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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
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.
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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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Mrs mumpfySouth East Queensland, QLD
Thieves
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.
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de9756687
- 6 reviews
- 1 like
Perfect for me
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..
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J costelloMetropolitan Adelaide, SA
- 6 reviews
payment up front
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
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unhappy customerMid North Coast, NSW
- 2 reviews
Nasty tactics just because I complained
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
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RichelleSydney, NSW
This is perfect specially those people big family.
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 RMelbourne
- 14 reviews
Great Compnay
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.
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MichelleSouth East Queensland, QLD
Awesome way of shopping
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.
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Rob ANorth Queensland, QLD
It is great !
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
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gumnutGreater Melbourne (Outer), VIC
- 5 reviews
Love it (in moderation)
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.
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Hardship to pay off my after pay
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
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Very good service and helpful
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!
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!
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Heather E.Wide Bay-Burnett, QLD
Worst customer service ever
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 ..
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Daphne M.Hunter Region, NSW
Excellent customer service
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.
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Brian W.Southwest, VIC
No problems.
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
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ganneSydney, NSW
- 2 reviews
love it !!
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.
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Questions & Answers
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.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
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