??!

Pros

  • Free to use - Zero Interest and No Establishment Fees

  • Seamless integration within stores with a large number of merchants offering AfterPay

  • Automatic payment plan of 4 equal instalments each fortnight

  • Credit check not required; doesn't affect your credit score



Cons

  • $10 Late Fee for missing an automatic payment

  • $7 Fee on top of $10 Late Fee if you fail to repay the missed instalment within 7 days of the due date

  • May affect your ability to secure a loan as lenders consider Afterpay a line of credit

Reviews

(1,011)
(92)
(29)
(39)
(169)
  • Transparency
    4.4 (385)
  • Customer Service
    4.4 (292)
  • Rates and Fees
    4.6 (281)
  • Application Process
    4.6 (286)

Reviewer Photos & Videos


Great Service

published

Really helps with making larger purchases by spreading out the cost, so long as you plan correctly it's free to you as the customer and merchants get sales they might not have gotten otherwise. Win-win.

Transparency
Customer Service
Rates and Fees
Application Process
See all answers

Barb B.

Barb B.Metropolitan Adelaide, SA

  • 2 reviews

Love it so far

published

My first experience with a buy now pay later app and it couldn’t be easier. The convenience means I can get that item I’ve had my eye on and budget easily for the repayments.

Transparency
Customer Service
Rates and Fees
Application Process
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John norwood

John norwoodSouth East Queensland, QLD

Great

published

I love it so much greater way for someone to shop all the time 24/7 and its help me buy alot of things and my family and friends love it to the best way to shop i say

The reviewer stated that an incentive was offered for this review

rusty

rustySydney Surrounds, NSW

  • 8 reviews

A Godsend!

published

A Godsend for people on a low income. Much better to use than Pay day loans with high interest rates have used them over 50 times and always paid on time! Thank you.


Jenny M.

Jenny M.South West, QLD

Awesome way.to.get.essentials when on a budget.

published

So helpful and wonderful way to get stuff on a strict budget when they are.needed. Essentials for kids to.car.parts for unexpected repairs. The reminder emails and texts are a god send and leave.no excuse for late payments


Elaine

ElaineWestern Australia

This is excellent,love Afterpay

published

When those birthdays and Xmas comes around and your short on cash to buy presents ect no interest easy 4 payment plan is great.It has helped me alot,it's really great.

Transparency
Customer Service
Rates and Fees
Application Process
See all answers

The reviewer stated that an incentive was offered for this review


Anna L

Anna LSouth East Queensland, QLD

  • 3 reviews

Omg I can’t live without Afterpay haha

published

I love Afterpay and rarely shop where shops don’t offer it. It means I can afford things over time that I normally couldn’t afford for me and my kids. It has helped me so much

Transparency
Customer Service
Rates and Fees
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Amazing!

published

Afterpay is a fantastic platform that allows customer's to be able to make purchases that they might not otherwise have the means to buy. Providing the option to pay for your purchase over 4 x fortnightly payments is ingenious.
I recently fell in to hardship and I was able to suspend my payments for 1 x month until I got back on my feet.
The understanding and support I received from the afterpay team was commendable.

Transparency
Customer Service
Rates and Fees
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Stacey

StaceyGreater Melbourne (Outer), VIC

  • 4 reviews
  • Verified customer

Great service

published

Had an issue with a sale. Contacted then and they were happy to help as much as they could with the merchant. Very easy to deal with. Hoping to never have to call again with an issue but know I’ll be dealing with honest good people

Transparency
Customer Service
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Kaye S.

Kaye S.South East Queensland, QLD

Afterpay Service

published

I like using Afterpay and when I cancelled an order and the merchant contacted them all payment and refunds were attended to immediately. I highly recommend Afterpay to anyone buying online or in store.

Transparency
Customer Service
Rates and Fees
Application Process
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FedUp

FedUpNorthern Region, NSW

  • 3 reviews

Excellent service

published

This service is so helpful to both merchant and customer. It allows me to purchase items that ordinarily I probably couldn't. The fortnightly payments fit in with my pension and that suits me fine. If needed, a refund is easily obtained. Overall, a great company with a great concept.

Transparency
Customer Service
Application Process

AWESOME

published

Whoever thought of this service is a genius, its brilliant, must be so helpful to merchants who are struggling with poor sales in this current economic climate, its been a godsend to me when I have had trouble paying my account due to work problems or lost cards etc

Transparency
Customer Service
Rates and Fees
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cristina

cristinaMetropolitan Adelaide, SA

  • 3 reviews

A life saver!

published

I highly recommend Afterpay! It’s very useful to anyone who need to pay off a purchase, the repayment options are flexible too. The app is easy to use as well. Just perfect!


after pay

published

They are good I’m annoyed my review has to be 30 words. I thus give a bad review to this reviewing website. Not impressed! People do not like to be told what to do! Thanks :)

Transparency
Customer Service
Rates and Fees
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Guest user

Guest userSouth East Queensland, QLD

Afterpay is the best

published

I love afterpay is exactly like a take home layby and soo easy to use. The team for afterpay are do helpful and understand. I absolutely love afterpay and I recommend it to all my family and friends

Transparency
Customer Service
Rates and Fees
Application Process
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Prajwol

PrajwolSydney, NSW

  • 2 reviews
  • Verified customer

Afterpay is very good and I love it

published

I love afterpay and I love a lot .very easy to use and understanding.afterpay is very nice and helpful .. to all customers who use please pay on time so afterpay will give love to us

Transparency
Customer Service
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Jackie

JackieLaunceston, TAS

Thank goodness for After Pay

published

It made giving my kids a beautiful Christmas stress free, they are responsible and there customer service is quick and helpful, the app helps you plot out payments and make extra payments easily.

Transparency
Customer Service
Rates and Fees
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Jessica k shepherd

Jessica k shepherdGreater Melbourne (Inner), VIC

I dont use a credit card so here’s the simpler way to go.

published

This is my 2nd experience using Afterpay. Instant approval with four payments are much easier when you really need a product, and staff are courteous and helpful, yes I’d recommend.

Transparency
Customer Service
Rates and Fees
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Very impressed!

published

I have been very impressed ever since I used Afterpay. It has helped students like me to shop and pay it off in installments without interest. But I have a slight problem as of the moment, I cannot generate a new code even though I have never done late payments. I even paid my first purchase in full before the due date. I still have to call their customer service though. Other than that, great service you guys! Thank you!

Transparency
Customer Service
Rates and Fees
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Nicole

Nicole Perth, WA

Thanks Afterpay i can't live without it !!

published

Thank you after pay !!! u have made living easier with payment options and payment plans.
So that i and alot of others who struggle can afford the the luxuries in life and still live and get by week to week.
Thankyou Afterpay !!!

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Customer Service
Rates and Fees
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Questions & Answers

angusbugg

angusbuggasked

Am I able to sign up for another Afterpay account after my account being closed? It was frozen/cancelled due to an overdue payment (paid now). Just wondering if this lock is temporary or if I won't be able to sign up with my current details again.

No answers

Bonditash

Bonditashasked

Why does app not allow a new barcode when my card is not actually expired yet?

No answers

Bonditash

Bonditashasked

Why does app not allow a new barcode when my card is not actually expired yet?

2 answers
Mrs C
Mrs C

Which card? The one linked to Afterpay?

Bonditash
Bonditash

Yes


Get an answer from our members and Afterpay representatives

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