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
$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
Inconsistent and unreliable
I was only with Afterpay for around 5 to 6 weeks to which I made a couple of purchases in the first 2 weeks. I actually paid off both my orders In 2 instalments rather than seeing out the full 4 fortnightly instalments. Around the 5th week of my membership with Afterpay I tried to make further purchases to which were declined though I owed nothing and had settled my previous purchases early. And had I should have my full line of credit available. This is where it got frustrating. I contacted via email their customer service agents 4 or 5 time...s for an explanation and though their responses were prompt they were generic spiels and did not address my issue and to date could not explain to me why I was being declined. They kept stating that My issue was that I was seeking more credit. I kept reiterating that I simply wanted to use my available credit. It felt like their CS agents simply weren’t listening to me and just rambled off set spiels. I closed my account with Afterpay in the second month as I found them to be an unreliable and inconsistent service with poor customer service skills. Afterpay were more of a hinderance than a benefit and I found them very frustrating to deal with.
Amount Available To spend
Afterpay just reduced my available amount to spend without explanation. I got in touch to understand why, as I have been using the service for over 2 years and always paying in time and their reply was just an automatic thing, totally “I don’t care “ and someone called Cameron was totally rude when I got back again asking for a decent explanation.
So disappointed as I’ve been a good customer that was always telling my friends to try the service.
Discusting useless customer service, even by supervisors!!! avoid afterpay!!!!
Discusting useless, customer service, even by supervisors!! Avoid afterpay!! Go elsewhere this company does not care what so ever if you have a gold credit rating, worst worst customer service i have ever encountered, useless useless Do not use!!
Love Afterpay but dislike App update
I dislike the update on the app. I prefer seeing how much I owed (14 days, 30 days etc) compared to how much I can spend. If I wanted to see how much I could spend I would just click on the voucher. It feels like a sneaky way to encourage people to spend instead giving people clarity on their payments.
Appauling do not do business with!!
Customer service is well below par, staff don't even read the messages they eventually may respond to, have no knowledge of their own policies or just refuse to explain anything, are incapable of addressing customers correctly in messages and threaten customers when they get annoyed. Stay well clear!
- Verified customer
Happy to take your money, not so with issuing refunds.
I purchased almost $800 worth of goods from a seller using Afterpay. The seller hadn't delivered after 3 weeks with zero updates on where the product was despite me asking. I asked the seller for a refund but it was never issued.
I contacted Afterpay on two occasions for help with both responses stating they don't help with refunds. its up to me to get the (non-communicative) seller to refund. When I asked Afterpay to stop the payments to the seller while I sort it out they said no, the payments will still happen anyway.
I contacted the seller...
Afterpay vs No interest Credit Card
Disclaimer: I am not offering any financial advice but financial wisdom cows with knowing what you sign up for and I am not affiliated to any bank or Afterpay.
Using $1000 as a base credit value with Afterpay you just pay back $1000 in 8 weeks whereas for example, with NAB ‘0% interest’ card you end up paying $1020 in 2 months. Banks do a credit check that will dent your score, Afterpay doesn’t. Banks charge you monthly fees (no interest) and Afterpay charges the retailer a fee not you.
Credit cards are versatile for travel and paying for things like car hire overseas but with Afterpay it’s just for domestic use.
The choice is yours.
They lied to me
I contacted afterpay to get an extension of two weeks due to financial hardship. The amount was under $100.00. I received an email from the reassuring me that payments and notifications were turned off til that date (two weeks time).
However they lied. I lent some money to tide me over and afterpay took it all that same night.
I contacted them immediately but got the old nothing we can do now crap
I know it's so temping but please avoid them for your financial health.
Rubbish app and service
App says I can use $500 to make purchases, try to make purchases in store and they are declined due to ‘insufficient funds‘, even though there are PLENTY of funds available on the linked credit card. Very embarrassing. Use that same credit card with PayPass and transaction is approved. The problem is with Afterpay. There also also random times when a barcode cannot be generated.
Support is useless they just reply back with copy and paste scripted responses.
A little difficult, could be better!
Tried to use via a new EBAY (test it out) and to take advantage of 4 payment option.
Could not setup the account as using a different email address, as I have many but would only link to one phone and one email. Support was via email and no desktop access only via mobile app.
Just a little difficult to use. Suggest to avoid!
Have changed to zippay
It used to be ok at the beginning however its more about money not customers lately..However they have been ok with me I just didnt like when I worked so hard to have a high limit and spent alot they took it down all because I choose to help someone.. now with zippay much better.
Extremely terrible customer service
They clearly don’t care about loyal customers. I would never recommend using them now I know the way they react or fail to act when you need to try and sort something out. I will tell everyone I know what has occurred and try and get them to use any other facility
- Verified customer
Very upset with how I’ve been treated.
I was a customer from day one with hundreds of orders placed With the maximum level of $1500 given to me because I ALWAYS paid on time. I fell behind with repayments due to some temporary financial difficulty and owed $500. I paid this up in full today thinking my account was good to go and they told me I was banned forever from afterpay. I actually cried over this. I was a loyal customer. I begged like a fool and said please start me on the lowest amount and earn back my limit but they wanted nothing to do with me. They were heartless and beyo...nd rude. I’m disgusted in how you treat loyal customers and how heartless you are to people doing it tough. I’m not longer in a bad situation which was why I could pay the full amount in one go. Afterpay acts like because they’re a big company now that they can treat their customers however they like. IT IS NOT A NICE FEELING TO BE BANNED FROM SOMETHING FOR LIFE!!! It shows that one can never make mistakes or if one is in a hard spot you’re not met with compassion. Oh and btw I was lead to believe if I paid it off my account would be reopened. I wonder what legal route I could go down now for being mislead.
Terrible customer service and refund process.
Ebay refunded a purchase and I am still waiting for it from Afterpay after nearly 2 weeks. Submitted an enquiry and got a "have you restarted your computer" response. Terrible service!
Terrible Customer Service
Never missed or late with a payment and they have stopped me using after pay , I’ve asked why and they will not give an answer only suggestions so I closed the account. I use zip pay instead and prefer it.
Questions & Answers
WOW after reading these comments you had better lift your game Afterpay because you have more competition now too. At least have the decency to answer these customers. As a shareholder I am not impressed! May have to support another business.
Hi, I have started using Afterpay recently and love it. I placed numerous orders and paid them off quickly, both to get qantas points and also assuming this would stand me in good stead. Now multiple orders on succession have declined, and I just read that if you place multiple orders ‘this is a big red flag’! I had ample funds available for the payments. Does my Afterpay credit rating rehabilitate over time? I’m at a loss to understand why early payment would be a ‘big red flag’. I never would have kept submitting orders of I thought they would decline. I assumed it was an error with Afterpay and my credit limit was recalibrating overnight or something like that. Weird.
I have no account with afterpay and you have taken $107.50 from my credit card 4055 ****_****_6489 on 6 September Please explain why and please reverse it now Thank you
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