are feeling the weight of it all, we can go to bat for you and contact your BNPL providers to see if we can set up a payment plan that you can actually stick to.

Straightening out your debt

If things are really stacked against you, we can also look into consolidating those multiple BNPL debts into one manageable payment.

MyBudget helping Megan and Creagh create a sustainable personal budget by budgeting for household expenses in Australia.

See the benefits

Maximise your income by saving money on interest & charges
Pay off your credit card debt faster
Gain greater control of your money
Stop your reliance on credit
Get back on track.

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Buy Now Pay Later FAQs

Can’t find what you’re looking for? See more FAQs…

We work with you to put together a budget that takes account of all your BNPL payments, bills and other expenses all in one place. That way you can stay on top of your repayments and get balances cleared faster, without needing to open up more accounts.
Yes, we can get in touch with Afterpay, Zip or Humm and help sort out some more affordable repayment plans and ease the stress of collections.
Many of our clients have seen their credit score go up over time because they’ve been able to keep on top of their repayments and avoid new debt by building up a structured plan.
No, we work with what you’ve got – your current income – to build a realistic plan to clear the debt. We might look at consolidation if it genuinely can help lower your repayments and help you meet your goals.
Not at all, it’s pretty normal. We’ll review all the accounts, work out a repayment schedule and simplify everything for you into one clear plan so you can see exactly where your money is going.
Absolutely, we want your plan to work for you, not the other way around. We aim for progress, not punishment – so you can still have a life and pay off that BNPL debt.

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We’ve been using MyBudget for over 4 years now and this is our 3rd time back. The customer service team are polite and professional. We never feel alone and always supported. We are debt free and saving for a house deposit. If you feel the mountain is too high to climb alone, contact MyBudget. You won’t be disappointed!
Dani | MyBudget client
We have been with MyBudget for several years. We have paid off debts, created savings and purchased a home. We have also had numerous great holidays and a quality of life that wouldn’t have happened without the MyBudget forward planning budget.
Ali | MyBudget client
I went from being 3 months away from bankruptcy to becoming debt free and having savings put aside.
Nate | MyBudget client