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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 if you have failed to pay a missed instalment 8 days after your due date
May conduct credit checks during application; may affect your credit score if you default on payments
Reviewer Photos & Videos
AngelSouth Australia
Great love it !
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
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VanessaGreater Melbourne (Outer), VIC
- 3 reviews
Easy to use, easy to communicate with customer service
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
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ScottSouth East Queensland, QLD
- 2 reviews
Easy process, but had a little drama
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
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Shellie RobertsHunter Region, NSW
- 2 reviews
Brilliant Product
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.
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Allen TWide Bay-Burnett, QLD
- 2 reviews
BUNNINGS
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
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Daryll
- 2 reviews
Very helpful when you are in a tight budget
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.
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Quick and easy to use great options to repay
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.
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Chris A.Sydney Surrounds, NSW
This is awesome!!!
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.
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ChabboSouth East Queensland, QLD
- 2 reviews
Openpay is great
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
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Happy customerSouth East Queensland, QLD
This is perfect. So easy and convenient
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
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Rita S.Greater Melbourne (Metropolitan), VIC
HAPPY
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.
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KirbyMetropolitan Adelaide, SA
- 3 reviews
Great and easy to use...
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
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Dan S.Darling Downs, QLD
Could be better
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.
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I won't use openpay
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
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danielrAU
- 9 reviews
Avoid these loan shark scammers
I've had problems with this system twice now and two times they have refused to take $9.50 charges from my account. I have to transfer money manually for the payment to be made and I never get notification emails about it. They don't give you a chance to pay at all they just extort money.
The current time is there was problems using the buggy app at the register. I was trying to change the saved card used and it kept crashing. Long story short, I deleted one card and due to problems I had to open pay the full amount not part pay.
I tried to...Read more
make two early payments due to the mistake and the system blocked me for "fraud", and said it was "being reviewed" which it was not. I can't really tell how paying off my account is considered fraud ! This is what hardware 2FA is all about, preventing logins stolen too. Being a dodgy buggy phone app only system with no webapp console, I was unable to manage anything, and due to getting no warning notification they charged me $9.50 immediately again. They are now refusing to pay me back due to their buggy mistakes and blaming me for not calling them about the system blocking me. This is not my problem the system was so buggy it had a spack for making early payments and blocking me. This is also not my problem the buggy system never actually notified anyone about it and left it blocked. Extorting scammers, avoid this system. Those extra payments I don't need right now in financial stress and fire emergencies. I have been on high watch all month and don't need to micro manage other people's mistakes.Similar opinion? Write a review on ieatwords.com.au!
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customer_first_namecPerth, WA
Love Openpay
I have the app on my phone. Quick and easy walk out the shop with my products within minutes. Easy affordable repayments I choose my repayment and over how long
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Emeley S.Darling Downs, QLD
Pretty easy to apply
I love that you can choose the day your payments come out and that you can choose more than one length of time to pay it off. Not excited about the fees though
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Cushla JRichmond-Tweed, NSW
- 6 reviews
Happy overall with Openpay
I've had openpay for awhile now, and although it's easy to use and I love you can use it online, I wish there were more mainstream shops to purchase from. I don't use afterpay, but afterpay do have many many more shops to buy from. That's the biggest downfall for me. Also, aside from online, there is only one store within an hour of me that I can visit to purchase in-store. The usability of the website to search for stores etc is not great - I feel in 2020, technology is so advanced, this could be improved on a lot. If I could make any suggestion to openpay, it would be to bring in more stores that people use in general, e.g.. Target, Big W, Kmart, pillow talk etc.
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ceejaySouth-Eastern Region, NSW
Commonsense, Easy to use, Effective online resource...
Hi, Chris here. My initial contact with OpenPay was simple, quick and effortless in getting all setup and able to use the online service straight away. Minutes, and it’s all action.
OpenPay offers an effective and useful online facility, as I’m disabled and confined to home and a w’chair this service adds significantly to my overall independence and to the better quality of ‘my’ life.
As a ‘new’ user I can easily offer a tick in their favour. It’s not just as simply put, on first look, but Is really a whole lot more. Appreciated.
And, was great for my v’late Christmas shopping. Thank you
Chris
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Happy I got Openpay
Saw item on sale and it had an Openpay sticker with the repayment required
Applied for account and was approved for a 450
Spent 495 in shop and Openpay took required amount leaving me with $54 available Very Happy
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Questions & Answers
Peterasked
Lellaasked
Hi my available balance says $750 but I’m worried to try and increase my amount because of the reviews I’ve seen on here people saying that applied then have got less some even ended up with zero available?
No answers
Rebeccaasked
Hiya, I was just wondering I dont know if it's a silly question. But if you buy a product with openpay do you get the product during or after the payments???
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