Afterpay: Shop your favorite brands and pay in 4 interest-free installments.

Join over 20 million savvy shoppers using the smarter alternative to credit cards. Get what you want today and split the cost over 6 weeks—online or in-store—with zero interest and no hidden fees.

Finance & Crypto ›Shopping & Deals ›

Publisher

Afterpay Holdings Ltd

A Glimpse at Better Budgeting

Discover the interface used by 24M+ users.

A fashionable woman walking with flowers featuring Afterpay logo and shop now pay over time text

Afterpay app home screen showing shopping categories, retail partners like Ulta and Walmart, and gift card options.

Afterpay mobile app screen for finding exclusive brands with shopping categories for travel, tech, and fashion

Afterpay app interface showing a schedule for four interest-free payments of twenty-five dollars

Afterpay app screen showing a virtual card and nearby stores for in-person shopping

Afterpay app interface showing upcoming payments and total amount owed for tracked orders

Shop Smarter, Not Harder

The tools that make this app stand out, trusted by 24M+ users.

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Zero Interest Pay in 4

Split your purchase into 4 equal payments over 6 weeks. It is 100% interest-free with no hidden fees, helping you keep your cash flow smooth.

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Tap to Pay In-Store

Get the same flexibility at the mall. Simply add the Afterpay Card to your digital wallet to tap, pay, and take your items home today.

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Unlock Spending Power

We reward your financial responsibility. Pay on time to increase your pre-approved limit and gain more freedom for the things you want.

Loved by users worldwide

Trusted by 24M+ people who love this app.

"Afterpay has completely changed how I budget. Being able to split a large purchase into four interest-free payments means I can get what I need for my apartment without draining my savings all at once. It is way better than using a credit card!"

Sarah M.

"This app is my go-to for shopping! I love discovering new brands through the curated guides and using the tap-to-pay feature in-store. It feels amazing to unlock more spending power just by being responsible with my payments."

Jordan K.

Review Analysis

Insights from user reviews.

Sentiment Score

18%

Negative

Summary

Users report significant frustration with this mobile app, despite some appreciation for its core "pay later" functionality and affordability. Major issues include widespread login and account access problems, frequent app performance bugs like freezing during checkout, and unresponsive customer support for critical issues such as identity verification and payment disputes. Many are critical of harsh payment policies leading to account restrictions, while specific complaints also highlight persistent difficulties with Amazon integration and security concerns.

Common Themes

Customer Support(15)

App Performance/Bugs(13)

Identity Verification/Security(7)

Payment Flexibility/Affordability(6)

Payment Policies/Account Restrictions(5)

Amazon Integration(2)

About the app

Everything you need to know about Afterpay: Pay over time.

Description

Buy now, pay later with Afterpay. Shop your favorite brands online, in-store, or in the app. Access exclusive deals by shopping in the Afterpay app. Get what you want now, and pay over time. Choose to pay in 4* generally over the course of 6 weeks, or up to 24 months**. With Afterpay you can discover and shop new brands and products, and get exclusive discount shopping. Buy now from fashion, beauty, home, toys, tech, and more. With over 700k five-star reviews, Afterpay is the app you need to split payments. Shop now when you download Afterpay. Access in-store or online shopping with your pre-approved spending limit and pay in 4 for your favorite products. AFTERPAY FEATURES: PAY IN 4 - Shop now and split your purchase to pay in 4 payments. - Split payments and pay generally over the course of 6 weeks. PAY MONTHLY - Discount shopping with Afterpay allows for payment flexibility with monthly payments on eligible orders at participating brands. - Buy now and pick the plan that works for you. Split payments in 3, 6, 12, or 24 months, depending on your order amount and merchant availability. SHOP NOW AND DISCOVER MORE IN THE APP - Discover even more app-exclusive brands in fashion, tech, travel, and more only in the app. - Explore curated round-ups and gift guides from our editors. GIFT IT WITH AFTERPAY - Gift even easier with gift cards from hundreds of top brands available exclusively in the Afterpay app. - Select your gift card, send it directly to your recipient’s inbox, and pay over time. BUY NOW WITH AFTERPAY IN-STORE - Shop now for your favorite brands in-store with Afterpay. - Tap to pay, and take it home today. MANAGE YOUR SPLIT PAYMENTS - Review your Afterpay orders and manage payments in the app. - Select your preferred payment day to make your payment schedule work for you. STAY INFORMED WITH NOTIFICATIONS - Manage your notifications to stay up to date on your account, new brands, and exclusives. - Get alerts on your activity, payment schedules, and special offers. BUY NOW TO UNLOCK MORE SPENDING POWER - Unlock higher spending limits when you pay on time. - Check your spend limit and keep on top of your finances in the Afterpay app. 24/7 CUSTOMER SUPPORT - Get support anytime you need. - Use our customer support chat or access FAQs in the app. By using the Afterpay app, you agree to the applicable Terms of Use (https://www.afterpay.com/en-US/terms-of-service) and Privacy Policy (https://www.afterpay.com/en-US/privacy-policy). *You must be 18 or older, a resident of the U.S. and meet additional eligibility criteria to qualify. For access to in-store, additional verification may be required. Late fees may apply. Payment amounts shown are estimates and depend on eligibility and exclude taxes and shipping charges, which are added at checkout. For complete terms see Afterpay terms (https://www.afterpay.com/en-US/installment-agreement) and Cash App terms (https://cash.app/legal/us/en-us/tos). Loans to California residents made or arranged pursuant to a California Finance Lenders Law license. **You must be 18 or older, a resident of the U.S. and meet additional eligibility criteria to qualify. Loans through the Afterpay Pay Monthly program are underwritten and issued by the First Electronic Bank. A down payment may be required. APRs range from 0.00% to 35.99%, depending on eligibility and merchant. As an example, a 12 month $1,000 loan with 21% APR would have 11 monthly payments of $93.11 and 1 payment of $93.19 for a total payment of $1,117.40. Loans are subject to credit check and approval and are not available in all states. Valid debit card and acceptance of final terms required to apply. Estimated payment amounts shown on product pages exclude taxes and shipping charges, which are added at checkout. See https://www.afterpay.com/en-US/loan-agreement for complete terms.

Latest Version

1.128.1

Size

145.2 MB

First Released

Aug 7, 2018

Shop Your Favorite Brands, Pay Your Way

Join 24M+ shoppers and take control of your cash flow. Download Afterpay to split your payments in 4 and unlock your spending power today.

FAQ

Frequently Asked Questions

Everything you need to know about Afterpay: Pay over time

What is Afterpay?

Afterpay is a service that allows users to buy items now and pay for them over time. Customers can split purchases into 4 interest-free payments every two weeks or choose monthly installment plans.

How do I use Afterpay to split payments?

Afterpay allows you to split purchases into 4 interest-free payments, generally over 6 weeks. Alternatively, for eligible orders, you can choose monthly payments spread across 3, 6, 12, or 24 months.

Can I use Afterpay for in-store purchases?

Yes, Afterpay supports in-store shopping. Users can tap to pay with Afterpay at favorite brands and take items home immediately, utilizing their pre-approved spending limit.

Does Afterpay charge interest for its payment plans?

Afterpay offers interest-free payments when you "Pay in 4". For "Pay Monthly" plans, APRs can range from 0.00% to 35.99%, depending on eligibility and merchant.

How can I manage my Afterpay payments?

Users manage Afterpay orders and payments directly within the app. You can review upcoming payments, active orders, and payment history, and select your preferred payment day.

What types of items can I buy with Afterpay?

Afterpay allows shopping across various categories, including fashion, beauty, home, toys, tech, and travel. Users can discover new brands and access exclusive deals within the app.

Does Afterpay offer customer support?

Yes, Afterpay provides 24/7 customer support. Users can access support through the in-app chat feature or by reviewing the frequently asked questions (FAQs) section.

Can I buy gift cards using Afterpay?

Yes, Afterpay enables users to purchase gift cards from hundreds of top brands exclusively within the Afterpay app. You can send them directly and pay over time.

What are the eligibility requirements to use Afterpay?

To qualify for Afterpay, you must be 18 or older, a U.S. resident, and meet additional eligibility criteria. In-store use may require extra verification.

Are there late fees with Afterpay?

Yes, late fees may apply for Afterpay "Pay in 4" plans if payments are not made on time. Users are encouraged to manage notifications to stay informed about payment schedules.

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