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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
Reviewer Photos & Videos
CMVGreater Melbourne (Metropolitan), VIC
Don't bother to use on eBay
I am a regular user and have always paid back on time. Had over $1300 on the account to spend. Tried twice to purchase a camera security system which was well under $1000 and twice was rejected. AfterPay indicated issue with eBay. eBay confirmed no issue at their end. AfterPay then used excuse that they were supporting responsible spending behaviours. I am still employed and have a good credit rating and track record with repayments to AfterPay account. They made assumptions that were not true and then making comments they were not a financial ...Read more
institution or credit agency as if I was treating the service this way. Really poor form and insulting. If you can't use the service on eBay then don't make it available rather than making out the issue is with the customer and their spending behaviour. Wouldn't use them again nor recommend them.
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MissVSydney, NSW
- 4 reviews
useless
Customer service team are useless at the moment. No contact number and emails back and forth are not solving the problem, just going in circles. I have requested a call and no response.
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SaifGreater Melbourne (Outer), VIC
- 4 reviews
I was late to the party but...
You know, I've been seeing Afterpay signs in my local shopping center for years now but I didn't pay them too much mind - I didn't like how it was four payments no matter what the amount. But a few weeks ago I decided why not, and went with Afterpay and I have to say the experience has been absolutely seemless.
Thank you so much, Afterpay.
(I was going to give four stars, but after writing the review I realised it actually does deserve 5 after all.)
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Kimbakirakad
- 2 reviews
Always easy to use and if issues its no problem to resolve quickly
* so simple and straightforward to use
* if any problems they are always quickly resolved without question or issue
* professional service
* convenient and useful payment method for me
* highly recommend this service
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Excellent way to buy wen you don't have a credit card
Love afterpay give the chance to buy something that I need and can't afford .
And the customer service is great had a problem with a seller and wen I call afterpay cs the problem was solve in no time with the help
Thank you!
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Awesome is After pay
I got $300+ worth of stuff,and I only have to pay it off with a quarter of total every fortnight until paid off,looking forward to buy more stuff about $300 each 8weeksthanks After Pay
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ALISouth East Queensland, QLD
Beware! Do not use Afterpay through the Ebay platform as Paypal will flag the transaction!
Beware! Do not use Afterpay through the Ebay platform as Paypal will flag the transaction! You will than be bounced between the three. No one will assist you and Afterpay will continue your payment contract whilst Ebay will state no payment has been made due to Paypal!
I just want this nightmare to be over. How hard is it for Afterpay to cancel this contract when it states clearly that their job is to help with payment. Ebay has told me no payment has been made by afterpay and somehow paypal is holding the payment therefore due to no fault of ...Read more
my own afterpays job is to make sure payment is made to the merchant. Which clearly it has not. Cancel my contract and stop making me pay for goods that haven't been paid for by you Afterpay. Customer service is even worse as they cannot understand this simple problem. All they do is copy and paste their refund policy as a solution or bounce you off to either Paypal or ebay. It's a vicious circle!Similar opinion? Write a review on ieatwords.com.au!
sueSydney, NSW
excellent
i have been using afterpay for quite some time now. They have great service as well as helping you get the product you want with ease and affordable repayment plans. happy to be with afterpay
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Unhappy customerSouth East Queensland, QLD
- 2 reviews
Easy to deal with. happy
When I returned the goods to the retailer. After pay process is easy and straightforward and credit to account easily. I am happy. There is no problem to order the goods or refund. That is what the customer looking for.
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KirraNew South Wales
Won’t be using again
Got a refund from afterpay they sent my refund to a cancelled account and told me it was successful, asking me to talk to my bank. Spoke to my bank and they said this could not have happened it would of bounced back they checked all accounts afterpay had said it would be in and nothing was there! Went back to after pay to tell them the bank doesn’t have the money and they told me they can’t help me. Worst service!!
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Ben JSydney, NSW
- 3 reviews
Rubbish. Declines every time, even though plenty of funds available for first (or even full) payment
Just started using afterpay since I saw it was available on ebay. Used the app to generate a barcode to see how much I was allowed to spend. Was shown $400
Ok that fine. Heres how it went:
Try to buy a 16gb ddr kit on ebay. Payment bounced
Tried to buy a different 16Gb ddr kit on ebay. Payment bounced
Tried to buy a pair of dunlop volleys ($50 ish, payments would have been $13 something). Payment bounced.
Total waste of my time. I bought the shoes and one of the ram kits on my credit card, which was attached to afterpay (but now has afterpay blocked due to non performance).
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J S.
- 3 reviews
Don't Use
I was late with a few payments, advised this to them and they gave me time to pay. I paid the account in full including the late payment fees and they closed my account? They refuse to let me use again?
This is a horrible way to conduct Business when I did the right thing and now treat me like this.
I have had my wife now cancel her account with you and will let others know how I was treated and be rest assured, they will close their accounts.
I work in retail and have this service and will now refuse to use it, you will lose...
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Chaneal J.Sydney, NSW
- 4 reviews
Check your options
Even though a payment was late but was made prior to “incurring any fees” I have been barred from outright purchases basically it turns into instore shopping having to make first payment prior to start.
Contacted customer service but no help could not even indicate when what ever barring will be lifted. Makes it inconvenient so I’m definitely going to look toward other finance options in preference of ease of use. Zip latitude pay etc.
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LeonieCentral Highlands and Goldfields, VIC
- 4 reviews
Life made easy with Afterpay
Thank you Afterpay have been with you guys couple of years, in that time you have made my life easy. Living in rural town don't have shops. Since having after pay never go without, from tv clothes gifts for family to special treats like food delivery thanks Afterpay
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Worst thieves ever
Thought I'd try them out with a little transaction of $80, now in the middle of covid shutdown they think there above every other business and still charge late fees when there's no work no income they can go get stuffed never again customer service is also a joke
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So convenient it's great
Afterpay application worked straight away and I really needed afterpay at the time of purchasing my windscreen. It was super easy to organise when applying for afterpay. Highly recommended it.
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StandingstrongGreater Melbourne (Inner), VIC
- 3 reviews
They’re liars
I was a great customer using Afterpay often, I was hit by a car in 2016, I was terribly injured with 19 badly broken bones, broken spine, neck, pelvis, 2 collapsed lungs, flail chest and couldn’t work. I made my fortnightly repayments, went for surgery, after surgery I thought my final payment went thru but I was mistaken. I must’ve logged out prior to the payment being confirmed or internet was not connecting.. whatever happened I don’t know but I owed approx $1200. I then forgot about it, I got new iPad and phone but did not connect that emai...Read more
l address as I forgot password. After 6 months I found out I owed Afterpay $1200. I IMMEDIATELY paid it once debt collector rang me. I was told I’d be able to use Afterpay again but they lied and said NO! Even after I explained circumstances and I paid what was owning immediately. Very disappointing.Similar opinion? Write a review on ieatwords.com.au!
Alan OrrDarling Downs, QLD
- Verified customer
This is a great company and my life would be crap, without them
They are the best . The staff are fantastic and went out of their way to help me when I got locked out. Keep up the great work. Love buying things on Afterpay, as I had a stroke and hardly ever get out, so I love buying my stuff on Afterpay. Has made my life stuck at home great. thank you and all your great staff.
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Brooke41Southwest, VIC
- 4 reviews
Terrible customer service
I've been trying to solve an issue with Afterpay for about a week and getting nowhere. Instead of helping, I receive robotic responses that do not explain why the documents I provide are insufficient to access my account. Very poor customer service. I'm not sure if it's because afterpay make their staff follow a script, but I'm getting frustrated by their lack of humanistic responses. I've always been a good customer, paying off my orders in advance. Very unhelpful.
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Terrible service
They don't even check the authenticity of the merchant. only care about the money don't care about if the customer received the product or not. Won't using this service again
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Questions & Answers
Kylie L.asked
I've paid my accounts all before their due dates, yet I just refreshed my spend limit and its gone from $500 to $100? Why?
2 answers
I won't ever use Afterpay again it's showing it really doesn't care for its customers. I lost my job and had to pay what I owed Afterpay off, I did this and of course was more than happy to do this. Now it will not allow me to use its services again. It doesn't give Australians a second chance, which is unheard of at time like this. Use Openpay.
Please explain why afterpay just cut you off? Are they psychic and know you lost your job and pre-emptively stopped you? You know what sounds more likely? You kept missing payments and finally caught yourself up hoping you could use the service, doesn't work that way mate. Take responsibility for your own irresponsible behaviour instead of blaming afterpay. My account isn't shut down, I just joined a month ago, wonder why that is.
Jason S.asked
How do I become a merchant
Catasked
I have been unable to update the expiry date of my MasterCard in Afterpay. It’s a visa debit that has always been attached to my account and been used for my payments. Because it wouldn’t update, I deleted it and tried to add the card again and now it’s telling me it won’t accept my card because it’s considered a pre-paid card. Anyone have any idea why that’s now happening? I’ve been using that card in my account for nearly three years.
No answers
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