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
- Verified customer
It’s awesome UNTIL you struggle one time.
I used Afterpay for a few years now. I’m organised with money & always paid my orders off on time & sometimes all at once. I made orders every week. I on, countless occasions even reached their maximum & still had no issues paying it off. I loved it, couldn’t live without it. However, recently I was out of work & had important things come up before hand. Like always, I turned to Afterpay not knowing I would be out of work. I couldn’t ask anyone for assistance so I requested an extension through Afterpay. All other services, whether it be your p...hone bill or a house bill give you that without consequence. As HUMANS they understand that people can naturally go through hardship time to time. I was in regular contact with Afterpay, they didn’t even give me an extension right away. It took weeks of moving due dates when I just didn’t have the money to pay large sums (over $100 at once) as there was a lot due. Then eventually, I went on a fortnightly plan of a certain amount until all of it was paid off. I stuck to the arrangement and there were absolutely no issues. The due amount was paid off & I get informed that they have closed my account. I was utterly shocked. Who would have thought that asking for an extension would mean you don’t get to use a service you have been using for years & responsibly. I couldn’t foresee my situation and even so, made my payments but just with the help of their arrangement. They punish you for having hardship in the first place. If I was owing an amount I would completely understand but the fact that I paid it off no problem.. I honestly can’t understand. I’m not going to go into the specifics because this review is quite long as it is but I have had a MUCH better experience with zippay and will continue to shop through them.
The worst Experience Ever!!!!!!!!!! fake liars data miners
the worst experience i have had in along long time with any company to do with anything. If you want get completely messed around and have the staff actively enjoy wasting your time and actually not achieve anything shop with Afterpay, they ensure there allowed to be corrupt, my account was frozen and now i need to send them "more" and this time"highly sensitive personal identification" so there phishing/ data mining and using this business as a cover for it. All emails i received from them were derogatory and stated the same information i had ...sent them so instead of replying they just repeated some text that you well and truly already knew. This company does not care for there customers at all not even slightly so much so that they don't even care what bridges they burn and that should tell you all how volatile and toxic this business is. The major issue is this all stemmed from trying to use there service with more than sufficient money, this company asks you to breach your own privacy to use there services and that is not a business that's a scam and i hope that there held accountable for it
Worst buy now and pay later service
worst customer experience ever out of all out buy now and pay later platform, keep telling you another answer which wasn't what you asking them when you contact their customer service team.
i was started off with a credit limit of $500 in level 3 of the covid 19 and got lifted up after awhile after i got the account to $600. my payment history is flawless always pay way ahead of time before my auto payment from AfterPay taking money from my card with them. They just decided to cut down my credit down to $300, and their responds was "As we enter...
Don't use after pay
Will never use this useless bunch of idiots. I provided the correct information in nsw we have digital drivers licence and they dont accept it. I have been using afterpay now for 2 years without any issues. Now this gess what u idiots i hope lots of people shut there accounts.
Keep clear dodgy
Used account for months, then was frozen. I asked why no response except send me your ID over email, to someone who is working from home yeah right ... . , Do they not realise that's how phishing starts?. Unbelievable I'm closing account, daf service beware using any of your CC details with these online unprofessional lot . I'll take my business to someone who values me.
Harsh and slow on backup and support
I have been a longstanding user of afterpay and never missed a beat in payments until this past week when I began to have concerns about a company Afterpay have a trading relationship with called HOUSE (.com.au). After writing to Afterpay they were very slow to respond in solving the issue. I referred them to the bad reviews on the web including here of HOUSE and the fact that HOUSE appeared to have taken a business loan of about $1.2 million from mafia related crime figures, still nothing, still an Afterpay retailer and still no confirmation f...rom Afterpay after them contacting house about my replacement item. Afterpay appear and usually are a credible and good company but their association with HOUSE requires termination because HOUSE are providing goods they refuse to backup or service and in some cases don’t supply after payment. By association Afterpay look bad recommending a shonky service like HOUSE
Was a fan
Have been using afterpay for a couple of years, all good never missed a payment. Now suddenly they have a declined me for no apparent reason. I checked my account there is nothing wrong. I have never even had more than a couple hundred dollars on there. Perhaps they think I’m using it too much? Oh well I won’t use them anymore. I don’t need them it was just somewhat convenient. Way to annoy your customers.
App is glitched when trying to make additional payments.
I had decided to put some money towards paying off my after paying account a bit earlier and in doing so, the App glitched after every attempt of payment. I’m thinking that they might need to update this part of the App so people can make extra Payments without the frustrating battle.
No buyer’s protection in case of return
Be aware! Afterpay offers no buyer’s protection in the event of returning goods.
You have to contact the seller and if they are not giving you the refund or delay in process your refund - you’re screwed.
Afterpay offered ZERO support and said they cannot help as they would be liable to the payment if seller doesn’t refund. It’s a joke.
Compared to PayPal where dispute is easy to handle and they protect consumers, I will not use Afterpay any more.
Refuse to take take credit card details off their system
4+ stars NO surprise!!
I give Afterpay (Hi) 5 stars, so easy and so good, the ZipPay and other simmer options rejected my applications, but I got approved by Afterpay (No sponsor). I'm shopping with Afterpay for about 3 years now! I never missed a payment because they are too good (Afterpay).
Rude & Bad Customer Service
I paid for an order where I never received my goods. Nothing but stress for 3 months due to Afterpay not chasing up shady business like The Home And Party Shop. Afterpay promised me a refund, out of $116 they’ve only refunded me $29. And still have not replied to my enquire where the rest of my money is. Worst customer service and worst business ethic of practise.
DO NOT USE
I used this for the first time and within 5 minutes of processing I got a call from my bank that there were fraudulent charges trying to be made on my account for over 500 dollars. I now have to cancel my card and go get a new one. I ended up canceling my order and replacing it and paid with my paypal instead. What a hassle!!!! Customer beware, SCAM!!!!!
Questions & Answers
I made two different orders and fully paid one off in two days. I went to the app and hit the button for the card and now it’s saying i cannot be offered the card at this time. Why is that?
Do I get the item after I made the first payment
Hey Keagan. That's correct! Afterpay allows you to buy now and pay later, which means can enjoy your purchase while you pay it off overtime. Please not that how quickly you receive your item will depend on the shipping options available at the store you purchased from. Thanks :) Isabelle.
I am trying to pay off my balance, but every time I press make payment it says "Sorry we have encountered a problem."
ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.