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See the Best Buy Now, Pay Later Services in 2020 as rated by Australians on ieatwords.com.au.



Pros

  • Openpay Plans are interest-free

  • Flexible payment plans - set up payments to suit your schedule



Cons

  • Establishment Fee, Plan Management Fee and Redraw Fee may apply to some plans

  • Default Fee of up to $9.50



  • Referral Fee of $19.50 iif you have failed to pay a missed instalment 8 days after you due date

  • May conduct credit checks during application; may affect your credit score if you default on payments

Reviews

(212)
(52)
(25)
(26)
(95)
  • Transparency
    3.6 (191)
  • Customer Service
    3.7 (127)
  • Rates and Fees
    3.6 (131)
  • Application Process
    4.1 (133)

Reviewer Photos & Videos

  • More

Thomas

ThomasGoulburn Valley, VIC

  • 34 reviews
  • 1 like
  • Verified customer

So far brilliant

published

I've used openpay for two transactions so far and they've been brilliant, had contact the customer service representative once due to volunteer work I had done meant my pay week was out and they were very accommodating at rescheduling the payment for the next week, I wasn't on hold for long and my query was sorted in matter of minutes both transactions explained the payment schedule ahead and the amount to be taken from my card on the said dates so far I can only praise the service I've received. However I will update my review in the future if anything changes.

Transparency
Customer Service
Rates and Fees
Application Process
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UncleJay

UncleJay

  • 3 reviews
  • Verified customer

Pay Smarter? NO, Pay Fees, Experience Inflexibility, Dropped Calls

published

Don't loose your card. They have no willingness to provide alternative payments. After multiple contacts they still attempt your card every day even both days of the weekend, and Charging you an escalating fee as they go. On my last call trying to negotiate a complete pay out, my call was dropped. Deleting this app, closing account my small purchase is doubled in size!

Transparency
Customer Service
Rates and Fees
Application Process
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Tania

TaniaQueensland

Good so far.

published

I found the app easy to use and so far I have no problems. I have only used this service once. Will see how things go with buying other products.

Scott M

Scott MSouth East Queensland, QLD

  • 5 reviews

Account Locked

published

Recently, I have used the Openpay facility to purchase products from Bunnings. About payment of my purchases, I was wanting to change credit card options. The system was impossible to navigate, even though my cards were registered.
The end result was my account has been locked, shocking service, combined with incompetent technology within the app.
One star rating is to high.
Back to after pay..!!
Cheers..

Customer Service
Application Process

Keith B.

Keith B.Greater Melbourne (Outer), VIC

  • 3 reviews

Great way to pay something off

published

This is a great way to pay something off if you cant afford the lump sum but can afford the repayments with absolutely no interest at all and is so quick and easy to apply.

Transparency
Customer Service
Rates and Fees
Application Process
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Angel

AngelSouth Australia

Great love it !

published

Easy convenient quick access no dramas this is a great service gives you the opportunity to get what you want and pay it off gradually I can recommend Openpay with no hesitation

Transparency
Customer Service
Rates and Fees
Application Process
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Vanessa

VanessaGreater Melbourne (Outer), VIC

  • 3 reviews

Easy to use, easy to communicate with customer service

published

I found it easy to use and very straight forward.... and im not tech savvy so this was a breeze for me! I had an issue where my credit card was fraudulently used overseas so I needed to cancel my card and wait for a new card! I contacted customer service and they offered alternative solutions to avoid getting late fees.... all via email, so I’m pleased to say that good customer service still exists.... please try this for yourself and see how easy this is to use! A+++++++++++++ app and service

Transparency
Customer Service
Rates and Fees
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Scott

ScottSouth East Queensland, QLD

  • 2 reviews

Easy process, but had a little drama

published

I took out openpay to see what it was like, I got home and owed $75, I tried to pay a payment, and it blocked my account, I called up and was told if you try to pay more than 5 days before your next payment is due the system blocks you, and the initial offer was $450, I have paid that, and my amount didn’t increase, even after requesting increase. Afterpay is a lot better

Transparency
Customer Service
Rates and Fees
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Shellie Roberts

Shellie RobertsHunter Region, NSW

  • 2 reviews

Brilliant Product

published

Openpay is absolutely brilliant and so easy to use. I highly recommend this financial product for anyone seeking a tailor-made buy now/pay later option. Applications are simple and super quick too.

Transparency
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Rates and Fees
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Allen T

Allen TWide Bay-Burnett, QLD

  • 2 reviews

BUNNINGS

published

As I wanted thing and OPEN PAY is there for me so I will recommend them for if you need thing in a hurry and it can be done on line also thank you

Transparency
Customer Service
Rates and Fees
Application Process
See all answers

Daryll

Daryll

  • 2 reviews

Very helpful when you are in a tight budget

published

Quick and hassle free transaction, easy repayments over time, very happy with my purchase, might use again in the future. Hope they increase the merchants that we can use this app in.


Quick and easy to use great options to repay

published

The only improvement is that the app is very hard to read needs to have some improvements made there otherwise concept is great and can use at Bunnings and Anaconda.

Transparency
Application Process

Chris A.

Chris A.Sydney Surrounds, NSW

This is awesome!!!

published

Easy to use and very affordable repayments over time. I needed a mower and my credit limit has raised as I successfully paid out a couple of plans. Very happy.

Transparency
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Rates and Fees
Application Process
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Chabbo

ChabboSouth East Queensland, QLD

  • 2 reviews

Openpay is great

published

I’ve never had any issues with openpay it’s great easy to use with a wide variety of places to use it online or in store the payments are easy to manage

Transparency
Customer Service
Rates and Fees
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Happy customer

Happy customerSouth East Queensland, QLD

This is perfect. So easy and convenient

published

My lawn mower blew up and i need it for work jobs. Would not have been able to get a new one without open pay. Was definitely a life saver

Customer Service
Rates and Fees
Application Process
Rita S.

Rita S.Greater Melbourne (Metropolitan), VIC

HAPPY

published

Such a great idea. You can have whatever you want and without the credit card. A modest amount comes out of my account on.pay day and it feels as if there isnt any debt.

Customer Service

Kirby

KirbyMetropolitan Adelaide, SA

  • 3 reviews

Great and easy to use...

published

Really easy to sign up and use... great idea and interest free. The only thing you should be offered more then a $500 start up, at least $1000 would be better and no instant payment as like Afterpay

Transparency
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Rates and Fees
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Dan S.

Dan S.Darling Downs, QLD

Could be better

published

Easy to start a plan and very affordable. Unfortunately it is hard to add a card and has caused my wife to be locked out of her account. I went to add a card and it would not let me.

Transparency
Customer Service
Rates and Fees
Application Process
See all answers

I won't use openpay

published

Openpay wants I'd I take a photo of myself holding my I'd I get email from me wanting me to resend nope not wasting me time on this made me look like a goose at Bunnings


danielr

danielrAU

  • 9 reviews

Avoid these loan shark scammers

published
Transparency
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Questions & Answers

Bryce T.

Bryce T.asked

I just made a purchase from bunnings, set a plan and they took the money out of my account, but when I look in my openpay account there is no plan and no record of my purchase from bunnings????? What is going on

No answers

MelG

MelGasked

Hi, Im a regular Openpay customer and recently tried to make a purchase with Bunnings online, It says my bank has declined the request even though I have the funds to cover initial payment. I have used it for online Bunnings previously with no issue. The card is not expired. Can anyone explain this please

No answers

Terry K

Terry Kasked

Hi trying to use my openpay account I have a limit of $300 have funds available on my account for first payment but when I go to process thru openpay it tells me my limit is $300, But the item I want to purchase is $299.00 within the $300 limit. Trying to buy online thru mydeals.com.au. can anyone help??

3 answers
Tania
Tania

If it does not include free shipping on the product it will be over your limit so you won't be able to purchase.

Terry K
Terry K

Thanks Tania for answering my question but doesn't actually help as the item has free shipping included! Any other suggestions?

Tania
Tania

That's the only thing that would be a problem. Sorry i could not help.


Get an answer from our members and Openpay representatives

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