Afterpay: Pay over time App Reviews

Ok App. My first two purchases went through without a hitch but the next purchase ($45) got declined even though I had what they stated was a possible spending limit. Thier disclaimer is ridiculous. If I'm going to get declined for further purchases then why even put that amount there. All other bnpl apps give you exact dollar amount you are allowed to spend. I had no issues with payments until I had to get a new debit card. I put the card in and I thought I made it my default card but when my payment was due they tried the old card ( it didn't let me take that one out) and the next day I get a text stating my payment didn't go through. I went in and immediately made the payment choosing the correct card. A week later I noticed that my spending limit went down to $16 even though I had only one account with a balance of $33 left. I do not plan on making another purchase ever again with Afterpay. Klarna and Zipit are much more user friendly. You can add and delete cards at anytime, the amount your allowed to spend is clearly displayed without a disclaimer and it is immediately impacted when you make a payment. Klarna allows you to change due dates and the dates can even be out by two weeks. The customer service woth afterpay is terrible as well. It took almost four days for them to respond to my email versus an immediate resolution with Klarna chat.

No able to use the first 6 weeks. i usually don’t write reviews but this is crazy.. so I’m new to the app everything looking good.. going smooth until when I tried to make a purchase it kept saying I was not approved.. which was kinda weird because they had already pre approved for 600.. I contact support and they had told me "within the first 6 weeks you are limited of what you can spend" so I replied back saying "ok can you guys give me a sure amount that I can spend so I can go ahead and start building more purchase power" they had replied back "we can’t give you an amount but we do make fresh decisions each time you try pay in 4 options" so I went back to finish line.. saw some 55$ Nike shorts, and i was thinking they have to approve this like cmon it’s just 55.. and when I proceeded to my order.. I was not approved.. for a 55$ purchase.. so they say you’re limited, but from what it looks like.. you can’t use afterpay until you’ve had it for 6 weeks.. i like the app it’s good and can be very useful for me getting my business equipment.. but saying I’m approved for 600 and not letting me actually use the 600 is crazy… other than that the app is great hope you guys can fix this

So convenient!. I signed up for Afterpay a year ago and was given a nice spending limit. Most buy now pay later apps only start you off with $100-$150 & Afterpay started me off with a lotttt more. Which was a plus. My spending limit is now in the thousands! (With good payment history) Afterpay had a chat system for customer but I no longer see that feature anymore. Instead you have to email customer service through the app, but each time I emailed them or started a ticket, I received a response within 24 hours. Which is also a plus. There’s only two cons in my opinion. 1.) If you don’t make a payment on time you’ll lose your entire spending limit & they’ll start you $0! I had to get a new card & forgot to update it on the app. Afterpay is set up with automatic payments so I didn’t think to check my email. The very next day my spending limit was at $0! I was able to contact customer and they were able to rectify the issue. Although my spending limit wasn’t what I started with, I was completely fine with that because at least it wasn’t at $0 anymore. I did have to work my way back up which didn’t take long at all considering I use this app frequently! 2.) I wish good payment history is reported to the credit bureau! If it was, this app would do wonders with helping people build credit. Especially if a person doesn’t have any!

There’s no point in this system.. My afterpay was approved. I’m thinking great this is perfect especially with back to school shopping coming up, price jumps and gas prices I’ll be able to get some shopping done worry free … WRONG. I’m approved a dollar amount, after my first purchase I try again you know now that I kno I’ve been approved.. purchases are declined. Not an outlandish amount total purchase was under $80 leads to an installment of under $ 20 declined still I reach out to customer support, I’m given a very vague response. Ok w.e I’m thinking I get it the stores are all different. Declined again and now I notice my approved balance has lowered.. i reach back out and was given a response “ it was lowered due to multiple declined purchases “. so I’m being penalized because afterpay isn’t allowing the purchases..How am I supposed to use something that I’m approved for but yet being denied. How am I supposed to know if my purchases will be approved or not without trying?Especially when I just used it? How am I supposed to advantage of this installment service if I’m denied and then given a lower amount that. Ultimately, is going to be denied and just continuously lowered and then, I’m gonna be held accountable and penalized for that, THE CUSTOMER??! HORRIBLE. 0/10 WOULD NOT RECOMMEND I’ll pay off my current purchase and will not come back.

Great company terrible customer service. I started using Afterpay in the second half of 2023. I really did appreciate it and since I was using it so often, my rank did grow exponentially although during the holiday season, I was having a little bit trouble with my baking information I’ve tried to get in contact so I don’t have a late payment but the second, my payment was late they took all the money that I had for the four installment pay. I message customer service three days ahead of time that my card was not working and I wanted to change it recently. I’ve had another issue and I’ve been on delivered for the past six days, I don’t understand how you expect to run a company and then once the customer makes one mistake treat them so terribly I’m still not able to change my card and to be honest after I’m done paying all my debts, I’m gonna delete the app because this is ridiculous and a bad habit so if you’re reading this, I wouldn’t recommend Afterpay unless you 100% need it. Don’t be using it for every day needs only for something that you really need at this point in time to be honest if you really don’t have it, you shouldn’t be spending it point blank, I appreciate it my time with Afterpay but I think it’s time for me to start spending based on what I have and what I have

Disappointed after recent changes. I have been an active user of AfterPay for years now, I am on a single income managing bills as well as only getting paid once a month. This service was GREAT! At first there was levels you would reach when reaching certain requirements. I reached the highest to where you had wonderful features like postponing the first payment (taken out automatically when used) to two weeks. Then the AfterPay Plus card was made available to me buy only paying a certain amount a month to be able to use AfterPay anywhere ApplePay was offered. It’s been upsetting to see the changes lately to where all of these wonderful features has been taken away to where I can’t use it like I use to and well I really depended on it to better manage my finances with only getting paid once a month and no other income to reply on besides my own so these features was super helpful to not have to use any credit cards and basically not going into debt in this economy rising it was super helpful to use this with groceries and even certain bills. Now that all these features have been disabled I just don’t see myself using this as much anymore and will be using another service that offers better options.

Convenient. Easy to use interface, helps locate a variety of stores big & small businesses and offers certain discounts regularly for use when buying from one of their participants. Payments are spread out over a 4 payment schedule. As each payment is gets close to being due they send reminders to you of the actual due date as well as the price for that installment. You can pay it off completely with no additional charges or pay more than one payment at a time which is assigned to the correct purchase installment. I’d say it sorta resembles an online Lay-Away program only in this modern day and age you get to receive & begin enjoying your purchases right away as long as you pay the first payment upon checkout. This app handles it all beautifully, all the info you could need or are looking for is readily accessible within the app and I’ve yet to come across any glitches or issues. Only request I’d have is that it would be convenient to be able to forward a detailed receipt via email if for any reason you need to.

The best to have. I love being part of Afterpay I’ve been with them almost a year now I believe . I had bought something on line and this popped up as a option for me to use so I tried it and was approved at first wasn’t a real big amount like $50 but I was very appriciated for that so I had used it and paid it off like couple or three times and than next thing I looked and it had went up to like $300 than $500 and so on so they really great about increasing ur credit balance and fast too you dnt have to wait 6 months or year to get a increase as long as u use them and pay good few times you’ll see it going up but if I do miss a payment u can loose all so make sure and stay up with them with a reminder even cause they are great to have no interested and before you realize it it’s paid off in full I have use in store purchase and that’s also great I just wish they had more of the in store they only have few that offer that right now but hoping they’ll get more stores to were u can use the in store options never have I had a problem with returns yet either taken care of and fast so of u get a chance to apply for this go for it you won’t regret it it’s the best thing ever I love it and will continue with them as long as they are there .. thanks Afterpay your very appreciated just get some more in store options

Fantastic Idea Verses CC Debt!. This popped up when I was making a purchase online from somewhere else and decided to go ahead and apply… I was immediately approved for $300 of credit line and when I paid that off, I turned around and bought a pair of pants that I’ve been dying to get from White House Black market! My favorite turquoise pants ever that were over $200! It makes it extremely easy to get what you want when you don’t have the funds immediately or don’t want to use your credit at that particular time because there’s no interest and no application fee. I was approved within less of a minute and once I paid off my first two purchases, my credit line is now up to $1200! I saw that someone stated something about insufficient funds when it’s payday for AfterPay and all I can say to that is, if you’re living day by day (week by week/payday to payday) financially, you probably shouldn’t be shopping online anyway… 🤦🏻‍♀️🤷🏻‍♀️ This person was complaining about insufficient funds because she couldn’t make her payment on time, again.. don’t play the “Rob Peter to pay Paul” type deal. If you can’t afford to shop, simply do not shop! (They do NOT report to credit bureaus nor will it help your credit score) It’s simply a great way to shop especially right before Christmas! Thank you AfterPay!

Terrible company. Very upset with this company, I started back using them years later, it’s been nothing but problems with customer service, they would constantly freeze my account if I tried to go through with a order AFTER telling me to try again, first time was because my account was magically picked to make sure there wasn’t fraud, they ask me to send my I.D then stated to CLOSE MY ACOUNT just because my I.D address wasn’t the same as my AfterPay account address which was silly cause like I said I just started back using them, haven’t even got the time to update my address on the account, second time was because they stated there was no connection on my side which was a lie, this is a brand new IPhone 15 from Verizon that I had for a while now, my connection works great everywhere else I go, and everytime I reach out for help, they constantly make me send my proof of bills over and over and over and over, everytime I reach out to customer service, they take days to respond and it’s always a new person, not the last person I was talking to, very disappointed in this company….everything should not always be computerized either!! I asked them to please just delete my account since I am not able to click on the Close My Account button in settings which is weird, it isn’t letting me…. I have screenshots to prove it all

Great company!. This company is the best! They offer so many different options for shopping. They are very generous with their amounts they offer to customers. I signed up a year ago due the Christmas season as a trial for myself to see if these type of companies are worth using, and let me tell you this is legit. They started me out at 300 at first, which I believed was very fair. I made 2 different purchases for Christmas gifts from different vendors and made the convenient 4 payments. Then after proving myself, as soon as the next month they raised my spending limit significantly. This company is very generous with their credit raises and they are also quick to recognize and reward the customer that presents good payment history. They also have a virtual card that you can use at vendors like Ulta where you can shop in store and make payments that way if you preferred. I haven’t used that feature yet but that too is a great option if you’re out and about shopping. For example,the rewards include having the option of making bigger purchases and paying monthly as well as bi weekly. I have not had any problems with returns either. They are quick to refund any overage amount and you don’t have to wait weeks for the return of funds, it’s immediately refund back to whatever card you used. The payments are small and manageable. This is a great company, I highly recommend! Thank you AfterPay! I’m glad to be a customer!

Beware they do not protect you as a buyer. On 4/6/24, I placed an order on Temu. I was scammed. Temu provided a tracking number from UPS that showed on Temu’s website shipped. I decided to check on UPS website for the update after close to 3 weeks. UPS website stated a label was created but the package was never sent to UPS to be shipped. I filed a complaint with Afterpay and provided them with proof of the tracking number which Temu provided Afterpay with the same tracking number. Afterpay stated even though they have the evidence that a shipment was never completed they don’t get involved in shipping disputes. I was like are you kidding me? I have a great customer relationship with Afterpay. I always pay on time never had an issue and this is how you treat a loyal customer. You don’t protect your customers at all. I filed a complaint with my bank where Afterpay takes the money from and sent them the tracking info. The bank confirmed I was scammed and immediately issued a refund saying Afterpay has a responsibility to protect their customers and if they won’t do it the bank said they protect their own. Shame on you Afterpay for being in business with a company who scams your loyal customers while you sit and watch.

Shopaholic’s Dream. I love Afterpay. A little TOO much lol. I’m thankful that it only allows me to have only 4 open orders at a time because I have an insane shopping problem. But it’s so convenient and easy to use. My credit is not that great either and they didn’t check my credit or add any ridiculous additional charges (if they charge anything at all). I wish I could use Afterpay to build my credit tho! Lol. I’m impressed with the variety of stores that allow you to pay with AP. I used it through Finish Line for shoes, Buy Buy Baby, and I recently purchased the DB Method squat machine using AP. I’m hoping to get a nice tv! The app and site are easy to use and viewing your orders and payment schedules is not complicated at all. You can also change the payment date or get an extension. I’m also very pleased with their response to refunds. I had a package from Finish Line get stolen and I was able to get a refund easily without dealing with anyone but Finish Line. No having to go and file any reports or claims or making any annoying phone calls. All smooth sailing. I love this dang app so much LOL.

Great App. This is the only App I’ll ever write a review on! It’s great! I’ve never been able to shop more comfortably in my life! I’ve been using after pay for a while now and I have been able to redo my whole wardrobe and then some! I recommend this app/payment method for anyone who is hesitant to shop. They split the payments in 4! And you pay every other week... and with all these new updates they make it a lot easier if you need to make smaller payments in between, reschedule a payment for whatever reason or pay your items off early if you can! I definitely RECOMMEND Afterpay. Also the most professional rather than those other Apps (I won’t say). I may have had one issue with Afterpay but it wasn’t even there fault it was the company using Afterpay. But they are super fast with refunds and great on customer service if ever there is a issue. USE THEM! Only negative I have: I wish they had more electronic, household, and shoe stores. And if we could put our favorite stores in a list or put a star by them that would be great!

Don’t fall on hard times!. This app is great I really loved using it while I had it but unfortunately I fell on hard times due to my house catching fire and losing everything. They have a section where you can submits a hardship request so you have time to pay them back. I submitted that form and was set on a payment plan so I didn’t lose my account I even sent in pictures for proof, there wasn’t a specific date that I had to be caught up by so I figured as long as I get the account paid I’d be able to use them again. WRONG even though before my tragedy I was on time with all of my payments and always paid my balances off they didn’t take that into consideration. So what’s the point in reaching out for help? I don’t think this is fair as I have a good payment history I just needed afterpay to work with me while I recoup from losing every owned. The app is great but make sure these people get their money no matter what. P.S paying your balance doesn’t mean they will let you use your account again so keep that in mind, they will take your money no problem but they will lock you out of your account.

Love this company!!!. I hesitated to buy any items that I couldn’t pay for or that I had wanted for a long time that were a little out of my price range. I came across Afterpay and absolutely love that I can now get the items I want and pay in four separate payments instead of all at once!!! This allows me to buy things I never could afford before because if payment installments I now do not need to take a large chunk of money and splurge once or twice a year instead I can buy whatever I want and pay over the course of the month. For the average working person this is an awesome app and awesome way to love a little luxuriously more than maybe you could have before this app was invented. I make my payments on time and am never charged any extra paying only for the items I purchased but if you are late the fee is not real exorbitantly high. Thank u Afterpay you guys seriously rock!!! You carry a lot of my favorite brands and look forward to the day that you have Too Faced cosmetics added to your growing list!!!

Very Frustrating. I first started using Afterpay last month when I made a rather large order. The idea and the concept is really cool but the app is a pain to use. I made the first payment on my order two weeks later as scheduled and it gave me a notification saying that the payment went though and it gave me my new remaining balance. Two days later, me email gets bombarded with emails from Afterpay saying that my payment was declined and they had tried to take the payment over and over again when it didn’t work the first time. When I first authorized the payment on the app, I had the money to cover the payment. When they tried over and over again to make the payment, it overdrafted my checking account and put me in the negatives screwing me over for groceries. Just recently, I had to make a switch to a new debit card through my job and when I tried to add it to my payment methods, it kept saying “Oops! There was an error in your billing information! Please try again!” Even though all of my info was correct. I went to the customer support section and found out that until the first order that you made is completely paid off, you can’t add another payment method! This service is not convenient at all and is a massive headache to try to use. I am going to pay off what I owe and I’m never using Afterpay again. I definitely would NOT recommend them to anyone.

I love it but …. Meh. I love after pay I would give it five stars but I noticed they don’t have as much stores available as Klarna does and you hardly even get any type of discounts at all and if you do you have to spend a crazy amount of money just to get these discounts in one store which I think it’s ridiculous because I’ve purchased many things and I haven’t got one good deal on the other hand Klarna I literally only made one purchase with them and completed it and they gave me $10 off my next purchase for whatever store and I didn’t have spend any amount of money at all or anything just to get that $10 off and I’ve only made three purchase with them so far and I’ve gotten multiple discounts and Cashback I will definitely not be using Afterpay after I Pay off whatever I have left on Afterpay I really wished I would’ve started using Klarna before I got involved with afterpay also on Klarna after so many purchases which I’ve only done five or four you get to choose to do monthly payments also I purchased over 10 things in Afterpay and I have not gotten that type perks like this

Sooooo Amazing especially when on a budget. After pay is an amazing way to pay as you go! Sometimes I just can’t make the payment all at once, whether it be the kids needed something, a new bill or even prices going up….. so once I found out about after pay I started using it where I could to help spread out some of my payments until the next pay day or at least until I was able to make a little extra side money! You always want to make sure you never miss a payment! It is still very a bill that needs to be payed even after you receive the products! And I’m sure it will very much go on your credit if you don’t! And nobody wants that. It’s convenient for me in this season of my life where I took a big pay cut! You can even reach certain tiers when paying your bill on time and with that earn rewards! So you save money, you get the product to you before you fully pay it off, you earns rewards and you can use it for many of your popular places in store or online; I mean who would want to try and utilize this option 🙌🏽! Thank you 🙏 Afterpay, for even being an option!

Used to like, but now I have reservations.. I used to use Afterpay a couple years ago more than now, and since then I haven’t come back because of system problems. I just redownloaded the app because I wanted to make a purchase that was about $80. This is not the largest order I’ve placed through Afterpay, keep in mind. The home page says “due to issues with your payment history we have blocked your account”. My past due balance was a total of $5 that I had forgotten was on there, but other than that I always made my payments on time and hardly ever had extensions. That $5 overdue balance was from 2023. Now it tells me that in order to get my account unblocked I need to pay off my past balances, cancel any recurring subscriptions and pay any late fees. All of which I have none. I have had no outstanding balance because I haven’t used the app for several years. The AI chat assistance feature isn’t much help either. I don’t write reviews often, but I feel as though there should be a better support system in place for users in my situation. It’s incredibly frustrating by the lack of support and deters users from wanting to use the app.

Incredibly Genuine No Fee Payment Plan. Having had credit issues in the past that continue to hang on me like a dark cloud and dissuade credit card companies to accept my applications for credit, even businesses that can see from my purchase histories I spend hundreds of dollars on certain products consistently and paid in full. Afterpay for some unknown, Heaven sent reason offered me credit and once I paid on time and consistently for a few higher dollar value purchases, has given me a $2,000 credit line and in all honesty, a sense of financial self respect that no other issuer of monetary credit, even my BANKING INSTITUTION, that knows how much money I have and regularly earn from my job paycheck deposits. I am so grateful to have found Afterpay and be able to feel the sense of self respect that comes with being able to buy certain things that I benefit immensely from bring able to pay off over time, so I can realistically still pay my rent, utilities, heat, internet, etc. and as a hard working single mother still enjoy some of the other things we need or want in life that I otherwise would have to choose between it and the former said expenses. Thank you, Afterpay for existing and for giving me a quality of life that I couldn’t have otherwise in my current financial situation.

Awesome. Well I’m ashamed to say I don’t have the best credit and after trying many “split payment” apps and getting the runaround and a headache I was skeptical to download Afterpay. I finally did and everything about this service is perfect for me. Easy to use (had one setback the first time I tried to use it in store which was partially my fault, but I got in touch with customer service and once again i was impressed. Maybe my standards are too low but they walked me through it perfectly and now it works flawlessly. They also approved me for a $1000 limit and allowed me to use my TurboTax Visa debit card, which is my main debit card/ account, as a payment option when every other split payment app uses Plaid which doesn’t recognize GreenDot as a real bank. I will continue to use Afterpay for as long as I can and anyone I think could benefit from it. The only things close to “cons” about Afterpay is the amount of places ( there are lots) where you can use it but that’s not Afterpays fault and that you can only have 2 orders open at a time. Once again that’s not really worth complaining about and probably helps in the long run since you don’t have too many payments to make on different days. I wish every store accepted Afterpay. It’s AMAZING!! Highly recommend!!!

Avoid at all costs. Update: Afterpay finally did give me a customer service phone call and issue me a refund. I am grateful for that. I am upgrading my review to 2 stars. The experience was unpleasant but i’m glad that I finally got my money back. Original Review: Please, for your own good, stay away from Afterpay. I purchased an item using Afterpay, and the item was never shipped. I filed a dispute 3+ weeks ago. They have done nothing to advance the dispute or update me. I have messaged Afterpay multiple times, asking very simple questions (when did you reach out to the merchant? Has it been more than two weeks? Did they reply to you? When will you advance the dispute beyond the inquiry phase?) and they have not answered any of these questions. They only reply with a generic “we are working to resolve your dispute, please be patient.” They have no customer service phone number. They have no live chat for customer service. All you can do is email them and pray. In other words, they serve their customers very poorly. I should have known it was a red flag when my credit card company would not let me enter my card into Afterpay’s payment system. Stay away at all costs.

Used to LOVE the options here much more!. I love being able to purchase items I need for my kids and being able to break it up into 4 payments. I can budget this into my life so much easier than getting hit with massive charges all at once. I gave the system 3 stars because they have started to block my purchases to 3 and their rewards program seems incredibly skewed. I have never been late or bounced a payment. I have consistently earned the option to not make my first payment and I even have that option turned on, while I understand this doesn’t work for all purchases, it currently does not work for me on any. When I first earned this over a year ago, it worked all the time. I reached out to customer service to see if I needed to do something different or if it was just something not eligible to me. Their reaponse was generically answered by a robot and had nothing to do with my question. I make every payment early and I have only ever moved one payment the entire time and ended up making that payment earlier than anticipated as well. I feel like the promises being made are not actually followed through regardless of your spending limit or your payback track record. I have started to move my business to other platforms that continue to function as promised and follow through with their own rewards program. I wish that Afterpay would fix these issues because this used to be my favorite system to use.

I wasn’t given Pulse Rewards (even thought I elected to). I’ve made 2 different purchases using Afterpay and I love the concept. All of my payments have been on time because it’s taken directly from my bank account. I should have 40pts for each of these purchases totaling 80pts all together but it says zero. I go to the rewards section to confirm I did register for pulse rewards and I am. I reached out to someone and I felt like they didn’t even read my message because the answer made no sense and it didn’t really relate to my issue/ question. I was told about 6 month cycle and that I have to current orders… which I already knew and is not what I even wrote to them about. He was no hep at all and then might as well have said “have fun figuring it out bc we don’t care, BYYYYEEEEEEEEE.” I asked why my points weren’t accruing. I then asked if they could go into more detail.. I asked do the points reset after 6 months or something ? And I’ve gotten no response. I haven’t even had this for 6 months - but if they’re referring to their own type of 6 month cycle I don’t understand when that starts or ends either. My issue isn’t even anything serious or complicated … just want some help understanding why my points haven’t accrued and if I can get them redeemed… that’s all…

love afterpay. i love afterpay because it give me away to get the thing i want and pay easy payments the only thing i do not like you pay on some thing and went reach out to the seller they do notRespond you're paying on things and post to be delivered in a timely manner and they're not being delivered to reach out to him you get no answer I would like to know how do you get to talk after pay customer careIf they can get in touch with the seller to deliver your products I'm on my last payment for products from totes & caringI have not got my stuff yet it's been since December here is the almost the end of January and I reached out to them three or four times and still have not received my item or any way to make this right so you need to fix some type of problems when you allowing people to use your service I will keep on using after pay because I enjoyed some of the service liked it to other people thank you for allowing me to use your service happy customer but not a happy customer. ms Baker

Would be five but something’s need to be better. I’ve had afterpay for a while now and though it’s a good with a wonderful pay in 4 concept I have to give it three stars for the way it operates. Let’s just say it’s not taken everywhere and I’m glad that they started to allow monthly payments as well. The only issue I really have with it is how much your balance will drop if your 24 hrs late on a payment. You can change your payment date but at best you can push it 7 days out. There has been a few times where my due date came up before I got paid and I couldn’t change my payment date to the date I needed to make a payment. As a result I made the payment one day after it was due and my balance went from 1000 down to 260. I think the penalty needs to occur after atleast 48-72 hrs of a missed payment. I also feel that if some unforeseen event happens you should be able to workout something as to where you won’t miss a payment and your balance won’t be effected or we should get a one time late payment forgiveness on your current pay in 4 cycle. These things I’m sure will probably never happen but it’s just my opinion and the reason why I gave 3 stars.

A blessing. Honestly I got this app right before Christmas last year! It helped soooo much during the holidays and took of so much up front financial burdens! I was able to pay in 4 payments instead of all up front! Trust me!!! If you don’t have this app get it! It’s a MUST HAVE for everyday purchases or big purchases! I bought my corner dinning room table, lights for my house, lamps and so much more! I also bought all my kids school clothing and supplies! Just take a look and I swear to you you won’t regret it! If I had to say one thing I didn’t like was when they took away my ability to not pay anything up front. I had purchased a lot of items and was excited when I got mint and had that ability. Then they took it and said they changed that till you have the app a year. I feel like if I earned it and proved that I pay on time every time then I definitely shouldn’t have to wait a year for that. However, that aside I still absolutely love this app. So thank me later 😊

Very Unforgiving and Unhelpful. This was my absolute go-to app for pay in 4s. I was struggling a lot last year (finally seeing the light at the end of the tunnel) and this app saved me. I forgot to pay one payment on time, paid it the next day (I forgot to update my card on file). That was my mistake; however, they dropped my spending power by HALF. That’s insane to me. I literally paid it the next day. Other apps (like Klarna) just try again and work with you. Anyway, I had a second payment in the form of an e-check and realized another charge came out of that bank and it was going to bounce. I tried to work with them and even paid the next installment to rectify the situation. Their app claims to be there to help. The customer service agents did not understand my questions when I was very clear and gave me very automated responses. I paid twice the amount and ended up not being able to use the app and had my rewards status taken away. This is the most unforgiving an app could be. These types of apps usually exist to help people and this one did until it didn’t. I tried everything to keep a good history with them and by any other app’s standards, it is a good history. This is a heartless app and the customer service agents are unhelpful. Use Zip or Klarna if you can help it. They have more variety of where you can use their services too.

Horrible customer service. If I could give 0 stars I would, customer service is horrible. My account got frozen because I got picked at random for review to make sure I wasn’t fraudulent (which I can appreciate) they ask me for my driver license and a copy of my bank statements I share them both. They tell me after reviewing my names don’t match when they do but not only do my names match it matches on my bank statements too. The only difference is my legal last name is hyphenated I never go by it unless it’s for legal purposes. Since Afterpay does NOT go through the credit union I didn’t see the need to use my full legal name. Now they ask me for a copy of my birth certificate, I said sorry I don’t see why you can’t use what I gave you as there is a huge hacker increase all around ( I don’t know exactly whose messaging on the other line) they proceed to tell me that they are highly confidential but I’m sorry again I’m not comfortable sending it cause let’s be honest what’s next my social security number? If my job and my taxes which go through the IRS can use my name as is without needing me legal hyphenated name why can’t Afterpay use it how it is?! With the same address attached that I’ve been at for ten years!!! SO THEH CLOSED MY ACCOUNT!!! not only did they close it but I can’t remove my cards from my account either WILL NEVER USE AGAIN!!!

Great and convenient. I love Afterpay, I never thought of using this app before because I thought it would be complicated and have undercover fees. But to my surprise Afterpay is just wonderful! I live on a budget pay check to pay check and having 3 kids and bills it makes it hard to get things you want or need. Well Afterpay makes it easy for people like myself to get things we want and need without sacrificing our pockets. I really love that I can pay for things in 4 easy to handle payments every 2 weeks which is perfect if you’re like me who gets paid every 2 weeks , which Is why it’s hard to keep money put aside since we have to stretch the money for that time. I’m so happy to have this app now, there are no hidden fees nor crazy late fees and I believe you can even set up your own days that you feel works best for the automatic payments! Simply awesome! I knew everyone can benefit from Afterpay! I love it! Thank you Afterpay for changing my life so I can Have the flexibility of buying without have to stay broke lol!

Simple. Secure. Endless Choices.. “This app was ideal for me not only because I was working as a temp at the time I came across it so being able to pay on a certain date and only have to put the first payment down I knew when I needed to work to pay for that purchase and they were very generous with credit, the stores are endless from small local/national businesses to Big Box to CVS/Convenience!! & even LUXE like my Personal Fave Alex and Ani, Pandora, SKETCHERS & MORE! Earn Cash Back, Rewards Increase by Stacking Eligible Coupons, Free Delivery Flash Sales by Tier the more you use it how much $ complete the four payments NO INTEREST pay it in 1-2-3-4 payments you choose. Go for the Highest Tiers to have access to extra rewards coupons and special deals based off your views. Do not turn away if you were rejected from one of the other type of four payment companies unlike those companies where they check your credit I have an income that is regular and I should not have been refused by affirm or sezzle up I don’t even think that exists anymore but affirm is and ready to pull your credit. Oh🙄 well DUH MY POINT IS THAT AFTERPAY - NO CREDIT CHECK & NO INTEREST!!!!!.” Kaitlyn G.

THANK THE GODS!!!. AfterPay has been a Godsend for me! I’ve been a customer for over a year & it’s just the best thing ever. I’ve been able to purchase really nice items that I would otherwise not be able to afford…especially today when prices have skyrocketed on just about everything! (thanks pResident O’Biden🤬). Anyway, their customer service is also excellent & they never charge interest or other fees.🎉 There’s been a few times where I needed to push back a payment date until payday. It happens to the best of us & AfterPay has always been understanding & helpful. I have outstanding student loans so my credit isn’t great. AfterPay doesn’t care. If u make ur payments on-time, they’ll up ur credit limit without question. Affirm doesn’t do that. In fact, I don’t even qualify for Affirm. I do have an account with Sezzle but they don’t even have half of the stores that AfterPay does. In short, AfterPay is the way to go for those of us that love to shop but aren’t swimming in cash! 🏊🏻‍♀️💵 Cheers to Afterpay…a shopaholic’s best friend!🍾🥂😍

Lost a customer. Been a customer of Afterpay for at least 5 years. In all this time, I have never paid late, never missed a payment & I even pay my installments early and referred a few friends! I truly liked this company until one day I had an emergency & wanted to extend my last payment for 48 more hours because I had a financial hardship. I tried to do it on the app & I couldn’t because they say you can’t change the date on the last payment: that’s a Con because what does it matter if it’s first or last? At least I am still paying it off! Anyways, I messaged customer service to help me & they refused, & told me that I had a 10 days grace period. I told them that it was hurtful because I’ve been a customer for years & only needed help this once. I didn’t want a late fee for something that could’ve been sorted out.. other apps like Klarna, Zip & sezzle offer to help in hardship times for good customers, but Instead of having compassion, the customer rep decided it would be funny to remove my spending power in Totality!! Leaving me at $0.00 I was so shocked!! As I’ve had a PERFECT history with this company for the last 5 years.. & I am only 1 day late on the payment & I just wanted to move it one more day. It was cool while it lasted but in this economy, you guys have zero compassion and it made me realize I no longer want to be a customer. I am Paying off the small balance & canceling my account. Good riddance!

Not just for people on a budget!. I use Afterpay to space out my payments so that it doesn’t all hit my credit cards at once, helping me to maintain low utilization on my cards when my statements are reported, because I can pay the smaller payments right back off every time I get paid. I like using it when I know my statement is about to come out, but I need to buy something right away, because my cards won’t show high usage since I’m sometimes not even charged the first payment until 2 weeks after my purchase! You have to be smart and make these payment plans work for you! Even if I accidentally missed a payment by a few days in the past, once I paid it off, my spending limit didn’t take long to shoot right back up. There’s only one pretty major thing I’ve recently been turned off by with AP. For the past couple of years, I’ve built a rapport and higher spending limit with them since I almost always use Afterpay anywhere it’s accepted. Lately they’re now not letting me use my account at some participating stores and declining the purchases for unexplained reasons even when I have plenty of spending credit available. But other than that, if you’re a smart shopper and not just using this to spend what you don’t have, it’s great !

Bot operated almost. My phone was broken and the only way I could log in was through my phone number. I managed to remember my password thankfully but they had already emailed me to pay several times. With no help to login at all. I ended up paying off my fees, they don’t tell you once you’ve completed ur fees that ur account will be closed just because you didn’t pay it back for a while. It’s understandable i do get it it but it’s more of the fact that u just receive a red alert after trying to purchase telling you you’ve been blocked and to pay off all your fees. I messaged support and I wasn’t surprised with the customer service. “ we can confirm your account was repaid and closed” not correct I stated with reaching them out that I just wanted to know what was going on and they declined their services for future use; “unresponsible spending” is far from the truth due to no access and the ways they make it impossible for you to sign in. I hope they become more realistic. I just wanted to close my account which it won’t even let you after you pay it off or already told them to. I recommend klarna because I had the same issue with them and they did help me and understand me. They also take away your rewards aren’t allowed to gift it to anyone at-least.

Convenient. I can’t tell you how much I love, love and appreciate the convenience of Afterpay payment plan. The economy prices has gone up tremendously, with Afterpay it allows you to get the things you need right away when you can’t afford the full price all at once. It helps as well to keep you from borrowing money from someone and getting yourself in a bind when it’s time to payback. How many ppl do you know will allow you to pay them back in installments? These days everyone need their money back all at once, or don’t have it to loan. With Afterpay you don’t hv to worry about that hassle. This payment plan with Afterpay prevents you from owning anyone but them, not to mention it helps you get what you need right then not wait until you finish paying the full payment. You’re able to pay on the payments by the time you get paid! 😍The absolutely great thing is, if you don’t hv the money when it’s time to pay, you can get a few extension. I needed an expensive car part that I couldn’t afford to pay in full, and get my car fixed all at once. I needed my car to get to work to make money. Thank God for Afterpay convenient payment installments, I was able to get the car part, and afford to get my car fixed all at the same time! Yess! I didn’t have to worry about paying someone back a loan all at one time.. Win, win situation with Afterpay! I absolutely love Afterpay! 😃 I only wish they will allow you to pay a few bills through Afterpay. 😆 Maybe one day.🤞

I liked it in the beginning. I started with Afterpay right before Christmas getting items paying before the payment date and even paid the things off early. Then I got one more thing made the first payment when it was due made the second payment when it was due the third payment is due on the 30th of January. I tried to get something else a few days ago and they declined it and said due to my payment history they couldn’t approve me for it ( $59) so I reached out to them and told them they got something mixed up and I guess whoever got the email got mad so they told me I had to find another payment method and that I couldn’t use Afterpay but that they aren’t saying I will never be able to use Afterpay. I wouldn’t recommend Afterpay to nobody I know because I wouldn’t want them to be treated the way they treat me. I don’t want to use Afterpay after all this mess they got with them. I know I paid off my stuff and paid faithfully on time. You learn from your mistakes!!! I truly think that they see that they’ve made a mistake but they haven’t said anything to me. I have my bank app I checked it and I see when and what was paid. So with that being said everyone be careful. I don’t know what Afterpay got going on

Such a helpful way to shop. Now anyone who knows when you amortize anything, that’s a breakdown of you paying something overtime. A.k.a. this is layaway. It’s a very simple concept. It’s a very simple program. But in today’s age where paychecks and expenses are so fragmented, they are not as straight line as they should be, it really helps out when you do want to purchase something for yourself or a gift or it’s the holidays that you can have a new way to do layaway. Afterpay makes it very easy to see when the payments are due. You get a text message. Or you may get an email or both. The reminders don’t feel like you’re being hassled. There’s simply letting you know hey you have a payment coming up. I love seeing how much I’m able to borrow but it also lets me know that unless I have the money to pay back it’s best not to borrow everything all at once all the time. And the emails let you know that if you need some extra time all you have to do is contact them and they are more than willing to work with you. So I really love this app and this program.

Convenient and simple once you get used to it. Streamlined app that makes it easy to find the stores you’re looking for and even easier to keep track of what you’ve purchased, when payments are due, and how far you are into your payment plan. The only drawback is that not every website that partners with this uses Afterpay in the same way, so you have to navigate it a bit through trial and error to figure out what you’re doing. For example, some websites have Afterpay listed specifically as a form of payment, but then don’t link to your app to login- and others don’t have Afterpay listed as an option, you have to have the Afterpay card set up on your phone as a form of Apple Pay and then keep the app open while you’re using Apple Pay on the store’s app (this is how Lululemon does it). I thought it wasn’t linked for Lululemon for a while, and then thought that it was broken as a payment system until I did enough trial and error to figure it out. Once you’ve gotten the hang of it, though, it’s smooth sailing.

Tempted to remove a star. I am tempted to only give 4 stars because the one (and only way IMO) Afterpay could better is if there were an option to use it to improve credit. I get that to some people that it’s a perk to not have Afterpay hurt your credit, but there’s also the other side of people that could definitely use the perk of having it reflected on our credit. I am a very responsible person and no matter what, I find a way to cover all of my bills every month. The problem is, I am a single mom of 4, I work 4 jobs, I can’t remember what sleep feels like and I have sticky notes to remind me to look at sticky notes because I have so much to remember that it’s hard to get it all done. So having Afterpay automatically take the money from my account is like the best thing in the world for me. Now if I could just get the credit bureaus to see that I do pay my bills so I can start recovering from my ex crashing my credit score… life would be perfect. But other than that, I love Afterpay. So many great stores and I see more every time I pop in.

Great Option!. After Pay is an excellent option for financing big or small purchases. After pay does not hit you with a bunch interest or gouging fees for using their service. You also have the option to pay in full. I’m finding I prefer using AfterPay over my credit cards. I watch my credit report and I discovered that Credit Reporting agencies ie Experian, TransUnion report negatively if you charge 1$ over half of your balance on your credit cards. That’s insane and very oppressive and controlling. As long as I’m current and pay on time should be what counts. Plus I pay my total balance monthly. I highly recommend After Pay. There are some similar companies like After Pay but their methods and how their service is managed is frustrating. You can’t get a live person to help you with issues. They are not as organized with reminders and alerts like After Pay. I’ve mainly used After Pay for small things because I don’t want to use my credit cards but I recently purchased a home and will be using it for more substantial items. After Pay has been a good thing for me and I highly recommend!

Wow. Spend money a lot with Afterpay for over 3 years!! , paid on time , was mint , my job laid me off all of a sudden from 5 days a week to 2 days a week. when I had I think 2 last payment of $48 and the other was like $12 I was late 3 -5 days and they drop me from mint just like that , no customer service # I tried calling ahead to have them move payments around to my payday.. number don’t work. And now they drop my spending to $75 with no earn of rewards till after Jan.. they mark you late the day payment is due if it doesn’t come out your card. Not next day Same day smh. It not that I didn’t have the money. It was just not available when it was due. I had to use extra money to cover bills. With Klarna they generous with moving your due date weeks .. it helped so much. I had things due with them also .. so now I mostly use Klarna and I’m now working full time. But the joy of me shopping now is mostly gone. Thanks after pay it’s all good the more people spend.. but to help understand things happen no working number to call anyone was insane. Lost a good shopper I was supporting small businesses. Never again .. I’ll just use Klarna or I’ll just pay full price from now on .. last time using this service

-2 star.. three critiques: 1. I tend to make it so that my payments fall on paydays. no one is getting paid at five in the morning— have payments come out at more realistic times. ‘cause 5am is not realistic. 2. second critique goes in hand with the first— trying to charge another card attached to my account when the card attached to the order didn’t go through. you’re trying to charge a card at five in the morning— of course the card declined. there’s a reason the order was attached to the card it was attached to. please don’t try to charge a completely unrelated card. 3. better rewards/“gifts”. I make on-time— and most of the time— early payments on my installments often. afterpay can’t offer anything better than subscriptions and money off brands you’ve never heard of and have no interest in exploring? you should be getting discounts off brands users actually purchase from. edit: removed one more star because autopay. there needs to be an option in the settings to turn this off INDEFINITELY. I had a payment due on Tuesday moved to Wednesday because Wednesday is the day I get paid and I wanted to pay with a different card associated with the order. well— afterpay beat me to it and charged the card I didn’t want to pay with. I shouldn’t have to remember to keep turning the toggle off every time I place an order. it would be a lot more helpful if the toggle was just in the overall app settings.

Great App and it Sure comes in Handy!!!. I don’t have anything bad to say about Afterpay, but I do have a suggestion. First let say that Afterpay is very helpful, specially to those with less than satisfactory credit. It takes a chance on us and give us an opportunity that many others have denied. If you’re getting something for yourself, a loved one, or maybe a last minute gift for a friend or coworker. It really doesn’t matter because they have a variety of stores from online to in store shopping. Just pay your first out of four payments up front. There is not interest or hidden fees, all you have to do is pay on time. You can even purchase gift cards, though they are limited. I am very happy with Afterpay. My only suggestion would be to extend the pay in 4, to pay in 6, or even pay in 8. This could be done for customers that have had a couple of pay in 4 contracts completed and have demonstrated that they are trustworthy to pay what they borrow back. Give them that as an incentive for their timely payments. It would help with every single type of purchases, especially big ones and/or multiple ones. In all, thank you Afterpay, you’re still awesome.

I LOVE AFTERPAY!. Such a great app and a great idea! I have used other 4 payment apps like this and they arent bad either, but afterpay is my favorite because of the pulse rewards! It motivates me to pay off my payments earlier so I can get the points towards my 30 purchases so I can get the extras like no first payment when I order! I love the deals and discounts I can get also. They are always showing you what stores are having sales or really good percent off deals! There is a great selection of name brand stores as well as stores I have never heard from before and would have never known about if it wasnt for this app. Small businesses need our help more then ever right now and this is a great way to do that! There is also an in-store payment option for some of the places as well!!! The app is great design wise too, so easy to navigate and has it all broken down for me so I know what I have to pay and what is paid off etc. It also makes it super easy to make my bi weekly payments with automatic payments or if I want to pay it off early I can do that with just a click of a button and its done! They send you a reminder email a few days before your payments due so you never forget! I probably spend way to much money using this app but hey, you only live once!

Annoying issue with app. Everytime I go to checkout and pay with afterpay, there is no option to pay with afterpay. I can pay with debit/credit card, paypal, or klarna is always there to select. I am literally on the afterpay app at checkout and afterpay is not an option to select for payment. At the very bottom there is a button that says Buy Now Pay Later and it’s always grey and when you select it it says you can pay with afterpay at checkout, when I am literally at checkout. You can’t go to the next part which is to review your order until you finish at checkout where afterpay should be a payment option when using the app! Like come on these little technical difficulties are ridiculous and make me want to quit using afterpay and switch to klarna since that option is always at checkout. This is supposed to be shopping made easy and it’s a bit of a hassle when your at checkout and their setup to finalize purchase has so many tech issues. Also, afterpay I guess recently started added money to the total to “include tax and shipping” for what? Shipping is free so that’s weird and unnecessary.

Afterpay Has Been Ruined. Well, Sezzle/Klarna here I come I guess? Always good to try something new. I’ve been using Afterpay regularly since around 2017 and have always made my payments on time. Afterpay offered a robust rewards program and gave good customers who spent money with them and made timely payments a myriad of great benefits. CUT! THAT IS ALL OVER NOW. The main draw of the rewards program (and of Afterpay itself) was that if you proved you were a trustworthy customer, you could get “mint” and would then be allowed to make purchases with the first payment due in 2 weeks instead of that day. Afterpay has now taken this away- So for a summary of the three, Klarna allows you defer payments more often and is usable at almost any store on the internet; Sezzle doesn’t have a minimum order number; and Afterpay has none of those benefits and has just decided to decimate the benefits they DID offer. I am deleting this app, downloading Sezzle, and will not be using Afterpay again unless their new rewards program brings back the deferred first payments. There’s simply no reason to- these benefits were what made Afterpay better than Sezzle or Klarna and now it’s not better than those two, it is worse.

Used to be a good app. This has been my go-to app for years due to the convenience, and I even earned the ability to sign up early for the “Afterpay plus” card in addition to having 0 payment upfront. In the past several months their actions have caused me to lose trust in this app. First of all, even though I had spent THOUSANDS of dollars with this app and had not missed a payment on a single installment, they cancelled my access to the Afterpay Plus card for missing one $5 payment (the monthly fee for the card itself) due to the card it was linked to being expired. They refused to let me rectify the issue or regain access to the card, and their reasoning was because they “take responsible spending very seriously.” I have literally missed ZERO payments and attempted to rectify the second I found out something was wrong. Secondly, I got a notice that they are getting rid of the rewards program and with that, the ability to pay $0 upfront, which is the main reason why I used Afterpay vs other pay in 4 apps such as Zip or Klarna. Whatever new rewards program they’re coming up with, if it doesn’t include this or something better, I will never be using this app for any purchase ever again and will switch to a company that actually treats its loyal customers right.

Extremely disappointed. I am extremely disappointed in this app & their customer service. I have been using their services for about 4-5 years now & have always paid my payments on time as I had them on auto-draft. I eventually earned my limit up to $2,600. This month my debit card expired & my bank sent me a new one & as soon as they did I logged into Afterpay & updated my card info. As soon as I changed my card information, they changed my limit to $50!!!!! They took $2,450 away from my limit bc my card expired!!!! When I FINALLY was able to get in touch with someone from customer service - they told me it changed due to a $10 payment being ONE day late due to my card being expired. I tried explaining that it was out of my control & I logged my new card in as soon as I received it in the mail. I was then told that there was nothing they could do because everything is controlled by the computers & that the best thing for me to do is to slowing build my limit again by making more payments. It took me YEARS to get to where I was to only be stripped of it in the matter of seconds due to something completely out of my control. 10/10 don’t recommend their services. Also, they don’t have a customer service phone number for a reason & that reason is because they can’t help you with ANYTHING. Very, very disappointed after all these years of loyalty to them. Would give ZERO ⭐️ if I could.

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Is this app a joke?. I literally cannot login in any way I tried. I put my email and password it says it doesn’t recognize. Then I create new account and it says you already have an account. Then I choose forgot password and reset my password and login back with new password it still doesn’t recognize my account. Ridiculous, I have a payment due tomorrow and I don’t know what I am paying for

CODE WONT SEND🤬. Tried everything. Getting super irritated. Scr*w this app!

WE NEED BETTER CUSTOMER SERVICE. After pay has been nothing but a headache since I’ve used it for the past year and a half it was great up until one of their customer service reps didn’t understand what I was saying on and then made it on my account that I couldn’t make a payment which was false so then my credit went way down because of that agents screw up and since thenHeadache after headache I did a return and then the return process it says that you put in when it gets returned and then they move the payment for two weeks so that it has time to process the return but instead this time they froze my account and even though those payments have all been paid up-to-date, my account is frozen and yet I cannot reach Customer Service customer service agent right now to fix no you wait up to 48 hoursSo let’s say you have an emergency and all the sudden you can’t make a payment you can’t contact them and make the arrangements because he can’t get back to you fast enough

poor customer service and software. I’ve been trying to get in touch with after pay for a week now about a payment that i’ve cancelled and is still going through and was wondering why the chats kept failing to load, until i realized it wasn’t even available in canada! this whole thing honestly has been frustrating and an inconvenience and did not need to be dragged out this long

Brilliant performance. The best thing in this app is interest free purchase . Appreciated

I kinda don’t like it. Doesn’t take prepaid cards and cards from different regions that sucks so I can’t use it

Faulty app. A very malfunctioning App. Wouldn’t let me login or create a new account.

Love the app. I’m Canadian. I haven’t tried to pay in store like some others. However I love the app. I haven’t had any problems with it at all. I love to be able to get things I really want and pay in, instalments. I can’t wait to see how much more it improves in time.

Amazing. To all the reviews I’ve been reading on here. I don’t think y’all understand how this works. I’ve been using Afterpay for what 1+ years now. When I first applied I started with $500 credit from what I could remember. I used it once to try it out and it was legit, but I ended up not using it again. Next time I went to use it my limit went down to $100 so I thought ok. I’ll buy something for under $100, paid off, bought something else, paid off. Since the time when my limit went down to $100 and have been constantly using their service and paying back what I owe, my limit has now grown to about $900 all because I’ve been steadily using my credit and paying it back on time. Mind you the payments are all preauthorized so it automatically comes off my account every two weeks. So to those paying off your balance ahead and then complaining that they withdrew those funds despite you paying. Don’t. Preauthorized payments are automatically withdrawn from your account, regardless. Let the process work itself.

Terrible customer service. This customer service with this company is beyond pathetic. My item was unavailable in the store so the order was cancelled. I have reached out afterpay via chat like they said, because they don’t even have a phone number to call!!! Its been 2 days an no answer and no refund. They are still trying to charge me payment when the item wasn’t even received due to it being out of stock! I am NOT paying for an item I will never receive! They will not answer or give me a refund or even acknowledge my messages. Well since they want to be a fraudulent company I am filing a dispute with my bank!

Afterpay card. It says tab for card or should I say 5 tabs and in my app I only see 2 tabs one says shop and the other said my afterpay… I was told by support that it is now launched in Canada for Afterpay card but if that’s the case why can’t we retrieve the card to add to our wallets. I’m like losing my mind trying to see if I can find it out myself but it’s not working. I would have given 5 stars but I haven’t gotten any answers back.

Can’t get into my account. Forgot password and when I tried to send sms code to my phone nothing happened. I tried a few more times. Nothing was sent. Then I got a message saying I’ve tried too many times and can’t access my account. There is no way to get into my account now??? This is insane !

Not a good app.. I downloaded the app and signed in. It than takes me to another page that says don’t miss out on the important things. I can touch anywhere and does nothing. I have removed the app and downloaded it again but the same thing happens.

Afterpay card. Love shopping on the app.. got super excited about an email I received for the card (I’m in Canada) No option what so ever for me to use the card at my local stores, super disappointed..please fix this!! Sincerely- loyal customer

Bad app. I used to use this app because worked for my for a while, then I discovered Afterpay doesn’t have costumer services, they just provide you with a “chat” and takes up to 15 days to answer you. One day they removed all my credit because I was “late” for the payment, basically I payed afternoon and wasn’t enough for Afterpay.

Lowered spending to $0 after missing 1 SINGLE payment. Obviously I did pay it off as soon as possible ( couple days) and they lowered my spending limit to $0. Was going to use Afterpay again on another purchase today and now I’m going to be closing my account

An indispensable for shopping. I love this app , its functionality and ability to pay the total as I want and not be debited randomly is a must for me. I don't want to wait a month for the total to be paid. I can track easily the payment and what is left. The app is very intuitive and easy to navigate 👍 I would love to see more stores available for example “Amazon “

Afterpay Card Not Working Canada. This is really annoying sending people emails about using afterpay in store and looking at the card tab to add it to Applepay when it’s not even there. This is super disappointing launching things and it doesn’t deliver. Fix this!

Orders stopped going through. This has happened to me like 3-4 times now. I place the order on the merchants website with Afterpay and the order processes on Afterpay however the order never actually places with the merchant. Afterpay still takes the funds and sets up payment plan for an order that was never placed. Beyond frustrating having to jump through hurdles with customer service and wait days trying to get a refund. Safe to say that I’m done with this app as soon as I’m done with my current payments.

I love this.. It allows me to purchase items (name brand and household items). Quick & easy. Trustworthy and a wide range of sites to purchase from. An payment option built on trust, no credit checks :)

Needs ApplePay Card in Canada. Why are you sending emails to Canadians about being able to pay with their phone in stores when that not true, whatsoever? Someone needs to check their marketing emails.

10/10. great app!

Bad. So frustrating, I paid all of my order and I’m still getting an error message that my account was still frozen for no reason. Hated it.

Phenomenal Software. Works as expected + I’m surprised by how low friction it is to use Afterpay when a merchant accepts it. However, that is also the area I feel needs the most attention, especially in 🇨🇦. There are very few places that I can actually find on the app which accept this + where I want to shop. If they can improve that quickly, combined with this good software, users including me would love it!

Don’t waste your money. The app doesn’t always work and when it does, a lot of the time the orders don’t go through, however the payment is taken from your account anyways. When you contact Afterpay about this, they take days to contact you back and you have to fight with them to try and get your money back. Warning, not always do they give the money back and if you do, it could take up to a month or more. Additionally, there is an issue with double orders being placed and payments being taken.

Bad service. Bad service!!! they didn’t refund me the order I cancel

Stole my money twice within a week. The first time I got the run around for a week and a half. The second time they haven’t even responded about it.

So difficult for what. It’s easy to purchase but if your package doesn’t arrive or you wanna return it’s SO difficult. Klarna is way faster and easier.

canadian version sucks. canadian version doesn’t include access to AfterPay card, and can’t use it in store. mostly want it for aritzia since they accept in store but can’t do it without the app. not really a point for the app in that case.

How the hell am I going to pay??. Okay so how am I going to pay? I just got the app never had an account and it’s saying I have an account? I’ve NEVR had the app so what account do I have? Now I can’t pay for the after fee that I have! Fix your damn app please

Don’t waste time. In simple words. App doesn’t work.

Can’t see anything. My app opens to one page and that’s it??

Love the app however…. I love the app however it doesn’t take Visa Debit Prepaid and my bank’s debit cards. I hope in the next update it would take prepaid cards and bank (interac) debit cards as I don’t want to use my credit card too often.

The app does not work with my iPad. As soon as I open the app on my ipad a message pops up that takes over the whole screen about enabling notifications. There is no way to get rid of the notification and therefore you can’t use the app on the ipad. So annoying.

Can’t create an account. Pathetic app as it won’t let me create an account in Canada. Using email/phone number. Tried multiple times but still the same result.

Pay in store feature not available!. Where is the pay in store feature? Saw It popping up but not able to get it. I’m in Canada.

App often doesn’t work. The app doesn’t work. Tried to reset my password and it didn’t recognize my password. Couldn’t reset it and could set up a new account.

Stole my money. I purchased boot from Micheal Kors and the item didn’t come, and no response and they didn’t solve the problem.

Stole money from my bank. I paid 2 payments at once so that there would be no money taken from my account at the end of the month. Afterpay took an unauthorized amount from my account this week, even though I don’t owe anything for 2 more weeks. It doesn’t even show up on my Afterpay account. They replied to me after I contacted them online, but didn’t answer any questions. They only stated that the amount taken hasn’t shown up on their app. I sent multiple screenshots of my bank statement clearly showing the amount. This is unacceptable! I now have no money in my bank for the next week as I’m disabled and rely on a very small income paid once a month. I’m sure they would have taken more had I had more because I was alerted that a payment to them failed right before this due to insufficient funds in my account. So now I don’t know if I was hacked or they decided to take what they pleased. They are saying that if anything was taken, it should show up in 5-7 business days. Thanks a lot Afterpay!!

Terrible customer service. I did a return and they still charge me 116$ for the second half of the purchase even though I followed the process. I would not recommend this app to anyone nor will I ever use it.

SCAM!. Bunch of scammer’s, never received my product and they blamed it on the shipper. After I tried contacting them for deeper investigation’s they stopped responding, would do negative star’s if I can, please ban this app from the app store they are a bunch of low life thieves.

Horrible. No customer service I received one response from them three days later saying they were escalating the issue and never heard back after countless attempts I returned an item I had bought and one more payment to make I received an email saying they had processed my refund for approx 7% of what I had already paid and I never even received that

Waste of time. Complete scam, was really enjoying the app and was using it to make a lot of purchases and it was helping out big time. This month I tried to make a purchase of $180 (in total) and my app has chosen to completely stop working!! FIX THIS. I am no longer able to make payments for a single item, even something as low as $7!! I have tried several times to make the purchase and I keep getting a message on my screen saying the action can not be completed. I am a loyal customer and ALWAYS make my payments on time if not early!! I am never late and I never miss a payment! Please fix your scam app

Doesn’t work. I’ve had this app for a little over a month and it denies my purchases every time… so I thought maybe I have to do a lower price for the first purchase? Anyway I tried to buy a $18 candle and they even denied that “sorry were unable to approve your order”. Very disappointing and stupid that they advertise you can use it and that you have a $600 spending limit when you can’t use it. Yet other apps like klarna approved it immediately on much higher priced orders. Definitely deleting this app because they are even advertising things that aren’t in Canada (the Afterpay card). What a joke. Would give 0 stars if I could.

Sells your information. After using this app for a while I got a notification from another app saying “security alert” for Afterpay. The amount of scam calls and emails I got after was ridiculous. The only thing that changed was this app.

Don’t miss payments. The overall app is great! My only issue with the app is the extremely drop in credit if you miss one payment (even if it is only 24hours late, and you pay ahead of the bill date). For example, you start off with $600 when you start on the app; the credit decrease is by $550 if you miss ONE payment (regardless on how late the payment is, in my case 24hours late) and take MONTHS to rebuild it back up to $600.

Awful, no support. bought something at the end of July. Made two manual payments on August 11, which registered instantly and showed the next payment not due until September 9, Imagine my surprise when my card was pre-authorized (and the funds were withdrawn as it is a Visa Devit) for another payment August 16, even when there is none due. Afterpay has no phone support and no live chat, just an in app message system, so after ten rounds and four tiring days I finally get a message from “Adam” denying they made the preauthorization at all and basically washing their hands of me, My. bank is happy to provide a letter confirming they DID charge my Visa for the same amount as the first three payments so it is highly sus and a lot of trouble. I will pay it out and never use again. It’s fine until something goes wrong then you will regret ever touching this with a ten foot pole. Honestly, look into alternative apps and save yourself a lot of hassle!

Not working. They never send me an email update. It turns out this doesn’t work in Canada anymore which is stupid.

CANNOT ADD CARD TO APPLE WALLET. Horrible app

Disappointed. Not able to use in-store in Canada.

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I love afterpay....but. I love afterpay, I use it to buy myself anything I want or might need. I’m a mom of 3 who always puts my babies first and a lot of time that means I go without, which is fine. I really love afterpay, I use it to buy myself new shoes, sports bras, skincare products, etc that I can’t afford to pay outright for. It’s awesome. My only complaint is if you don’t have money in your account at 12am the morning you payment is due they count you faulty, instead of doing so if your payment isn’t paid by midnight the day it is due. I always pay my payments the day they’re due, the majority of the time I even pay them crazy early, so to have them count against me despite getting money in my account later that day (pay day) and making my payment is frustrating. I’ve never been a day late, always paid the day they’re due if I’ve not paid them earlier so I feel they should revise that. Other than that I’m just afterpaying my way on up. I appreciate the ability to get things and make payments, it’s a massive help for working moms and dads out there.

Shady. Afterpay is convenient and it’s great when you don’t need customer service or a price adjustment to your order. I made a return that was about 90% of my order. I ended up still paying in full and received no refund. They claimed the merchant had to refund them. The merchant messed up and refunded the money to my bank account. I then paid Afterpay with that refund money as I was told that was necessary. I completely understand as they were the ones who made the payment in full. Meaning, I just paid the full price of my initial purchase to Afterpay. After, I submitted my receipt and asked for them to adjust the price so I could receive the $ back from what I paid in full. They told me that the money was not mine and refused to adjust my account. I went back and forth with them in email for weeks. Getting someone on the phone was a hassle. I am still not being refunded and told that while it wasn’t my “desired outcome” that was their policy. They kept the money that I was told I had to pay (thinking they’d adjust my account after) for 90% of an order I didn’t even keep. I should’ve just kept the items instead of dealing with a shady company like Afterpay.

All Star Team *************. I Am very very Pleased with this app . I haven’t had a app that is as easy , fun & secure as this app is . I’ve had nothing but 1 tragedy after another for the last two years . I won’t give u my sob Story ‘ I will tell you how this app has helped my family out of Hard hurtful trying Death filled years not to mention help keep us clothed, Clean & that has Made it possible for my Husband to get the Life saving medicine for his dying liver ‘ Now being able to afford the medication his liver is now Healing & I’m looking forward to many more Beautiful years with him adding to our 27 years . Every store that uses this app has also played a part In our lives moving & breathing it forward. Yes Breathing it forward now Soon I can pay it forward. Thanks To Afterpay I have A beautiful future to live dream and Care about all because of this app . I cannot Say enough great things about this app. Thank you & Many many Great blessing to those that make this possible Thank you a million times over !

One of the better services. I like Afterpay a lot because unlike the competition if you pay your Afterpay bill your allotted amount you can borrow from them will remain the same or increase. It’s not one day you can borrow 5 million dollars and you return on payday to make a purchase absolutely nothing has changed between 5 million dollar Tuesday and payday Friday and now you can’t use the service at all, with the app siting payment history as a reason meanwhile you reach out to customer service and they just claim it’s an algorithm error nothing they can do, so kudos to Afterpay for actually making sense not like the competition cough affirm cough cough cough !!!klarma!!!! That app should just be called coin flip cause it’s a literal coin flip if your gonna be able to complete what your trying to complete and there’s absolutely no rhyme or reason what so ever behind it!

I’m speechless. Here’s a short and sweet version of my experience! I have had over 50 orders in the last 18 months with this company! I had several rewards, and was almost to mint level when I was out of work sick with Covid and had a few late payments. Although I messaged customer service and explained the situation, I LOST ALL MY REWARDS, and my tier level. I have maybe 4 total late payments, late by a few days. That doesn’t even come close to the amount of money I’ve paid either on time or in advance. My available credit was close to $1,000. It is now at $0!!! Every time I missed a payment, even if only by a day, my credit would be back to zero. I emailed customer support multiple times expressing my concerns, however NOTHING HAS CHANGED nor have I been helped !! So it’s ok to TAKE MY MONEY but the second a person has a medical issue and had to miss work , everything was taken from me as if I wasn’t a loyal customer who used this app many many times! I just paid off all my orders and will no longer need this app! I have also been sure to post this same review on all social media platforms!

Useless. At first this app worked fine. I was able to use it for a few orders in June. Since July 1st though, nothing is approved. My amount is always under my pre approval amount. I have had 100% on time/early payments. Have fully paid off multiple orders. The customer service for this company is a joke. They take forever to respond and all they’ll say is that they take into account multiple factors when approving or denying orders and then say what the factors are, payment history and account age. I have great payment history and my account has been old enough to approve before. But you can’t ask anymore questions past that because they only copy paste and don’t actually look into anything. They also only offer a very delayed chat option for customer service, no phone number, that takes day or more to get a response. I even tried an Insta DM because Reddit sub for them said some people have a better chance of getting a reply that way but it was literally the same copy and paste answer after they asked for my account info. I have 2 payments left for my last approved order last month and then I will be closing my account. Ridiculous.

Unable to get ahold of anyone. Afterpay has been a really good alternative to a credit card. I have been very happy until recently. I had a charge on my bank account from afterpay that did not match any of my purchases . When I tried to reach out they have no phone number to call , only chat. I understand that is they way things go now , but it took them 5 days to respond to my inquiry. I let them know I will have to file fraud on my account if I hadn’t heard back in a reasonable time . I also had to cancel my credit card because I wasn’t sure if my card had be compromised. When they finally responded they asked for the order # . They also informed me that if I filed fraud that It will effect my afterpay account. Very frustrating! I had to file fraud because I had no way to verify within a reasonable amount of time if the charge was valid. I also explained that I didn’t have an order # because the charge didn’t match any of the purchases I had made, and that was the reason for my inquiry. I will be finishing out the rest of my orders and deleting my account. I will be using pay pal pay in 4. At least they have customer service that you can talk to.

No credit needed, Love it!. I love afterpay because it doesn’t matter your credit or how much score as long as you have the money to pay what you owe. Also they have free interest unless you don’t get your payment on time, and their customer service is THE BEST. I had my card replaced and my payment was due before the day I could get my card information, so I contacted them thru email to notify I will not be able to do the payment since my card was being replaced, in less than 2hs they gave me a solution for it, and I made my payment when I received my card without paying interests. If you’re looking forward to purchase something but make it easy to pay it, or are too young to get a credit card with a bank, this is TOTALLY your app. It would not build your score, BUT you would definitely be able to purchase expensive stuff and pay idk $30 every 2 weeks

Terrible app. So I’ve had my Afterpay account for well over a year now with a current approved spending limit of $600. Over the course of a year, I’ve tried to use Afterpay at checkout with over 10 merchants for amounts under $300 which is less than half of my spending limit, and every single time I get an error message saying “Afterpay did not approve my purchase.” This happens at every merchant I attempt to purchase from no matter the amount. I have spoken to more than 30 people in person and on Reddit that have the exact same problem. Every time I notify Afterpay about it, they give me an unprofessional run around. Sometimes they say that Afterpay chooses to not approve certain purchases even though they have approved you with a set spending limit. Makes no sense right? Yeah, tell me about it. Then sometimes they say it’s my payment method which is not true because my bank has confirmed over and over again that there was not even an attempt to charge my card by Afterpay which make its clear that this issue is stemming from the Afterpay platform and that only. Don’t waste your time with this silly app. Use Sezzle or zip pay. Afterpay is a complete joke and a garbage app.

No way of contacting them. They’re only way of contacting them is through email and message through the app. They don’t get back to you in a timely fashion nor does the message go through immediately. I’ve been trying to resolve an issue with them, with charging my card for the same order twice and having the same payment go through my account three different times and they still haven’t resolved it because they haven’t been getting back to me in a timely fashion and there is no phone number to call them to get the problem solved immediately so something that normally probably could’ve taken 10 minutes at most has now literally taken over three days and it still not resolved yet. As well it’s not the first time they have charged for the same exact payment multiple in one day. I have been using the app for about a year now and everything was going fine till recently and it’s quit frustrating because now I don’t know if they have done this before with charging my card multiple times without my knowledge so once everything is paid off I will be deleting the app and not recommending it to anyone

Love it. Afterpay is the best thing ever since Apple pie. This is better than having any credit cards. It makes managing when to pay off your debts without all those extra fees. The more you charge, no matter the amount, it establishes credit with them. You don’t have to wait months to get a higher spending amount and every two weeks, etc. OMGoodness. I haven’t had credit cards in years but was wanting to purchase things and just didn’t have the monies but afterpay is just the best thing ever. I have told my sister and mom about it and hey could not believe how easy it was to establish credit—hassle free. Love it. Don’t go nowhere afterpay—I will never shops another way again. When have you been able to purchase 10 pairs of shoes from Dillards, using afterpay, for $300, but only put $66 down and actually have them delivered, confirmed by email. I just love it.

Pointless app. If I didn’t have to give stars as a rating , it’d be zero! As far as I knew from the beginning ; you could always make a purchase as long as you paid on time. Yet the app is claiming I had a “late” payment because I paid later that day even though it was the SAME day the payment was due. And when I reached out to support ; they basically gave the run around and said that they don’t approve all purchases and I’d have to use a different payment method? Let alone just kept sending the same formal automatic response no matter how many times I replied that their statements make no sense. Even though I had $600 worth of approval to use on my account ! So what is the point of the app if you can’t even use it every time you want to pay in segments !!! It’s poor customer service and poor app managing. Do not recommend this app to anyone. I wouldn’t waste your time. Might as well pay the full amount if you can only purchase once or twice ! I only got to make a purchase through Afterpay ONCE before having this issue! Closing my account immediately!

Great company. I can’t say enough great things about After Pay. I accidentally stumbled across an offer to apply and use After Pay for a purchases Christmas 2020 and it was so easy - almost too easy and you think something must be wrong. You can use the card in participating stores, or get a gift card to use in a store. Sometimes I am in a store with no intention to buy anything and then I find myself buying something - in a matter of a few minutes I am able to login get a gift card for the store and pay with using my after pay account. After completing certain amount of purchases/payments on time you reach a different level where you have perks such as no down payment (except gift cards)change payment date, gift card purchase. Credit limit gets increased - as with any credit use wisely, no your spending limits. As far as late payment fees etc., I don’t know as I have never been late.

Saved by AP!. So I just got word that I needed steel toe boots for my new job and I was super low on cash and also certain types of boots fit me differently I range from Men’s 8-9.5 and I was looking into stores that were nearby that accepted Afterpay and had the boots I needed and in my size because there is a “order online and pick up in store” feature I was also looking for because I wasn’t going to be in town for my new job that starts right after Super Bowl, and couldn’t risk it getting my boots in on time. So thankfully DSW had some Boots I walked in tried on 3 different sizes and made sure I placed my order before I left and just gave them a little heads up I submitted an order and they told me I should get an email in a few hours for pick up. Only downfall was My first payment was due immediately good thing I had enough to cover the first payment. Also it would be freaking awesome if Afterpay teamed up with SouthWest Airlines you know for those last minute emergency or get away flights. Maybe in the near future😉

AfterPay AfterEffects. Like I always say, AfterPay has been a blessing to us broke folk. We like nice things too, but really can’t afford to pay in full in one moment unless we are charging it to a credit card and falling deeper into debt. What AfterPay does is allow us broke broads to decide on the items we want or need and give us the gift of time to pay it without the crippling, debilitating pangs of interest. I we Come through too! Every two weeks like clock work, we get a heads up a few days before that our Afterpay payment is due and BAM, we ensure the money is there for that automatic withdrawal! Also, the more we make on time payments, the more our credit limit grows. For some of us this has helped us better manage our monies and be in control of our finances. We broke folk want to thing the founders, co-founders, the brilliant minds of the people that had the AfterThought! #AfterPayRocks💯

Things were fine until they weren’t. I have a mostly clean history with Afterpay, it was wonderful to use for target orders and Charlotte Russe orders and I was usually approved for things. I even paid my orders on time and it seems that the one payment that was late didn’t affect me. When I tried to return an order and did so successfully is when I started being declined for things. I even paid off the order entirely to see if it would clear the air but it didn’t. I would try and order the minimum needed to use the services and it wouldn’t be accepted. I tried different stores and even checked the payment methods but nothing worked. I went the customer support and it was the same spiel that it was either the store, payment method, item(s) and that I should split it up. I tried everything but I’m still declined even within my approved amount. I think my account is locked up and automatically declined for everything despite my decent history. You could do so much better especially when I need to get presents for my family and I can order anything.

Non functioning customer support. They dropped their phone support (probably some attempt to save money) and now the only way to reach them is by message. If you have an issue don’t expect a quick resolution. I had an in-store purchase at JCP refunded back to the one-time use card. I had the JCP receipt showing the refund but the it don’t show on the Afterpay app. When I finally got a hold of AP they stated that they could not see a refund on their own card. They insisted that the refund was sent to my personal credit card. After being provided the receipt showing their card number and my credit card statements showing I did not receive the refund, they still insisted that I had received the refund and needed to pay the full purchases price. It took more than a month for them to realize their foolishness. It would have probably been resolved a lot quicker had I been able to explain the situation to a person over the phone than writing an email and waiting days for a sub par response. If you are going to use this service, please take notice. Customer support is of very littler support.

Was great, at first.. I have been using Afterpay for about a year now maybe longer and had built up my spending allowance to $300. Right before Christmas I had a payment due and my card was locked so the payment did not process. When I noticed what was going on I made the payment immediately. Next thing I know once the payment was processed my spending allowance went all the way back down to $50. That’s what they start you out with when you sign up usually. So I reached out and the rep. Told me if I had a number of late payments the allowance would go down. Number of late payments, I had 1 which I paid within the next day. My gripe is why would my allowance go down so drastically? Especially because the payment was made the next day? I understand maybe going down by $50 or even $100 but to go from $300 to $50 was not acceptable to me. So I’m discontinuing using them as my “payment plan” in the future. I worked to get my credit to be good and to have it go back to the beginning is not good business for me. Good luck to those of you that do continue to use the service.

Great way to get the things you dream about. I’ve been with AFTERPAY since 2019 and I have never been dissatisfied with how the process works. I’m very happy to be a VIP member now I’ve earned it. However, there is a couple of things they need to change they need to go back to having someone in customer service when you call . That online leaving a message doesn’t work for me I need to speak to live agents period. Also they need to make sure to increase the limit especially when you have a loyal customer as me and never late & pay on time someone needs to updated that or monitor it more. Like I said since 2019 it’s time to up the limit I’m a big shopper, and love the service. Also need more stores like Valyou funiture, Sitonit, Kirklands, and a better way to explain how I can purchase with target every time I try it’s decline and I know I got a good limit WHY? Nonetheless, it’s a great service glad to be apart of buy now & pay later it’s awesome. Thanks AFTERPAY

The Absolute Best!. (Tip: If you’re having issues with the app, use their website ON A COMPUTER instead.) I used to use Klarna (if/when it would work) and that was such a horrible experience that I gave up on the “shop now, pay later” experience. I don’t like owing money anyways. I recently discovered a new online superstore and they offered AfterPay so I tried it. LOVED IT! No shady credit checks or unreasonable interest rates (no interest at all actually.) I’ve used AfterPay at least 6 times now. I used to only be able to have 3 orders at a time but now I’m on a very generous credit limit! I hope Etsy and EBay join the AfterPay community soon! Not to mention how many great retailers AfterPay has introduced me to. I can definitely afford the things I purchase but it’s such a relief to be able to make 4 installments over the course of 8 weeks! I highly recommend!!

Punished for paying my balance!!! Deleting!. I originally got Afterpay to help with groceries, but was excited to pay off my balance in full so that I could hopefully use AP for something else that was fun. I got on the app recently to pay the balance and they took the money without any hesitation, yet when I went to use the allowance again, I got denied. Apparently I’ve completely ruined my account by literally paying not only on time, but in full. I’ve never in my life been penalized for being on top of making payments. It’s honestly the most dumb thing I’ve ever experienced. I’ve given it time to try and reset but when I tried to use it at another store, I was denied again. I’m deleting this trash app and going with another company because I don’t have the time nor patience to deal with this. Also, I don’t understand… if paying off a balance is such a horrible thing, why accept the payment to begin with? Why not implement a feature that ONLY allows the minimum (quarter amount) payment? I was planning on using and building up this app for a long time, happy I’m deleting it instead. ✌🏼

It was Great until…. Afterpay has been a great help to a single parent like myself having to stretch everything to go a long way and working around my tight budget. I thought everything was very neat with the perks you earn with every payment you make, but beware if you miss a payment, even if it’s outside of your control. I never had to use the change payment date until I realized one of my payments landed on a day before I get paid for the week. I was unable to even use that feature since it was the last payment on it. Apparently, that is the exception to that feature which sounds very dumb in my opinion. Of course, I made the payment as soon as I was paid. Obviously, it did no good since it was late by that time happened. I lost all my hard earned credit with my payments, and it cuts you off of even using the app anymore, just from ONE missed payment after DOZENS of EARLY AND ON TIME PAYMENTS. It’s sad because I really enjoyed this app, but I will be deleting it after I complete my final payments on the orders I’ve already purchased previously.

My go to will always be Afterpay!. To Whom It May Concern: Normally, pay apps just aren’t my thing even PayPal, but I did try Afterpay. I was extremely pleased getting the approval so fast and the more you buy using Afterpay and make all your payments on time your credit line immediately goes up. In a way, Afterpay is kinda it’s own bank because they award you for becoming and being a loyal customer. Most credit lines take 6 months minimum; if any. When I first used it, my thought process was that this is genius for moving. For instance, I am in the process of moving but with the pandemic and other factors still on hold but I decided that I don’t want to have to move a ton just personal needs like clothes. Which, made me think that Afterpay is exactly what I need. When you first move you have to put down extra money not the average monthly rate. Along, with paying movers and all the other bills we have. So, it definitely has given me one less than thing to worry about when moving. I lost my father in the recent months and I was afraid to leave and not be here for when unfortunate inevitable... passing away. Clean slate states away no baggage saving money not paying movers and right before arriving I can open up Afterpay and buy my necessities now with installments allowing me to continue progressing. Sincerely, Allison E. Kelly

Easy to Use and Practical!. I was fairly new to using Afterpay, having to go online each time to check my payment schedule or my order information, it was so slow and glitchy as my connection is not that great. Also in making a payment. I wasn’t sure if I could make a payment early and when I logged in on the server, again it was a slow a glitchy process. I didn’t even realize there was an app!! Downloaded it, and within seconds I had my orders there for me, with my payments shown and what is still owed on a little color circle ⭕️ chart. Also it lists it in a linear traditional way which is where you can click on it to enter your payment. It tells you at a glance what is owed in a dollar value statement and lists in various days out. It is so very easy to use. And I really like that you can search and look for retailers on there that accept Afterpay as a payment method. It is a top notch app. I have absolutely no complaints. Anyone who has an Afterpay account needs this app. Thank you!!!

More options needed. Though Afterpay is a good way to get what you like now and pay over time, what I’ve notice recently is when an order isn’t fulfilled and you have no way of cancelling or getting your money back for partial shipment. Vendors associated with accepting Afterpay should have a contact phone number for customers to reach it should be a requirement for Afterpay. Also. There’s not enough options when it comes to requesting a refund or disputing an order. I received partial order from Benton 1988, I tried numerous times to contact them via email and social media since there’s no phone number and I have yet to hear back from this company yet, they received their money and Afterpay is receiving their. There should be an appt on to stop payment if full order hasn’t been received and the customer has made all attempts to resolve the matter. I’d be wrong if the customer disputes the entire transaction, then Afterpay will be out of money and having to dispute it with the seller. Make it easy for customers and bet them properly.

Not worth the trouble. I run into problems all the time when trying to use Afterpay. I continued using it for some time because it’s just nice to finance things some times instead of paying upfront. Most recently, my account was declined even though I was within my approved spending limit. Customer support says that decisions are made in real time, and that not every transaction can be approved. I understand that, but the very first time I used Afterpay, I literally maxed out my limit and had no problems. That was the only time I didn’t experience problems. Anyway, my account was declined twice, but the money was pulled from my bank account both times (pending). So then my girlfriend and I ended up having to pull money from savings and just pay upfront because it did the same thing to BOTH of us and had almost $800 worth of our money just floating in limbo. It was very embarrassing to have to go through that. I don’t understand the point of having an APPROVED spending limit that gets denied anyway, even when well within the limit. I don’t recommend Afterpay!

Amazing, just a amazing. I purchase things regularly through Afterpay. Over the past six months I have purchased a bunch of stuff, I’m not huge on going clothes shopping so I love that I can find new things and order them. I bought a pair of Nike Air Max 95 that were $160 from finish line which normally I would feel weird about spending that much on shoes but when you can break it up into 4 payments, it does not feel so bad. It’s also awesome that you get what you order right away and don’t have to wait until you have made all 4 payments. Can’t say enough how awesome it is, but a hoody, make 4 small payments and it’s done. I know there are other apps out there offering the same service but I have ordered quite a lot so far and they have been super reliable, never had to follow up on an order, never had to contact service, always is approved at check out without issue. Super happy I found this app.

Customer Service / Risk Management. Unfortunately, Afterpay customer service is not equipped with adequate resources to support their clients. Afterpay has been a great tool to use to spread out payments but AT NO POINT should be utilized for online purchasing as they cannot uphold or honor returns, adjustments, or other extenuating circumstances. In the event you return an item, with proof of return by the US postal service, and proof of delivery, with supplied documentation, you will still not receive a resolution to your dispute no matter how many times you supply it to their AI generated “expert team.” It took weeks to track down a working customer service number where they then respond they will “pass it on to their expert team” for the fourth dispute resolution attempt. I very kindly let my customer service representative know that I hope he finds a better company to work for than the incompetent, avoidant, fraud like situation he is currently in. I will never utilize Afterpay for any form of payment and will ensure others are protected from their poor customer service experience.

Afterpay helps stretch the dollar between paydays!. Afterpay is a practical resource that helps stretch budgets between paydays. Sometimes that perfect shoe or bag is on sale before our payday comes. Afterpay helps minimize cash flow challenges by allowing scheduled payments for must have purchases. Afterpay helps to better budget and plan purchases as well as monitoring spending without the expense of finance charges. Afterpay is a smart tool that realistically responds to our economy in this technological new age. For people seeking to minimize debt service, new to establishing credit or even credit challenged - Afterpay is the answer. For new credit seekers, Afterpay helps to establish good payment habits over a short timeframe, for credit challenged Afterpay is a good alternative credit option that allows you to pay in a short timeframe. For those wanting to reduce debt service Afterpay doesn’t charge interest. So Afterpay is a win win for everybody.

Rocky Start. I have been using this app for about five months now and I love the feature of being able to shop and pay in installments overtime. Although I had a rocky start with getting started because I was approve to use the app, but I had some issues with the verification process. However, I’m glad that everything worked out and I’m able to be a customer with Afterpay. The process of ordering through their app is really simple and straight forward. I’ve only had one complaint and that’s with the returns/refund process. I say this because Afterpay does not state on their website exactly how the refund process works, or how the credit will appear when credited back to your designated account. I did speak with customer service about this issue and the representative was very understanding of my concerns. Overall I’m a satisfied customer. As long as you repay your installments on time you’ll be a customer for life.

Great app for everyone esp for anyone with bad credit. Great app for everyone esp for anyone with bad credit. With a relatively low score from “naïveté of youth” / poor money mgmt … Afterpay started me off with $600. Over the course of using the app and paying ahead of schedule / on time everytime I’ve seen this amount nearly double after only half a years use. Even with what is now “good” credit I still use Afterpay for some purchases then pay them with credit card which I then pay off straight away. This gets me Afterpay bonuses and the credit card payment info helps to raise credit and also gets the cash back offered by credit card company. Would like to see better / more options for reaching new “levels” in the rewards thing you join and would even like positive payment info to go to credit score but perhaps in time. Thanks AP!

Afterpay is heaven sent!. These folks at Afterpay truly care about us. Regular, hardworking people. They truly want us to be able to have nice things but still able to afford it. I’ve been using Afterpay for months and have found it to be the best payment option. I have used other “Payment Apps” but Afterpay is truly the only FREE one. The only way they would charge you is if you’re late on a payment which is nearly impossible because Afterpay e-mails you 4 days prior letting you know you have a payment coming up. No extra percentage to pay, no extra fees, nothing. I ran into some trouble and send a hardship form to Afterpay to see if they could delay my payments and they delayed my payments not only to the day I said I can resume but they went ahead and added an extra week so I can make I’m able to pay them. I can’t thank Afterpay enough. I will continue to use them forever. THANK YOU KIND PEOPLE! these are not greedy, money hungry people. they want to see you succeed as well.

Horrible. I had reached out to Customer service because the app would not let me use my card. They claimed someone was using it but I had no history of usage since my card was brand new at the time. I asked them to remove the card from this account I was not aware of and they said they could not. I don’t know why you can’t remove my supposed card information from an account, especially if it’s not mine. I even went as far as looking into identity theft, nothing suspicious in any of my reports. So I couldn’t use the app whatsoever. Then it came time to delete the app and removing my information was similar to removing it from Robin Hood. It’s difficult, almost impossible and the people do not work with you nor is communicating with customer service easy. Trying to get ahold of people is extremely difficult. I will not use or even think about using this app again. This is a review for not only customer service but the app itself. Not allowing my to use my address telling me it’s incorrect, which is confusing because I live there. That was an entire process itself was complicated.

Life saver. The cost of living went up drastically after 2001. Everything from cost of food to clothes and all other basic human necessities has massively increased in price. Back then renting 2 bedroom apartment in nice neighborhood was $800. Now the same apartment you pay $2800. That’s %300 increase. However income only increased maybe 50% . Thanks to capitalism rich is becoming richer in this system. The moral and justice of free market after Reagan presidency has changed Only 1 to 10% of the whole 300 million USA Population is Rich. 80% are middle class and suffering. After pay helps me to buy thing I used to buy before Reagan without charging massive interest. Vulnerable people are taken advantage of by rich. Capitalism is taking advantage of. Freemarket has been taken advantage of by rich. Students are taking advantage by rich. Justice system has been taken Advantage of by rich.

SUPER SKETCHY COMPANY - PLEASE READ. I was very excited to use this service but at one point I needed to update the payment information and the app would not accept my card, but it was telling me that payments went through. Yet they were not posting. I called customer service and the rep just wanted to show me how to add a card - which I already tried three different ways - instead of listening to me that the app was not accepting it. So he HUNG UP ON ME. I called back and a new guy let me know that the app doesn’t always accept payment methods and it can be done on a desktop. So the app is crap. Additionally: I tried to update my password and the app would t accept that and told me that the password I was tying to use was TOO SIMILAR TO PASSWORDS ON OTHER ACCOUNTS - which means Afterpay has granted themselves access to all of my passwords!!! I NEVER authorized this. This company is VERY sketchy - they make it sound like they are doing something for you, it they are taking access of your personal information when you install the app - so consider this before doing business with this company. I won’t use them anymore, and will likely stop ordering from the company that roped me into using them (DSW). HORRIBLE EXPERIENCE.

Above the rest. I have been with Afterpay for about 2 years now and have never looked back. It has only gotten better with the ability to pay in stores now as well as changing your pay dates. I have never had an issue with their service, customer service, or App. The only thing that people need to be aware of is that when you purchase an item using afterpay and then return it in store, you will still need to make your payments as scheduled because you get 100% of the monies paid back from the return. Some are complaining about that but it is pretty self explanatory. I am a pulse member and really think that it is the best reward program out there and am not sure if others such as klarna offer something similar. If you decide to use Afterpay, you will be delighted and have a little more money in your pockets.

great!!!. i never write reviews but dang afterpay is great like i have bought so so much stuff from places i usually wouldn’t because just a pair of jeans can be like $70 but with their plans i can buy like 7 things and have a $70 two week payment plan like if you still want to have money on the side but also buy things you can afford, use this app! like i am so grateful for this app i wouldn’t have most of the things i do today if it wasn’t for this app or apps like this. it’s so affordable!! i was happy when i found out this was even a thing and i’m still happy with how affordable it all is. and as someone else said i like how it tells you in advance when something is due. i’ve never been late but i’ve also read they give a TEN day grace period if you’re late with payments, AND the late fee is only $8. i also like that if you want you can pay some or all of it in advance. like idk it makes me happy this is so affordable and i can finally get the things i want. thanks to whoever made this for real.

Buying power up. Afterpay has always been my go to for buying. It’s nice to have the payments already scheduled, I get reminders and can easily change the payment dates if needed. Once you establish a little payment history you get some additional flexibility. AfterPay was the one company that always said yes when I was establishing my credit while others were saying no. I don’t pay interest on my purchases and I’m not racking up credit card debt by using AfterPay! Make your first payment during purchase, after good payment history you can even skip that as an option, then equally divide the balance over biweekly payments. My son broke his bat, needed a new one immediately so we went to the sports store and used AfterPay in the store! They say “Yes” when other companies say no. Repay the debt to build your buying power!

I love After Pay!. Listen, I’ve used other “pay in 4 apps” this one is by far the best one! You can shop at all types of places online or in store. When I first began using after pay. My approval was like 500. I don’t think my credit even mattered at the time . Since what I wanted was like 100. Which isn’t much tbh. Anyways the rewards / and how the faster you pay things the higher the limit of the spending goes up. I recommend this for anyone who’s beggining with credit. Bc if u can’t pay “PAY IN 4” then you sure won’t be able to pay a real card or a car payment. Always start off small and work your way up. If that make any sense. I do wish they reported this as credit utilization. But then again it’s ok that they don’t. Bc then a lot of you would have bad credit for maxing out your after pay limit lol. Anyways love after pay!

Personal review after 3+ years of using A-P. Afterpay has definitely saved me many of times when it comes to Christmases, birthdays, or if I just want to splurge on myself but not drop a lot of $$$ at once. This app even just very recently made it possible, for me to be able to buy groceries for my family. Just by placing an online pickup order with Walmart & choosing my afterpay that’s saved to my apple wallet. I love the convenience, the different stores/brands to choose from. The fact that you can use afterpay almost anywhere you can think of, even in some stores! I love love love afterpay & it’s personally my favorite compared to the other apps that offer installments with no interest, don’t they come close in comparison in my option. 🥰 I’ll forever use afterpay as long as it’s around! I also make sure to recommend it to all my friends & family who haven’t heard of this amazing app! 🫶

Beware they do not protect you as a buyer. On 4/6/24, I placed an order on Temu. I was scammed. Temu provided a tracking number from UPS that showed on Temu’s website shipped. I decided to check on UPS website for the update after close to 3 weeks. UPS website stated a label was created but the package was never sent to UPS to be shipped. I filed a complaint with Afterpay and provided them with proof of the tracking number which Temu provided Afterpay with the same tracking number. Afterpay stated even though they have the evidence that a shipment was never completed they don’t get involved in shipping disputes. I was like are you kidding me? I have a great customer relationship with Afterpay. I always pay on time never had an issue and this is how you treat a loyal customer. You don’t protect your customers at all. I filed a complaint with my bank where Afterpay takes the money from and sent them the tracking info. The bank confirmed I was scammed and immediately issued a refund saying Afterpay has a responsibility to protect their customers and if they won’t do it the bank said they protect their own. Shame on you Afterpay for being in business with a company who scams your loyal customers while you sit and watch.

I want the old Afterpay back!. I have been an Afterpay customer and advocate since day one. I used it so much I was actually a Pulse member until they completely changed the app altogether. I was two days late on a payment and my limit went completely back to $0. Although it was frustrating, I get it. Over the years I’ve worked so hard to build that back up by paying on time. Now it’s the holidays and I’m working to get gifts for my family and all of a sudden I’m denied all my transactions. I was so confused because I paid on time for every transaction and never missed a payment and worked so hard to build my limit back up. I go into my app and see that my limit was $0 again and they sent me a letter telling me it was because of a credit report they pulled? I have an amazing credit score that dropped a couple points but for them to completely drop my limit to $0 is ridiculous. Why does my credit report have to do with anything if I’m paying on time in their app? Afterpay used to cater to everyone of all classes but apparently your financial situation has to be perfect in order to get any purchase approved.

Love afterpay!!. I absolutely love afterpay! It helps me get items that I want and need right away, then I just pay them off over time. No fees (unless you default which I never have) and i now don’t have to resort to putting items on my credit card. In my case I get paid once a month not every 2 weeks so what I do is just make sure that I take out 2 payments out of my check and have them avail for automatic withdrawal. It works for my perfectly. Another thing I love afterpay for is getting items on sale when I come across them. How many times have you seen something and it for sale for an AMAZING price but you can’t afford it. Now with afterpay you can pick it up right away and save yourself money in the long run! They have so many online stores they work with and are adding more everyday!! Keep up the good work afterpay! You will ALWAYS have me as a customer as long as the service remains free! TT

Love this option. I love the option to pay in installments!! My only issue is how long they “penalize” you when you make a late payment. I started out having 2 and 3 open installments with different retailers at the same time and paid every last one on time(my payment history can prove it). After something like 10 previously paid in full orders I was late with one of my final payments and paid the $8 late fee. Well from that order and for the next 7 or 8 orders I wasn’t “allowed” to purchase more than one order on installment at a time and it had to be under a certain amount. That really disappointed me due to the great payment history I had! After several months and several orders the last 3 of which I paid before their due dates I was taken off “punishment”!! Customer service representatives cannot do anything about it..they say it’s all up to the automated system 😑

BEST WAY TO SHOP. Afterpay is the best way to purchase items when you don’t feel like draining your account. Or better yet to buy an item that is otherwise to expensive to purchase as one of your normal everyday items so just think of that $250 hair styling tool you have just dreamed of but just didn’t have the money all at once to purchase the item. WELL..... purchase thru Afterpay and pay in 4 consecutive payments that are 2 weeks apart from one another. What a GREAT IDEA!!! I basically purchase everything through Afterpay!! My one and only complaint which is minor for the normal population as I’m disabled and only receive my paychecks once a month. So it would be so great for me if Afterpay would base their payments on your payscale or do once a month like QVC. But again that is minor for 99% of you Americans so please don’t hesitate and jump in and try it. NO AFTERPAY DID NOT PAY ME FOR THIS ADVERTISEMENT AS THIS IS TRULY HOW I FEEL.......... Have a nice day!!! Sincerely, Dawn Bonura

Great App. Extremely easy to use and keep track of my payments. AfterPay notifies you about payments, they don’t put a hit on your credit and it’s so quick when using it through other retailers. The app is well put together, and organized. It makes it great to buy things you want but can’t pay for all at once. I’ve used AfterPay for so many different things and still do! Makes life easy! It’s as simple as pay the first payment and go... they don’t use credit limits, just split into four and can be paid off at any time you want rather than force you to make the payments until it’s paid off, and doesn’t charge interest. They work with you if you need to move the payment date too! They work with large amounts of money too! I’ve used it on hundreds of dollars worth of purchases when I was in a bind but needed something. It’s a lifesaver. Definitely recommended this to friends many times.

Best app ever!. The convenience and alert system with this app is getting better and better. I love the notifications I get on my hive now for all upcoming payments and the new variety of stores available. When I first used Afterpay in October it was for some happy birthday to me gifts from Free People for everyday life’s love of fashion and their sales...when they have them are just a must but I don’t always have the funds at moment since as we all know most online deals are now flash sales, 2-day and the like. Having a budget for last minute wants or for career needs I just can’t logically see passing up...to my guilty pleasure website recently added in the last few months Dolls Kill makes me smile while only having smaller, interest free payments monthly till I’m done. And yes all returns from stores go back to your method of payment used on Afterpay. That was my first question so I figured I would share that. Easy peasy.

Another_nightmare._.. No use for the gift card , the gift card was for online store and the physical store is way to far away . AfterPay it won't cancel or give you another choice . You have to pay even if you don't use the gift card . When your gift doesn't fill your recipient expectations and you contact customer service and the only answer they have is we are sorry but there's nothing we can do , the good news is that you don’t need to use your Gift Card right away! Most Gift Cards have a validity of 12-36 months so you can wait to use your Gift Card. 🤨🧘🏻‍♀️ Thank you for your patience and we sincerely apologize for any inconvenience this has brought you. Then you learn that is a bad a choice to buy a gift card as they only care about sell. Then contact (the third party ) prezzee whick obviously doesn't care as all they sell is gift cards 😤Horrible experience with this marketplace . I do not recommend this headache to any other customer .Save time and save headaches , better choice is to give the money directly to the person so they can buy whatever they want .

Rewards. This app comes in clutch for me to buy things when i can not afford to purchase all at once. I am hoping that Afterpay is not shutting down in the US since we are the only country that lost all the benefits and there was no plan in place to replace those benefits. I was never able to use the no up front payment because the feature got taken away as soon as i got close to having my account for a year smh. I’ve been told by a few different reps that there were new rewards to be announced on 2/1 but then other reps stated that isn’t true. So they are inconsistent with their customers when giving information. I will continue to use them because breaking the payments down into 4 and with my limit I can afford the first payment but for those with higher limits and christmas time or school shopping what are they to do?? Or when you need groceries with no money to your name until payday? If y’all don’t appreciate your United States customers please let us know instead of going dark silent

Highly recommended. I’ve been using Afterpay for at least a couple years or more now and it’s so convenient not only convenient but no interest so I’ve got rid of all my credit cards and if I want some thing bad enough I will get it on Afterpay and just pay what it’s worth and no interest , I highly recommend buying your stuff this way instead of getting in debt which I have done and it’s not easy to get out of specially with high interest rates on credit cards. So from now on I will use Afterpay. I have tried other apps and not only are they not as easy as afterpay , but they don’t give you the leeway and sometimes they just straight out deny you they don’t let you just prove yourself. Thank you Afterpay for coming up with a new way to purchase things. Still using Afterpay and still as happy as ever able to buy things with no interest thank you have to pay great idea