??!

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

Reviews

3.5

465 reviews
5
(227)
4
(58)
3
(26)
2
(30)
1
(124)
  • Transparency
    3.4 (240)
  • Customer Service
    3.4 (174)
  • Rates and Fees
    3.4 (176)
  • Application Process
    3.9 (179)
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Reviewer Photos & Videos

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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

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

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

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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.

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

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.

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.

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

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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

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.

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

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.

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
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Love Openpay

published

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

Emeley S.

Emeley S.Darling Downs, QLD

Pretty easy to apply

published

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

Cushla J

Cushla JRichmond-Tweed, NSW

  • 6 reviews

Happy overall with Openpay

published

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.

ceejay

ceejaySouth-Eastern Region, NSW

Commonsense, Easy to use, Effective online resource...

published

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

Happy I got Openpay

published

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

Page 4 of 24
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Questions & Answers

Peter

Peterasked

Is openpay available at most stores. Or is afterpay more acceptable?

2 answers
Tammy
Tammy

Afterpay seems more acceptable and certainly gas better service

Peter
Peter

That's what I thought. Thanks

Lella

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
Rebecca

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???

1 answer
SMC
SMC

You get it instantly like Afterpay

Get an answer from our members and Openpay representatives

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