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Afterpay
4.3 from 1,396 reviews

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

Reviews

(1,048)
(94)
(28)
(40)
(186)
  • Transparency
    4.3 (436)
  • Customer Service
    4.3 (345)
  • Rates and Fees
    4.5 (327)
  • Application Process
    4.6 (334)

Awesome is After pay

published

I got $300+ worth of stuff,and I only have to pay it off with a quarter of total every fortnight until paid off,looking forward to buy more stuff about $300 each 8weeksthanks After Pay

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ALI

ALISouth East Queensland, QLD

Beware! Do not use Afterpay through the Ebay platform as Paypal will flag the transaction!

published
Transparency
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sue

sueSydney, NSW

excellent

published

i have been using afterpay for quite some time now. They have great service as well as helping you get the product you want with ease and affordable repayment plans. happy to be with afterpay

Customer Service
Rates and Fees
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Unhappy customer

Unhappy customerSouth East Queensland, QLD

  • 2 reviews

Easy to deal with. happy

published

When I returned the goods to the retailer. After pay process is easy and straightforward and credit to account easily. I am happy. There is no problem to order the goods or refund. That is what the customer looking for.

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The reviewer stated that an incentive was offered for this review

Kirra

KirraNew South Wales

Won’t be using again

published

Got a refund from afterpay they sent my refund to a cancelled account and told me it was successful, asking me to talk to my bank. Spoke to my bank and they said this could not have happened it would of bounced back they checked all accounts afterpay had said it would be in and nothing was there! Went back to after pay to tell them the bank doesn’t have the money and they told me they can’t help me. Worst service!!

Customer Service
Ben J

Ben JSydney, NSW

  • 3 reviews

Rubbish. Declines every time, even though plenty of funds available for first (or even full) payment

published

Just started using afterpay since I saw it was available on ebay. Used the app to generate a barcode to see how much I was allowed to spend. Was shown $400

Ok that fine. Heres how it went:

Try to buy a 16gb ddr kit on ebay. Payment bounced

Tried to buy a different 16Gb ddr kit on ebay. Payment bounced

Tried to buy a pair of dunlop volleys ($50 ish, payments would have been $13 something). Payment bounced.

Total waste of my time. I bought the shoes and one of the ram kits on my credit card, which was attached to afterpay (but now has afterpay blocked due to non performance).

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J S.

J S.

  • 3 reviews

Don't Use

published

I was late with a few payments, advised this to them and they gave me time to pay. I paid the account in full including the late payment fees and they closed my account? They refuse to let me use again?
This is a horrible way to conduct Business when I did the right thing and now treat me like this.
I have had my wife now cancel her account with you and will let others know how I was treated and be rest assured, they will close their accounts.
I work in retail and have this service and will now refuse to use it, you will lose...

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Chaneal J.

Chaneal J.Sydney, NSW

  • 4 reviews

Check your options

published

Even though a payment was late but was made prior to “incurring any fees” I have been barred from outright purchases basically it turns into instore shopping having to make first payment prior to start.
Contacted customer service but no help could not even indicate when what ever barring will be lifted. Makes it inconvenient so I’m definitely going to look toward other finance options in preference of ease of use. Zip latitude pay etc.

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Leonie

LeonieCentral Highlands and Goldfields, VIC

  • 4 reviews

Life made easy with Afterpay

published

Thank you Afterpay have been with you guys couple of years, in that time you have made my life easy. Living in rural town don't have shops. Since having after pay never go without, from tv clothes gifts for family to special treats like food delivery thanks Afterpay

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Worst thieves ever

published

Thought I'd try them out with a little transaction of $80, now in the middle of covid shutdown they think there above every other business and still charge late fees when there's no work no income they can go get stuffed never again customer service is also a joke

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So convenient it's great

published

Afterpay application worked straight away and I really needed afterpay at the time of purchasing my windscreen. It was super easy to organise when applying for afterpay. Highly recommended it.

Standingstrong

StandingstrongGreater Melbourne (Inner), VIC

  • 3 reviews
  • 1 like

They’re liars

published
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Alan Orr

Alan OrrDarling Downs, QLD

  • Verified customer

This is a great company and my life would be crap , without them

published

They are the best . The staff are fantastic and went out of their way to help me when I got locked out. Keep up the great work. Love buying things on Afterpay , as I had a stroke and hardly ever get out, so I love buying my stuff on Afterpay. Has made my life stuck at home great. thank you and all your great staff.

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Brooke41

Brooke41Southwest, VIC

  • 4 reviews

Terrible customer service

published

I've been trying to solve an issue with Afterpay for about a week and getting nowhere. Instead of helping, I receive robotic responses that do not explain why the documents I provide are insufficient to access my account. Very poor customer service. I'm not sure if it's because afterpay make their staff follow a script, but I'm getting frustrated by their lack of humanistic responses. I've always been a good customer, paying off my orders in advance. Very unhelpful.

Customer Service

Terrible service

published

They don't even check the authenticity of the merchant. only care about the money don't care about if the customer received the product or not. Won't using this service again

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Mrs mumpfy

Mrs mumpfySouth East Queensland, QLD

Thieves

published

They take money from your account without your permission you give permission for the day payment is due, but due to vivid 9 I have hit hardship instead of helping me they chose to attack my account anyway and took over $100 plus the due amount. Thanx afterpay, I don't have my rent now. And your not operating a customer service due to virus but NOT returning emails either. The very worst customer service I've ever had in my life.

Transparency
Customer Service
de9756687

de9756687

  • 6 reviews
  • 1 like

Perfect for me

published

Used this service for my cats flea treatment to start and now I use it for purchases that I can't afford up front.. Clear guidelines to follow. If in doubt, the customer service team,answer all your questions.. If you are struggling to make a payment..

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J costello

J costelloMetropolitan Adelaide, SA

  • 6 reviews

payment up front

published

after being a afterpay customer since they sated and have never paid up front never missed a payment myself and others have discovered since lockdown due to Covid 19 afterpay is now taking first payment out up front

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unhappy customer

unhappy customerMid North Coast, NSW

  • 2 reviews

Nasty tactics just because I complained

published

Due to being humiliated by an Afterpay agent multiple times. I want to close my account as apparently no one in management cares when I was bombarded with multiple emails each day for days in a row. I requested that due to cove-19 and I am personally affected due to a serious medical condition I told them about. They took all payments left at one time and now I cannot afford my medication that is urgent. No one has got back to me and I will now end up in hospital because one agent decided to be nasty and ignore my email requests to take one payment at a time until I could cancel. Clearly they don’t care as they are not answerable to the normal financial sectors guidelines. Be careful as they can turn nasty quickly

Transparency
Customer Service
Richelle

RichelleSydney, NSW

This is perfect specially those people big family.

published

Big help for big family like me that can't afford straightaway the stuff that need to be buy or in emergency like goods in household like fridge and washing machine.

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Questions & Answers

Adam e

Adam easked

Why is afterpay taking funds when I don’t have an order

1 answer
john smith
john smith

have you asked Afterpay i dont know why you would be asking here for

Drago512

Drago512asked

Ok so I want to use the Afterpay in store, and the limit is up to $1000. But if the item I want to buy is around $1500 can I pay the rest in cash at the counter??

No answers
Deb 54

Deb 54asked

If l can get Afterpay again went thru hardship payments in all payed lam in a better financial situation now to keep payments up thank u Debra moyle

2 answers
Standingstrong
Standingstrong

What? You made no sense. Please use punctuation. I don’t understand if that’s a question or babble.

Lachelle
Lachelle

I agree, grammar and punctuation is becoming defunct! Pretty soon everyone will be regressing back to cavemen lingo, one grunt for yes, two for no!

Get an answer from our members and Afterpay representatives

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