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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

Reviews

4.2

1,466 reviews
5
(1,087)
4
(99)
3
(29)
2
(44)
1
(207)
  • Transparency
    4.2 (501)
  • Customer Service
    4.2 (411)
  • Rates and Fees
    4.4 (391)
  • Application Process
    4.5 (399)
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Reviewer Photos & Videos

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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

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.

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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.

Katherine R

Katherine RMelbourne

  • 15 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.

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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

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!

Page 5 of 74
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Questions & Answers

Liz M.

Liz M.asked

I made my first afterpay purchase a few weeks ago and have made 2 payments off this order. When I create a barcode it says I have a limit of $500 but when I go to purchase something online it says the order is declined
If I go and purchase it in store will it accept the barcode or will that decline as well

No answers
Amy B.

Amy B.asked

I forgot to change my card On file so my payment declined. But, I paid my payment within hours. On the due date. The same day! Will this affect my afterpay account? The payment was not technically late as it was paid same day!

No answers
Steve

Steveasked

I recently made purchases on AfterPay and needed to reund on 2 occassions and I received an email from AfterPay to say that my refund had been made but when reading the fine print it states that these refunds may take 5-7 days to appear in your account. WHY is it that AfterPay can take our money straight from our account but they can;t put the money straight back to your account. I think they should immediately refund to our accounts. Doesn't seem right to me. Quick to take the money but SLOW in returning.

4 answers
Eon M.
Eon M.

Business banking works differently than person to person banking. RTGS (instant payment) can cost a business extra money. Once they've released the money it's up to the banks.

Steve
Steve

That's not correct. I work in retail and when we refund to an account it goes straight to the account, immediately. have a look next tiem you purchase and get a refund to your card.

Sam H.
Sam H.

That’s because it’s essentially going from savings to savings. Since you’re using a credit facility it takes an extra couple of days. If it makes you feel any better afterpay doesn’t receive the payment for a few days either, but it recognises that a payment has been made so provides a confirmation.

Get an answer from our members and Afterpay representatives

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