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Afterpay
4.2 from 1,527 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

4.2

1,527 reviews
5
(1,098)
4
(101)
3
(34)
2
(49)
1
(245)
  • Transparency
    4.0 (554)
  • Customer Service
    3.9 (465)
  • Rates and Fees
    4.2 (442)
  • Application Process
    4.3 (451)
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Sëa

SëaGreater Melbourne (Metropolitan), VIC

Inconsistent and unreliable

published
Transparency
Customer Service
Application Process
Juliana Y.

Juliana Y.Sydney, NSW

Amount Available To spend

published

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.

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herman

hermanGreater Melbourne (Metropolitan), VIC

Discusting useless customer service, even by supervisors!!! avoid afterpay!!!!

published

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!!

Transparency
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Rachael

RachaelGreater Melbourne (Metropolitan), VIC

Love Afterpay but dislike App update

published

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.

Deborah

DeborahHunter Region, NSW

  • 3 reviews
  • 1 like

Shocking customer service

published

Not helpful, just out to have people shop and get into debit. Be careful you will not get any satisfaction out of this company and they will not help you. It is making you spend excessive.

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Natasha L.

Natasha L.

  • 2 reviews
  • 1 like

Appauling do not do business with!!

published

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!

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Bonnie

BonnieGreater Melbourne (Inner), VIC

I lost $80 and afterpay wont do anything about it

published

I am taking Afterpay to Fair trade ombudsman.
I was scammed $80 and Afterpay refuse to help me get my money back at all, say its my own problem. Will never use Afterpay again.

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AspenKat

AspenKatSydney Surrounds, NSW

  • 5 reviews
  • 1 like
  • Verified customer

Happy to take your money, not so with issuing refunds.

published
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Simba

SimbaSydney, NSW

  • 4 reviews
  • 2 likes

Afterpay vs No interest Credit Card

published

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.

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Unhappy xcustomer

Unhappy xcustomerWide Bay-Burnett, QLD

  • 4 reviews
  • 10 likes

They lied to me

published

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.

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Viper6

Viper6

  • 34 reviews
  • 27 likes

Rubbish app and service

published

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.

Shane D.

Shane D.Greater Melbourne (Inner), VIC

  • 2 reviews
  • 2 likes

A little difficult, could be better!

published

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!

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trompfy

trompfyGreater Melbourne (Outer), VIC

  • 188 reviews
  • 56 likes

Rude staff and terrible customer service

published

They clearly don’t care about loyal customers. I would never recommend using them at all and I will tell everyone I know what has occurred and try and get them to use any other facility.

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Arnold Labares

Arnold LabaresSydney, NSW

Afterpay account website inutile

published

I purchased sunglases via Afterpay. I set another debit card as my primary after 1st of 4 payments. On my second payment Afterpay still debitted from my previous debit card.

Transparency
Customer Service
Simone B.

Simone B.Sydney, NSW

Great! Never been a problem

published

Great way to purchase something when you don't have the cash at hand, just like lay-by, never any problems, any problems someone is always there to help you out, will totally use again

Customer Service
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xxx

xxx

  • 11 reviews
  • 7 likes

Have changed to zippay

published

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.

Dan

DanSouth East Queensland, QLD

Extremely terrible customer service

published

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

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Simone

SimoneSydney, NSW

  • 8 reviews
  • 5 likes
  • Verified customer

Very upset with how I’ve been treated.

published
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Tyson

TysonGreater Melbourne (Metropolitan), VIC

  • 2 reviews
  • 3 likes

Terrible customer service and refund process.

published

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!

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kylie3535

kylie3535SYDNEY

  • 8 reviews
  • 15 likes

Terrible Customer Service

published

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.

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Questions & Answers

Aunt M

Aunt Masked

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.

No answers
JFo

JFoasked

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.

1 answer
Sëa
Sëa

That’s what happened to me. No explanation just frustration. Don’t even bother with seeking help from their customer service. Useless robots.

Dave H

Dave Hasked

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

1 answer
Shane D.
Shane D.

Sorry, Dave. I have no idea, I'm not afterpay, I'm just a customer!
Suggest you go to https://www.afterpay.com/ and try the help section at the bottom.

Get an answer from our members and Afterpay representatives

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