??!

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

4.3

1,441 reviews
5
(1,080)
4
(96)
3
(28)
2
(41)
1
(196)
  • Transparency
    4.3 (477)
  • Customer Service
    4.3 (386)
  • Rates and Fees
    4.5 (367)
  • Application Process
    4.5 (374)
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Reviewer Photos & Videos

CMV

CMVGreater Melbourne (Metropolitan), VIC

Don't bother to use on eBay

published
MissV

MissVSydney, NSW

  • 4 reviews

useless

published

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.

Saif

SaifGreater Melbourne (Outer), VIC

  • 4 reviews

I was late to the party but...

published

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

Kimbakirakad

  • 2 reviews

Always easy to use and if issues its no problem to resolve quickly

published

* 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

Excellent way to buy wen you don't have a credit card

published

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!

Awesome is After pay

published

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

ALI

ALISouth East Queensland, QLD

Beware! Do not use Afterpay through the Ebay platform as Paypal will flag the transaction!

published
sue

sueSydney, NSW

excellent

published

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

Unhappy customer

Unhappy customerSouth East Queensland, QLD

  • 2 reviews

Easy to deal with. happy

published

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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Kirra

KirraNew South Wales

Won’t be using again

published

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!!

Ben J

Ben JSydney, NSW

  • 3 reviews

Rubbish. Declines every time, even though plenty of funds available for first (or even full) payment

published

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).

J S.

J S.

  • 3 reviews

Don't Use

published

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...

Chaneal J.

Chaneal J.Sydney, NSW

  • 4 reviews

Check your options

published

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.

Leonie

LeonieCentral Highlands and Goldfields, VIC

  • 4 reviews

Life made easy with Afterpay

published

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

Worst thieves ever

published

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

published

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.

Standingstrong

StandingstrongGreater Melbourne (Inner), VIC

  • 3 reviews

They’re liars

published
Alan Orr

Alan OrrDarling Downs, QLD

  • Verified customer

This is a great company and my life would be crap, without them

published

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.

Brooke41

Brooke41Southwest, VIC

  • 4 reviews

Terrible customer service

published

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.

Terrible service

published

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

Page 3 of 73
See all Afterpay reviews

Questions & Answers

Kylie L.

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
taylor
taylor

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.

Jimmy D.
Jimmy D.

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.

Jason S.asked

How do I become a merchant

1 answer
Simon C.
Simon C.

Hi Jason I'm not sure what u mean bye merchant???

Cat

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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