??!

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

1,444 reviews
5
(1,083)
4
(96)
3
(28)
2
(41)
1
(196)
  • Transparency
    4.3 (479)
  • Customer Service
    4.3 (389)
  • Rates and Fees
    4.5 (370)
  • Application Process
    4.5 (377)
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Reviewer Photos & Videos

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.

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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

Mrs mumpfy

Mrs mumpfySouth East Queensland, QLD

Thieves

published

They take money from your account without your permission you give permission for the day payment is due, but due to vivid 9 I have hit hardship instead of helping me they chose to attack my account anyway and took over $100 plus the due amount. Thanx afterpay, I don't have my rent now. And your not operating a customer service due to virus but NOT returning emails either. The very worst customer service I've ever had in my life.

de9756687

de9756687

  • 6 reviews
  • 1 like

Perfect for me

published

Used this service for my cats flea treatment to start and now I use it for purchases that I can't afford up front.. Clear guidelines to follow. If in doubt, the customer service team,answer all your questions.. If you are struggling to make a payment..

J costello

J costelloMetropolitan Adelaide, SA

  • 6 reviews

payment up front

published

after being a afterpay customer since they sated and have never paid up front never missed a payment myself and others have discovered since lockdown due to Covid 19 afterpay is now taking first payment out up front

unhappy customer

unhappy customerMid North Coast, NSW

  • 2 reviews

Nasty tactics just because I complained

published

Due to being humiliated by an Afterpay agent multiple times. I want to close my account as apparently no one in management cares when I was bombarded with multiple emails each day for days in a row. I requested that due to cove-19 and I am personally affected due to a serious medical condition I told them about. They took all payments left at one time and now I cannot afford my medication that is urgent. No one has got back to me and I will now end up in hospital because one agent decided to be nasty and ignore my email requests to take one payment at a time until I could cancel. Clearly they don’t care as they are not answerable to the normal financial sectors guidelines. Be careful as they can turn nasty quickly

Richelle

RichelleSydney, NSW

This is perfect specially those people big family.

published

Big help for big family like me that can't afford straightaway the stuff that need to be buy or in emergency like goods in household like fridge and washing machine.

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Katherine R

Katherine RMelbourne

  • 14 reviews

Great Compnay

published

Love Afterpay. Great customer service. Highly recommended.
Great brands on the website. Very happy with company.
Overall great company. You won't be disappointed. Overall a great experience when buying products from the website.

Michelle

MichelleSouth East Queensland, QLD

Awesome way of shopping

published

So convenient and easy. Awesome products I use after pay for everything and have always had.great experiences and the repayments are very manageable it's so good for buying gifts.as well.

Rob A

Rob ANorth Queensland, QLD

It is great !

published

I dont know how i would get along with out Afterpay ! it is very help full to me, it enables me to buy items that i could not afford in a single transaction. as i am on a DSP ! I reconmend you to every one that i know ! Thank you very much for providing your service, regards Rob

gumnut

gumnutGreater Melbourne (Outer), VIC

  • 5 reviews

Love it (in moderation)

published

I use Afterpay if I don't have the funds in hand to pay outright for an item. It is very easy to use, and you get a detailed account of when payment is due. You also get an email telling you a payment is coming up so you don't miss a payment, which could e easy to do.

Hardship to pay off my after pay

published

I'm have difficulties to pay off my account due to the covid-19 and after pay people is understood. They helped me to manage my payment and hold on all of my late fees thanks after pay

Very good service and helpful

published

Had a problem with my payments and Afterpay were very sympathetic and understanding, ive only had good experiences and very helpful when you dont have the whole payment rite there and then..thankyou Afterpay

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Amazing Support Team! Unbelievable Service!

published

Best customer service team ever! So prompt and so helpful. One of the customer service team members had replied to my enquiry even before I received a confirmation email, they were very helpful and understanding of my experiences, I am very pleased with their customer service. 10/10!

Heather E.

Heather E.Wide Bay-Burnett, QLD

Worst customer service ever

published

The worst company I have ever gone with. Zero star . Worst Customer service unresponsive and unhelpful. Ive paid 2 installments no item and they are still on merchants side. It's been almost 3 weeks no product and I paid extra for shipping ..

Daphne M.

Daphne M.Hunter Region, NSW

Excellent customer service

published

The whole process of using Afterpay has been very user-friendly. Whenever I have dealt with customer service they have been very quick to respond and polite and informative. Love the texts keeping me up to date about payments coming due, gives me plenty of time to budget.

Brian W.

Brian W.Southwest, VIC

No problems.

published

I haven't had a single problem so far. Makes buying thing easier when you on a pension. And their sellers are very helpful if you got a problem that's fair and reasonable. Cherrs

ganne

ganneSydney, NSW

  • 2 reviews

love it !!

published

love AfterPay i highly recommend this to everyone. A way to buy things without worrying about layby or saving up. Also they reward you for being a great customer and paying on time.

Page 4 of 73
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Questions & Answers

Stephen H.

Stephen H.asked

Hi my name is Stephen hosler I had an account with u guys and have always paid on time but my last purchase was saying I still owe 70 something dollars and havnt yet been in contact or payed it in willing to pay it asap of course but I would like to know if I do pay it can I use after pay again straight away at all or not. Thanks.

No 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???

Get an answer from our members and Afterpay representatives

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