Finance Options: Afterpay & Latitude at Forme™ AU

At Forme, we want premium Pilates reformers and red light therapy to be as accessible as possible — without needing to pay the full amount upfront. That’s why we offer two finance options at checkout: Afterpay and Latitude Interest Free payment plans. Depending on your purchase size and how long you’d like to spread repayments, you can choose the option that suits you best.

Afterpay – Pay in 4, interest‑free

Afterpay is a buy now, pay later service that lets eligible customers split purchases into 4 equal payments over 6 weeks, with the first 25% due at the time of purchase and the remaining instalments automatically charged every 2 weeks. When you pay on time, you pay no interest and no ongoing account fees to Afterpay.afterpay+2

How it works:

• Add your Forme reformer or red light device to cart and proceed to checkout.

• Select Afterpay as your payment method.

• New customers create an Afterpay account and complete a quick eligibility check; returning customers simply log in.

• Afterpay pays Forme upfront, and you repay Afterpay in 4 fortnightly instalments via your linked debit or credit card.

Good to know:

• Afterpay does not approve 100% of orders; approval is based on factors like your repayment history and available funds.

• If you miss a payment, late fees can apply, currently capped so they never exceed 25% of the order value or $68 per order (whichever is lower).

• You can view your payment schedule and make early repayments any time in the Afterpay app or online account.

For full details, including eligibility and late fees, please read the latest Afterpay Terms & Conditions on their website before choosing this option.

Latitude Interest Free – More time for bigger purchases

Latitude Interest Free payment plans may be suitable for larger purchases when you want longer to pay them off. These offers are accessed using eligible Latitude credit cards (such as Latitude Gem Visa or Latitude GO Mastercard) and can provide interest‑free terms typically ranging from 6 to 60 months at participating retailers.

How it works:

• At checkout on our site, choose Latitude as your payment method (when available).

• If you already have an eligible Latitude credit card, you may be able to use it straight away on an approved interest‑free plan.

• If you don’t, you can apply online for a participating Latitude credit card and, if approved, then use it to complete your purchase on an eligible Interest Free plan with Forme.

• Depending on the promotion, you’ll either make equal monthly repayments or minimum monthly repayments over the agreed term, while the promotional balance remains interest‑free during that period.

Fees, interest and eligibility:

• A monthly account service fee currently applies on Latitude credit cards (e.g. advertised as around $10.95 per month), and forms part of the overall cost of using the card.

• If any promotional balance is not fully repaid by the end of the interest‑free term, the remaining amount may attract interest at the card’s standard rate, and other non‑promotional balances may also accrue interest.

• Applications are subject to Latitude’s credit and eligibility criteria, and Latitude is the credit provider.

Always check the latest Latitude Interest Free and credit card terms for up‑to‑date information on fees, interest rates and plan options before you apply or use a Latitude card.

Which option might suit you?

Afterpay:

• Typical purchase size: Smaller to mid‑range orders

• Repayment structure: 4 equal fortnightly payments over 6 weeks

• Interest: No interest when instalments are paid on time

• Application & approval: Quick BNPL signup and real‑time approval decision

• Ongoing fees: No ongoing account fee; late fees may apply if you miss payments

Latitude:

• Typical purchase size: Larger orders or multi‑item setups

• Repayment structure: Monthly repayments over a longer term (e.g. 6–60 months, depending on the offer)

• Interest: Interest‑free on the promotional plan during the offer period; standard interest may apply after that or on other balances

• Application & approval: Credit card application, credit assessment and approval required for new customers

• Ongoing fees: Monthly account service fee applies; other fees and interest may apply depending on card use

Both options are available at checkout for eligible customers, subject to each provider’s approval criteria and terms. If you’re unsure which option is right for you, our team can walk you through how each one works in general—but we can’t provide personal financial advice.

Important: This information is a general overview only and is based on the latest publicly available details from Afterpay and Latitude at the time of writing. It does not take your personal circumstances into account. Please read the full Afterpay and Latitude terms and conditions and, if needed, seek independent advice before deciding which payment option is appropriate for you.