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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
Reviewer Photos & Videos
ShefAdelaide
- 6 reviews
- 1 like
- Verified customer
What a waste of time! Is this a personal data harvesting scam?
After an enticing discount offer to use Afterpay with eBay, I decided to jump the hoops, setup and verify my account. With an "estimated available to spend" $600 in my account, I tried to make a purchase for $395 and was declined. I have never been declined credit, I pay all my bills on time and manage my home loan just fine.
I feel like I have just given over a lot of my private information to a company that does not honor its claims.
I wonder if this is just a huge data harvesting scam to raise stock price and sell peoples personal information? That's how big tech is making their money these days.
This has been a huge waste of time...
2 comments
Hi Isabelle, I appreciate your prompt response but I think a better business practice would be to honest with your customers from the very beginning and especially before collecting sensitive personal...
Read more details. Stating the account is created with $600 'estimated available' is simply misleading. It would be more ethical to say your first transaction is limited to $50 or whatever the limit. It would save the hassle and be better than the carrot and stick game with customers. If I knew all this at the start I wouldn't have bothered joining Afterpay and kept my details private.Afterpay playing dodge ball
I purchased something of Ebay, not recieved. refund issued, Ebay then Paypal sent me confirmation that money was returned to Afterpay, been since the 12th feb and still nothing contacted numerous time with screen shots and nothing. email and phonecalls, ACCC next if that dont work, well sadly issue a letter of intent. so sad as I have only had great dealings with Afterpay, and such and insignificant amout. have never missed a payment and have the maximum amount to spend.
1 comment
Isabelle C.Afterpay
Hi Sean. This sounds serious and I'd like another chance to resolve this for you. I've sent you a DM requesting further info so a member of our team can get in touch asap. I appreciate the time taken ...
Read moreto write the review and have passed on the feedback to our team. Thanks, Isabelle.Pierre B.Sydney, NSW
Great Product
I run a small business and use afterpay to purchase tools etc. It's hassle free and great for cash flow. For years banks were not interested in small business. It would be a backward step if users are subjected to credit checks and providing income details etc as being proposed.
1 comment
Isabelle C.Afterpay
Thanks for the wonderful feedback Pierre! Really appreciate the time taken to leave us a review. Glad to hear you are loving Afterpay. Thanks, Isabelle.
Find out how Afterpay compares to other Buy Now, Pay Later Services
Know better, choose better.
AileenSouth East Queensland, QLD
Afterpay are Scammers
Purchased items from officeworks and after not being able to get the items, I cancelled my order. I paid off the afterpay amounts straight away as I thought they would just then return the amount of money paid. This did not happen however, Afterpay have informed me this is not how their product works, they will keep the money on any cancelled orders. Do not use this company, they are a scam. Pay your order in full or choose another BNPL company to use. I was told how they were scammers previously but didn’t believe it as I had not experienced it, wish I trusted that person now. I will be using Zip Pay in the future.
1 comment
Isabelle C.Afterpay
Hi Aileen. This sounds serious and we'd like another chance to resolve this for you. I've sent you a DM requesting further details so our team can be in touch to help. Thanks, Isabelle.
sueanneHunter Region, NSW
- 4 reviews
- 6 likes
Afterpay is Great.
I've been using Afterpay for a couple of years now for various items and the only whinge I have is when they started taking the first payment upfront. They sent an email saying I was eligible to stop this but when I tried they said I had to have a smart phone...I'm smart enough and do not need a stupid phone to tell me it's smarter than me. I have a flip top that I love, phones are only for talking on and that's all I need. I have a great desktop computer and a great laptop for when we holiday. I don't really care about the first payment but ...
Read moredid think that was a dumb reason for not giving that option to me. I never have more than a few hundred $ on it at best and it's not that hard to keep on top of your bills so it shocks me a bit when people whinge and leave bad reviews when they've missed payments! They do send reminders that the payment is coming up so what's the good of your smart phones when you can't keep on top of emails. I loves Afterpay.1 comment
Isabelle C.Afterpay
Hey Sueanne. Thanks for taking the time to leave us a great review. I'm glad to hear you are spending responsibly and enjoying using Afterpay! Thanks, Isabelle.
Kev L.South East Queensland, QLD
Crap everything
Frozen from an account I’ve never used....Can not rectify problems with there c/s team (b/s team) and will not attempt to fix. Not happy and thankful there are other companies similar...
1 comment
Isabelle C.Afterpay
Hi there. I'm sorry to hear this and would like another chance to resolve this for you. I've sent you a DM requesting further info so we can get in touch as soon as possible. I really appreciate your ...
Read morefeedback - it allows us to ensure we are constantly working to improve our service for our customers. Thanks, Isabelle.Bad Phone Customer Service
From all past experiences, Afterpay customer service over the phone are very rude, and not considerate of questions or queries.
I sent emails months ago with no response.
Not happy overall
1 comment
Isabelle C.Afterpay
Hi Jess. I'm sorry to hear this and would like another chance to resolve this for you. I've sent you a DM requesting further info so our team can get in touch with you first thing next week (within customer service hours Mon-Fri). Thanks, Isabelle.
Better Than a Credit Card
As long as you are careful and don’t make large purchases you can’t handle, Afterpay is a great service for low income earners who have difficulties paying for something they need/want in one hit. Like lay-bys, it enables you to spread your payments into more manageable chunks without incurring fees.
The catch is, if you miss a payment, they sting you hard with a penalty fee. I make sure my payments always fall on payday so I know the money will always be there. Honestly, I’ve been using Afterpay for a long while now and have only had a 100% positive experience. I love it.
1 comment
Isabelle C.Afterpay
Hi Jane! Thank you so much for your 5-stars! Afterpay is a free service, as long as you pay on time. If you do miss a payment, you will incur a late fee, and you won’t be able to buy or book anything ...
Read moreelse with Afterpay until you settle your account. We will charge you a capped late fee that starts at $10 but never goes higher than 25% of the purchase price or $68 (whichever is less). On a $40 purchase, for example, that means no more than $10 in late fees. But no interest, ever. Thanks, Isabelle.JasmineSydney, NSW
Was good, company got big now it’s terrible.
I’ve been with Afterpay since they started essentially.
I’ve always paid my payments, have never missed one.
I slowly built up my limit to $1500 and then suddenly overnight it went back down to $1000.
Their whole systems is stupid and Afterpay customer service sucks.
Just like most other companies, as they got big they started failing the very same people that made their business.
1 comment
Isabelle C.Afterpay
Hi Jasmine. Thanks for reaching out. Before each transaction, we assess your ability to make repayments on your short instalment plan using our real-time technology that stops anyone spending too much...
Read more. The good news is, just as there are circumstances which may lower the amount you can spend, good spending behaviour can increase what you can spend with Afterpay. Typically, the longer you’ve been using your account, spending responsibly and making repayments on time, the more likely the amount you can spend will increase. I hope this helps. If you'd like to speak to a member of our team, please email info@afterpay.com.au. Thanks, Isabelle.Find out how Afterpay compares to other Buy Now, Pay Later Services
Know better, choose better.
Julia T.Greater Melbourne (Metropolitan), VIC
- 16 reviews
- 2 likes
Love their service
Afterpay is one of the best financial apps I’ve used because it’s easy to use, fast and their service is good. Since using afterpay I haven’t had the need to use my credit card.
1 comment
Isabelle C.Afterpay
Hey Julia! Thank you so much for getting in touch and leaving this amazing review! I'm so glad to hear you are loving using Afterpay. Isabelle :)
Kristal M.South East Queensland, QLD
Not good.. very dissatisfied
I'm up to date with my account, but because I have missed a few payment just a week ago it's straight to lock account zero and now once I had paid it off I'm still waiting for it to unlock my account at the moment it's saying no available to spend..zero..please afterpay I have emailed you guy so many times, that you are repeating your words . Don't lie and say if we can help fix this problem it's depends on the data system that can resolve this matter..
Spending limit
I have a Afterpay account and i had $1450 limit and and after paying my repayments i had $400 left on spending available then last night it goes to zero which has now left me with $1054 spending limit. I call Afterpay to find out why it has decreased when i am always on time with payments. They could not give me a answer and was very rude and i asked to speak to the supervisor who was also rude and also could not give me a reason and did not want to help me with my enquiries. I will pay off my account and will never use Afterpay again
3 comments
Isabelle C.Afterpay
Hey Margaret. We are constantly working to improve our service for all customers, so I really appreciate your review. Account limits are built into our platform to encourage responsible spending. You ...
Read morecan also increase your limit overtime by demonstrating good spending behaviour and checking your account before your payments are due to make sure you do not make late payments. I have passed on your feedback to the team. Thanks, Isabelle.But thats the thing I am not late in repayments so there was no reason for my limit to be reduced i have been with afterpsay for a long time now and had a spending limit of $1450 then it was dropped t...
Read moreo $1000 and no one can explain why it happened and your customer service representatives dont want to help or listen and are just plain rude.Isabelle C.Afterpay
Hi Margaret. I've sent you a direct message requesting further details so we can get in touch and look into this for you. Thanks, Isabelle.
jjohh22South East Queensland, QLD
Huh what gives
I started with one purchase went to two
Got extra in my pay s I thought i would pay the next payments off in advance
Error messages everytime unable to do this Why?
2 comments
Isabelle C.Afterpay
Hey there. Thanks for getting in touch! We'd like to help resolve this for you. Could you please send an email to info@afterpay.com.au so our team can assist? Thanks :) Isabelle.
Isabelle C.Afterpay
Hey jjohn22, thanks for reaching out. Could you please send us an email info@afterpay.com.au so our team can look into this for you? Thanks, Isabelle :)
MikkiSouth East Queensland, QLD
- 6 reviews
- 6 likes
Won’t help with refunds
I made a purchase and the retailer didn’t send me my items, I have been chasing a refund with the retailer for three months and I contacted afterpay who told me I have to go through the merchant. Well the merchant closed their business and I am left without my items and with no refund. Sent afterpay all the information including emails etc and they have said they will ask the merchant to refund me but the merchant has not responded. I have a perfect repayment history with afterpay, I’ve never asked for their help in four years and now when I do...
Read more they say they can’t do anything because they need the merchant to agree to the refund. So I contacted my bank and my bank contacted afterpay who removed my banks card from my account, suspended my account and sent me an email telling me to tell my bank that this transaction is fine and they will remove the suspension, they are asking me to lie to my bank (commit fraud) and they are blackmailing me with the suspension. They can keep my account suspended as I won’t lie to my bank and now I’m taking it further to the ombudsman. I will never use afterpay again, untrustworthy, customer service doesn’t exist, unhelpful, they use blackmail. I have requested my call recording today be emailed to me and the person wouldn't confirm he would, he kept telling me someone else would have to call me back in an hour. I asked to speak to someone now and I was placed on hold, after 35 mins of being on hold the call dropped out. Afterpay have already had three months to resolve. I DO NOT RECOMMEND. I RECOMMEND IF YOU ARE ALSO UNSATISFIED TO - Make a complaint via the https://www.afca.org.au/make-a-complaint so that a investigation can be taken into these types of matters. Afterpay should have a legal way to gain a refund without the merchant approving.1 comment
Isabelle C.Afterpay
Hi Mikki, I'm sorry to hear about your experience in trying to process your refund with a merchant. I have flagged this with our team and sent you a DM requesting further details so we can get in touc...
Read moreh as soon as possible to resolve this for you. Thanks, Isabelle.AddeyGreater Melbourne (Inner), VIC
- 9 reviews
- 7 likes
No buyer protection
I was ripped on by a Afterpay merchant that went into liquidation and when I approached Afterpay to arrange a chargeback they couldn’t get rid of me quick enough.
They don’t back you or provide any sort of protection like visa or MasterCard do.
They couldn’t wait to get rid of me and I got a basic email that told me they don’t get involved in refunds and you need to contact the merchant yourself.
I’d like to add they didn’t take anytime to review my request because it’s not a refund it was that I purchased something and had nothing delive...
Read morered and that the company kept taking online orders full well knowing they weren’t going to deliver as they were going into liquidation. I would expect Afterpay to vet their merchants better and provide fine sort of buyer protection. Sure they are great for the basic buy now pay later service but that’s about it.1 comment
Isabelle C.Afterpay
Hi Addey. Thank you for getting in touch. I'm sorry to hear of your experience and would like another chance to resolve this for you. I have sent you a direct message requesting further information so we can get in touch. Thanks, Isabelle.
Find out how Afterpay compares to other Buy Now, Pay Later Services
Know better, choose better.
SophieSydney, NSW
- 4 reviews
- 2 likes
Terrible customer service continues
Since submitting my first review I received 9 emails from afterpay customer service. “I just tried to give you a call and was unable to connect to the number”. I have my mobile phone with me at all times, no call received, no missed call. Afterpay are yet to resolve my account issue irrespective the error was made on their end.
I joined Zip Pay and made 2 purchases to date. Very happy with Zip Pay service.
I was about to submit my review I saw other reviews experiencing similar issues to mine. “People don’t use Afterpay, join Zip Pay”.
1 comment
Isabelle C.Afterpay
Hi Sophie. Thanks for reaching out. I'm sorry to hear we haven't been able to reach you and help resolve your issue. I have sent you a DM requesting further information so we can ensure our team have ...
Read morethe correct phone number to reach you on. Thanks, Isabelle.Refund
Have contacted afterpay regarding a refund and have not received a response. I have only received one part payment!!! One payment was cancelled and am still waiting for two payments. Apart from this I have had no problems at all. Only this particular purchase. An email was sent to say refund had been proceeded into my bank account but am still waiting
1 comment
Isabelle C.Afterpay
Hi Lisa, thanks for reaching out. Refunds with Afterpay can be a bit different than you expect, as sometimes you may get a refund before you fully pay off the order. I'd recommend getting back in touc...
Read moreh with us at info@afterpay.com.au so we can have a look at your refund and confirm what is happening. Thanks, Isabelle.Luke E.Hobart, TAS
- 2 reviews
- 1 like
Ok but could be better scam for fees
So late on a payment I get a $10 late fee then a $7 fee on top for not paying within 7 days. last I checked late was late also dont I gett punished by not being able to use my afterpay if a payment isn't made in time. so make it 1 or the other not all 3 punishments.
even tho the next payment not due for a fortnight what gives sounds like a scam getting a refund is hard and stupid
Zippay better to use with Google pay I think also using mobile as certification is useless if some1 gets my fone they get it anyway and if I don't have my fone I can't use it anyway so it's useless and can't use without net useless
Peter_AGreater Melbourne (Inner), VIC
Poor business model
Small business owner here,
Have clients wanting to purchase off me using afterpay so i tried to join.
Got a pathetic email saying something about me not meeting their requirements and they only offer trials to certain businesses.
Won't be looking at using them again that's for sure.
MichaelBraddon 2612, ACT
- 9 reviews
Love it
After pay is the best for me. I’m now able to purchase items and no initial payment on purchases. So I have two weeks longer. No fees or interest. I have the money to buy things but Afterpay allows me to save and receive interest from my bank and I always make early payments. This product is good as long as you can truly afford what you are buying. Fantastic if you want to pay something off in a couple of months.
1 comment
Isabelle C.Afterpay
Hey Michael. Thanks so much for your amazing feedback. I really appreciate the time taken to leave us a review and are so glad to hear you are loving using Afterpay. Thanks, Isabelle.
Questions & Answers
Marie J.asked
So my after pay account has been blocked for a while now I'm aware I owe them money but will they still help me once I pay it back or am I done for please help ???
No answers
Lachlan M.asked
I created a after pay account but my account was instantly frozen after I attempted to use it even tho I had the money in my account it declined it says I don’t owe any money
No answers
Annette S.asked
Have purchased gift cards in the past now I can't purchase any now. Why is this
Details
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Isabelle C.Afterpay
Hi Shef. Thanks for getting in touch - we really value all feedback so we can continue to improve our service. Our spending limits start low, and increase gradually over time if you are proven to be a...
Read more responsible spender. If you’re a new Afterpay customer, the amount you can spend will be lower than if you’ve been responsibly using the platform for a long time. We take the time to get to know you, and before each transaction, we assess your ability to make repayments on your short instalment plan using our real-time technology that stops anyone spending too much. But, just as there are circumstances which may lower the amount you can spend (such as missing a payment), good spending behaviour can increase what you can spend with Afterpay. Typically, the longer you’ve been using your account, spending responsibly and making repayments on time, the more likely the amount you can spend will increase. If you'd like to get in touch with us directly, our team will be happy to assist. You can call us on (AU) 1300 100 729 Mon-Fri 8AM-6PM (AEDT) or email info@afterpay.com.au. Thanks, Isabelle.