1 photo
Afterpay
4.0 from 1,885 reviews · View Statistics

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

  • Transparency
    4.0 (34)
  • Customer Service
    4.0 (33)
  • Rates and Fees
    4.2 (30)
  • Application Process
    4.4 (30)
Previous
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Walter C.
Walter C.Perth, WA

Love it works for us !!!

published

Gives us freedom over time to pay off what we purchased and love the interest free , flexibility and coverage of merchandise available with Afterpay. Thanks for making this App. We enjoy it.

Transparency
Customer Service
1 comment
Afterpay
Gretel C.Afterpay

Hi Walter! Thank you so much for your great review! We love hearing from our customers and are constantly working to improve our service. I’d love to hear how we can get your 4-stars to a 5? Thanks, Gretel.

PaulJ
PaulJPerth, WA
  • 2 reviews

A New Style of Lay-bys.

published

Afterpay is great! Just remember to stay within your budget. If you do then it’s an amazing opportunity. You have a unique opportunity to shop and receive your products from many shops and pay off with instalments.

Transparency
Customer Service
1 comment
Afterpay
Gretel C.Afterpay

Hi Paul! Thank you so much for your great review! We love hearing from our customers and are constantly working to improve our service. I’d love to hear how we can get your 4-stars to a 5? Thanks, Gretel.

Love it!!

published

Love having the choice of Afterpay when those amazing buys come up and I don’t wanna spend it all at once and I can take home now and pay later!! Life saver

Transparency
Customer Service
1 comment
Afterpay
Gretel C.Afterpay

Hi Dannielle! Thank you so much for your great review! We love hearing from our customers and are constantly working to improve our service. I’d love to hear how we can get your 4-stars to a 5? Thanks, Gretel.

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it’s great

published

it’s great when you need something asap like for moving into a new place and needing bedding
love it sooo much! would recommend for sure!
good for everything actually!
love

Transparency
Customer Service
1 comment
Afterpay
Gretel C.Afterpay

Hi Angel! Thank you so much for your great review! We love hearing from our customers and are constantly working to improve our service. I’d love to hear how we can get your 4-stars to a 5? Thanks, Gretel.

Really great

published

Afterpay is great, they needed a little more clarification on how to use the card when it came out. As when it's in your Apple ph it doesn't work at all

Incentivised ReviewNo
1 comment
Afterpay
Gretel C.Afterpay

Hi Natalie! Thank you so much for your great review! We love hearing from our customers and are constantly working to improve our service, so I really appreciate your feedback. Thanks, Gretel.

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  • Verified

There are a few things that could be better

published

Which you didn't have to pay the first payment for gift cards, that would be great and a lot easier for people need things a day or two before there pays

Transparency
Customer Service
1 comment
Afterpay
Gretel C.Afterpay

Hi there! Thank you so much for your great review! We love hearing from our customers and are constantly working to improve our service, so I really appreciate your feedback. Thanks, Gretel.

Similar opinion? Write a review on ProductReview.com.au!

Review collected in partnership with Afterpay

  • Verified

Could reward better

published

Could do more reward for people who pay on time and have more place who do in store and more store to choose from like dentist and doctor would be great

Transparency
Customer Service
1 comment
Afterpay
Gretel C.Afterpay

Hi Jeff! Thank you so much for your great review! We love hearing from our customers and are constantly working to improve our service, so I really appreciate your feedback. Thanks, Gretel.

Similar opinion? Write a review on ProductReview.com.au!

Review collected in partnership with Afterpay

This is perfect and can’t live without it!

published

Easy to use and allows you to pay and control up coming payments. Smart and budget forecasting makes it fantastic. Say, good bye credit card and hello flexible easy payments

Transparency
Customer Service
1 comment
Afterpay
Gretel C.Afterpay

Hi Gene. Thank you so much for your great review! We love hearing from our customers and are constantly working to improve our service. I’d love to hear how we can get your 4-stars to a 5? Thanks, Gretel.

DazB
DazBGreater Melbourne (Outer), VIC
  • 5 reviews
  • 1 like

Afterpay resolved the situation

published

After some miscommunication with Afterpay regarding an issue that I wasnt pleased about, The Afterpay customer service team contacted me fairly promptly and resolved the problem to my satisfaction
Cheers

Transparency
Customer Service
1 comment
Afterpay
Gretel C.Afterpay

Hi Daz! Thank you so much for your great review! We love hearing from our customers and are constantly working to improve our service. Thanks, Gretel.

Buy Now, Pay Later Services

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Smooth transactions, great customer support.

published

Really easy to use, if there is a problem, you can negotiate
Applying is straight forward. Reminders when a payment is due, would definitely recommend over Zippay.
Great and helpful customer support!

Transparency
Customer Service
1 comment
Afterpay
Isabelle C.Afterpay

Thanks for your amazing feedback Rebecca! We'd love to know what we could do to get to a 5-star rating? :) Thanks, Isabelle.

Lisa
LisaAU
  • 5 reviews
  • 3 likes

Pros n Cons

published

Pro is I love it for small purchases.. but now I have noticed when using it yesterday in store I been given 3k limit.. so the con would be I and I'm sure other people wouldn't use that much as you only get 4 payments to pay it off sadly.. maybe allow a longer payback if we're given that much to use like ZIPPAY..

Incentivised ReviewNo
1 comment
Afterpay
Isabelle C.Afterpay

Hi Lisa. Thanks for getting in touch. We are always eager to hear from our customers so appreciate your review and feedback. Thank you, Isabelle.

Afterpay playing dodge ball

published

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.

Transparency
Customer Service
1 comment
Afterpay
Isabelle C.Afterpay
CTY
CTYHobart, TAS

very easy to use and keep on track with your repayment

published

I love this and have been using this for most of my online shopping. It helps me to keep on track of my repayments with no fuss. using afterpay actually help me to save more money! I won't do more than 2 purchases unless I have fully repaid everything!

Rates and Fees
Application Process
Incentivised ReviewNo
1 comment
Afterpay
Isabelle C.Afterpay
Justin M.
Justin M.Metropolitan Adelaide, SA

I’ve found on 3 occasions I have not had funds in the right a/c when they debited But they give you 24 hours b4 late fee

published

If you call afterpay when u miss a payment they always give time b4 charging late fee. It says so in the text example; Urgent - your Afterpay payment of $8.26 has failed. Pay now at afterpay.com to avoid a $10.00 late fee. Order # 14460xxxx

Transparency
Customer Service
2 comments
Justin M.
Justin M.

Most cash businesses make cash hand over fist, so inner business workings must always b taken with a grain of salt

Afterpay
Isabelle C.Afterpay

Hi Justin. Thanks so much for your review! We appreciate the feedback. Thanks, Isabelle.

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
Incentivised ReviewNo
1 comment
Afterpay
AFTERPAYAfterpay

Thanks for your feedback Simone - glad you are enjoying shopping with Afterpay

Buy Now, Pay Later Services

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Questions & Answers

Steve
Steve asked

Why would my limit go from 3000 to 2000 and Ive never missed a payment?

No answers
melissa m.
melissa m.asked

I've never missed a payment with afterpay now my spend limit has been reduced from $3,000 to $2,000 wtf???

1 answer
Angela S.
Angela S.

Same thing happened to me today. Never missed a payment either. Think I’m gonna call them

Amber F.
Amber F.asked

I have had afterpay since 2015 or 2016 and spend 1000s with you, im on pulse rewards until mid 2022 never missed payments, always paid early, and recently i have a 3000 limit for in-store use and now its 2000 so why?

2 answers
Suzi W
Suzi W

When this happened to me I was told that I had too many orders (even though I owed $227) and it takes 24 hours for the ‘system’ to recognise payments. I made a number of payments on 3 June but in the early hours of 4 June my limit decreased by $1000 for six hours. Restored now. I really think that Afterpay needs to stop with the algorithms.

Essie
Essie

I had the same I just checked and mines gone down to $2000 from $3000 also.

See all Afterpay questions

Get an answer from our members and Afterpay representatives

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