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
    4.9 (567)
  • Customer Service
    4.9 (492)
  • Rates and Fees
    4.9 (492)
  • Application Process
    4.9 (495)
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Reviewer Photos & Videos

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  • Verified

Excellent BNPL option

published

I was a bit sceptical at the start, but after using Afterpay for nearly a year now it has been excellent. You need to use this sort of scheme wisely.

Transparency
Customer Service
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Review collected in partnership with Afterpay

Love the app

published

I can track my spending and pay off my afterpay earlier than needed. It’s clear and easy to use. They provide all the information required and all the help you need.

Transparency
Customer Service

this is perfect for me coz i can save my money

published

more shop n give payment more time.it is amazing for me n friend.i can buy anything at here but please give more streetwear or hypebeast shop at here.thanks cheers afterpay

Transparency
Customer Service
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The reviewer stated that an incentive was offered for this review

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Louise S.
Louise S.Sydney, NSW
  • 2 reviews

A necessity

published

I use Afterpay all the time. I recently appreciated an email which addressed an error I’d made in store. One improvement to make would be fixing how the text appears when font size is set on the highest.

Transparency
Customer Service
Sean Haynes
Sean HaynesMetropolitan Adelaide, SA

Bloody brilliant I love it!

published

Making things easier! I love shopping and I wasn’t able too afford what I wanted until I got Afterpay. Any one can use it and it’s just a little ripper!

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Dan
DanGreater Melbourne (Inner), VIC

Made our spending more friendly.

published

Make us realize the value of pay after and being able to monitor your spending too. I like the idea that we can get the item we love without the guilt in spending our money in one go.

Transparency
Customer Service

Definitely the best part-payment option out there!

published

After-pay is hands down the best part-payment option out there. I absolutely love that you can purchase something, get it delivered and not have to pay for the order until a fortnight later. Sometimes it works out better for me if I’m running short that week. I do hope in the future they offer longer part payments instead of 4x part payments, however Afterpay is still my no.1 choice!

Transparency
Customer Service
Sess.ion
Sess.ion Greater Melbourne (Outer), VIC

Good but need to be able to extend repayments easily for max 5 days

published

Please allow to extend repayment for
3-5 days (payment is sometimes delayed with people’s income)
Would love to see the charge for late fee be lower also!!
Great overall and my
Go to but often get trapped in the repayment on time.

Transparency
Customer Service
Jackson
JacksonGreater Melbourne (Inner), VIC

Budget control, interest free forever.

published

Budget control, interest free forever. Save your money to pay interest, BNPL helping customers and retails during the COVID-19. It’s time to replace credit card into Afterpay, later on this year , it can be used in anywhere.

Transparency
Customer Service
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The reviewer stated that an incentive was offered for this review

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It’s a lifesaver perfect good app.

published

Afterpay is an fantastic App that helps out with financial situations or circumstances especially when your short of funds and are unable to pay upfront. It’s very easy to use and very handy to have.

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The reviewer stated that an incentive was offered for this review

David Kuill
David KuillSouth East Queensland, QLD

Great idea

published

Great way for me to budget and still purchase items what a great idea. Well done. Able to go out to restaurant buy Woolworths coles and Bunnings petroleum anything you like better than my bank

Transparency
Customer Service

Helpful

published

Helpful with getting the things I need when I need them, I got a lot of work clothes and utensils that I need in my specific field thanks to afterpay

Transparency
Customer Service
1 comment
Afterpay
Gretel C.Afterpay

Hi there. Thank you so much for your amazing review! I’m glad to hear you are loving using Afterpay. Thanks, Gretel.

Andrew
Andrew North-West & West coast, TAS
  • Verified

This is great, would recommend

published

Have used many times, absolutely love it. Would highly recommend, as long as you keep up with your payments then you should have no problems. Ideal for purchase of those last minute gift ideas.

Transparency
Customer Service
1 comment
Afterpay
Gretel C.Afterpay

Hi Andrew. Thank you so much for your amazing review! I’m glad to hear you are loving using Afterpay. Thanks, Gretel.

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

Review collected in partnership with Afterpay

Sarah
SarahSouth East Queensland, QLD
  • 2 reviews
  • 1 like

Afterpay is awesome

published

Afterpay is brilliant because it allows someone to afford more without placing them on a credit line that wouldn’t be as sustainable. I use Afterpay for our household &personal needs.

Transparency
Customer Service
1 comment
Afterpay
Gretel C.Afterpay

Hi Sarah. Thank you so much for your amazing review! I’m glad to hear you are loving using Afterpay. Thanks, Gretel.

This is great , Afterpay is the best

published

I love Afterpay, had it for years and I’ve never had a problem ,it’s great for larger purchases and things you normally wouldn’t buy ,I would definitely recommend to anyone

Transparency
Customer Service
1 comment
Afterpay
Gretel C.Afterpay

Hi Tania. Thank you so much for your amazing review! I’m glad to hear you are loving using Afterpay. Thanks, Gretel.

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.

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