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Updated July 2026 · real, multi-region App Store reviews
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Is it worth paying for

Afterpay

65
Value score / 100 Worth paying? No Skip it

Afterpay is worth using for its interest-free payment plans, but users should be aware of frequent app glitches, strict payment policies, and inconsistent customer service.

Free to download seen up to $1700 4.9★ lifetime (752,350) since 2018

Afterpay offers convenient interest-free installment payments for online and in-store purchases, helping users budget and acquire items they might not afford upfront R6R61R159. However, many users report significant issues with app functionality, such as freezing during checkout, login problems, and single-use card failures R1. Customer service is frequently criticized for being unhelpful, unresponsive, and difficult to reach R3R4R17.

Free vs paid

Afterpay is advertised as a free service, offering interest-free installment payments R61R128. There is no explicit 'paid tier' mentioned in the reviews. However, some users note that Afterpay now charges a small finance fee for stores not partnered with them when using the app R162, and there were complaints about interest on gift card purchases, which some users later reported was removed R116R202. A monthly subscription is mentioned by one user as a way to use Afterpay virtually anywhere, but this is not widely supported by other reviews R19.

Value complaints

  • Afterpay charges a small finance fee for stores that are not partnered, which was not the case before.R162
  • There were complaints about interest on gift card purchases, though some users later noted this was removed.R116R202
  • One user mentioned a monthly subscription to use Afterpay virtually anywhere, implying a paywall for broader access.R19

Where it delivers

  • Afterpay allows users to purchase items they might not afford upfront by splitting payments into interest-free installments.R6R38R61R159
  • It helps with budgeting and managing finances, similar to an old-school layaway but with immediate access to purchases.R61R124R159
  • The app is convenient and easy to use for many, especially for online shopping.R61R170R285R312
  • Some users find it helpful for specific needs like grocery shopping or unexpected expenses.R9R134R242
  • It can help improve credit for some users.R58R201
Worth paying if

The concept of 'paying' for Afterpay is not clearly defined in the reviews beyond potential small finance fees for non-partnered stores R162. If a subscription option becomes available that genuinely expands usability to 'virtually anywhere' as one user suggests R19, it might be worth considering for frequent users who need broader acceptance.

Skip / stay free if

You should skip Afterpay if you are prone to missing payments, even by a short time, as the app has very strict policies that can drastically reduce your spending limit or ban you entirely R5R8R72. Also, skip if you prioritize reliable customer service and a consistently functional app, as many users report persistent technical issues and unhelpful support R3R16.

Evidence note: The reviews show a strong dichotomy between positive experiences, praising the core functionality, and negative experiences, focusing on technical issues and customer service. The lifetime rating of 4.9 is significantly higher than what recent negative reviews suggest, indicating a potential decline in service or an accumulation of issues over time. Monetization details are sparse in reviews, with only a few mentions of fees or potential subscriptions.

Frequently asked

Is Afterpay truly interest-free?
Yes, Afterpay is praised by many users for offering interest-free payment plans, allowing them to split purchases into installments without incurring interest R38R61R128. However, some users have noted a small finance fee for purchases at non-partnered stores R162.
What happens if I miss a payment?
If you miss a payment, even by a short period like an hour or a day, Afterpay can significantly drop your spending limit R8R72. Some users reported being banned from the service entirely for overdue payments, regardless of their payment history or extenuating circumstances R5R31.
Is Afterpay customer service helpful?
Many users report that Afterpay's customer service is unhelpful, unresponsive, and difficult to reach, with issues like long wait times, unaddressed account freezes, and agents hanging up R3R4R16R17. Some also mention dealing with AI chatbots that are not effective .
Are there common technical issues with the Afterpay app?
Yes, many users experience frequent technical issues, including the app freezing at checkout, single-use cards failing to generate or autofill, login problems, and difficulty verifying identity R1R10R11R14.
Can I use Afterpay in-store in Canada?
While some users in Canada were excited about an email regarding in-store purchases using an Afterpay card, many reported that the option was not available or working for them in Canada R13R332R347R348.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R162] 3/5 · US The good and bad.: Afterpay changed to a single-card use for shopping on Amazon. The Good: Afterpay works best with other online partnered stores. The Bad: Afterpay’s single-card use still gets declines by Amazon right before Amazon is ready to ship my orders. Afterpay now charges a small finance fee for stores that are not partnered using their app. Update 3/1/26: Using Afterpay app to buy from
  2. [R116] 5/5 · US Listened to My Last Review: Thank you for getting rid of the silly interest on gift card purchases, and also bringing back making payments with credit cards.
  3. [R202] 3/5 · US New changes suck: I’ve been using afterpay for about 3-4 years now. I’ve always made on time payments and worked my way up to a decent credit limit. Due to some bad advice from a representative I lost $1000 in credit. Now they have a finance charge for all gift cards and because of that you can no longer include them in bulk pays. I hate the changes and they do not benefit anyone. I will build my
  4. [R19] 1/5 · US Sucks: Zip is way better, can use zip virtually anywhere. Afterpay you cannot. Unless you want to pay a monthly subscription. Afterpay gives a spending limit you can’t even use. Have a credit line over 650 dollars and can only use 25 dollar coverage at select stores. It’s basically useless.
  5. [R6] 5/5 · US Love! Love! Love!: Afterpay is the absolute best company on the internet! Without Afterpay I couldn’t afford a lot of the items I’ve purchased. Thank you Afterpay for spoiling me rotten!
  6. [R38] 5/5 · US Buying things I want.: I’ve been able to buy my Michael korrs purses. Get massages and never worry about having to come up with everything up front. I have the freedom to enjoy making 4 easy payments no interest.
  7. [R61] 5/5 · US No interest!: I really love and appreciate Afterpay! It is convenient, easy to use and no interest! It’s like using the old school “lay away” payment form before high interest credit cards were the payment of choice. Unlike “lay away”, you pay equal installments and get your purchases up front. You don’t have to pay anything off before you get your purchase!😃 It’s a great way to take control of yo
  8. [R159] 5/5 · US Great Pay options without going in to debt: I truly appreciate being able to make purchases with a budget i can afford and have the ability to pay it in 4 . I used it for Christmas shopping last year and it was a great relief not to have to worry about having credit card debt or interest to pay in the end . Thank you After pay !
  9. [R124] 5/5 · US Convenient and easy to manage payments: I love the split payment options. It’s unlimited flex plans. Thanks for this clever idea.
  10. [R170] 5/5 · US Nice app: Works well
  11. [R285] 5/5 · CA Amazing option!: Very easy fast and pretty wow! I can’t pay full price but the biweekly option it’s awesome! I can get anything I can afford! Love it
  12. [R312] 5/5 · CA 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 “
  13. [R9] 5/5 · US Super helpful: Helps me buy what I need either in-store or online. The gift cards help with grocery shopping when short on cash and the customer service is always helpful if I have any questions are issues. 1000% recommend
  14. [R134] 5/5 · US Useful app: Helped me out during Christmas 😅
  15. [R242] 4/5 · US Was Life Saver: I’ll try to keep the story concise. Recently, I was forced to leave my home and had to find a new place, which cost me nearly $6000. That was all the money I had, and I mean all the money I had was enough to move into a new place, so I wasn’t homeless, but I literally had nothing else until my next payday. A friend recommended this service to me, and they were able to prove me for
  16. [R58] 5/5 · US Beautiful🙏🏽💜🙌🏾: I recommend this app🙏🏽🙌🏾💜 I love it. It is helping me with personal items and also helping me improve my credit.
  17. [R201] 5/5 · US Love this app: Haven’t been using his app long but been using Cash App for quite a while. Cash App is great! So far I’m loving Afterpay. It sure comes in handy when you need to make a purchase or buy a last minute gift and you’re running short on cash! Working for me and helping to improve my credit score. Give it a try!
  18. [R128] 5/5 · US Thanks Afterpay: Thank you for not having the interest rate anymore especially when I’m going through a difficult time with a relationship! Thank you!
  19. [R5] 1/5 · US Horrible policies: The same thing happened to me that happened to meany others. They discriminate against those who are poor and lower income despite the fact that those are the people they target. If you let even the smallest bill be overdue for too long, even if you were hospitalized several times, jobless, nearly homeless, broke, no way to pay it. And then eventually pay it off in full. It does
  20. [R8] 2/5 · US It’s okay: Firsti thought afterpay was the best !!! Then my check was delayed by 4 days I paid my bill they paused my account told me I had to built good payment history back up after being with them 2years !!! Definitely paying them off and never using again
  21. [R31] 1/5 · US Worse customer service: I was in the hospital for 3 months no income waiting on disability and Afterpay bans me for an $8 payment I couldn’t pay, then I paid asap and nothing still says I owe orders after 2 days I get a automated response saying I cannot and will not be accepted back to Afterpay , after the thousands I’ve spent in there purchasing app. Wow just wow Afterpay yeah you’re really for
  22. [R72] 3/5 · US One hour missed payment?!: You guys really dropped my spending limit $700 for a missed payment that was one hour late wow I don’t know about using you guys anymore because that’s just ridiculous. I had an $1800 spending limit and I miss my payment by one hour and you guys drop my spending limit to only $1100. Shame on you. It wasn’t even a whole day overdue and you guys decrease my spending limit
  23. [R3] 1/5 · US worst shopping experience ever: I will try to be as succinct as possible as I have already probably wasted 10 hours plus dealing with their alleged customer service team, customer service managers, etc. Long story short, they invoiced me twice, exact duplicates, for an order I made around Christmas 2025. Around that same time I also ordered two books for which they charged me over $150 but actua
  24. [R4] 1/5 · US Horrible theives: This company should be sued til they don’t have a cent left. Unresponsive customer service. Website doesn’t work. Harass you for payments that are NOT DUE YET!!! Do not use them, you’ve been warned
  25. [R16] 1/5 · US Support sucks: Froze my account for no reason. Told me to send pictures to get it unfrozen. I did and it’s still frozen. Support hasn’t responded in days.
  26. [R17] 1/5 · US Support is useless: Horrible customer service do not waste your time
  27. [R1] 1/5 · US Cant Use After Years of Building: I recently tried using Afterpay for a purchase that I couldn’t afford to pay all at once. Every time I reached checkout, the app let me select a payment plan like everything was working, but as soon as I confirmed it, I got a generic “Something went wrong” error. This happened every single time. What makes this even more frustrating is that I have a $3,000 spendi
  28. [R10] 2/5 · US Identity Verification: I cannot verify identity and everything is correct , chat is no help
  29. [R11] 1/5 · US Couldn’t login: No point if I can’t access my account, many potential users facing this issue.
  30. [R14] 1/5 · US App doesn’t make sense: I downloaded this app after hearing how great it was. It was all good until it came to paying. It said that I couldn’t pay with the app since “I didn’t exist”. So I decided to delete everything and restart again. I downloaded the app again and it keeps saying that I already have an account. But I deleted that account. So now I can’t use it. Please let me know what I can do,
  31. [R13] 3/5 · US It’s good but..: This app is great the only thing is Ive been using it for a while and have a lot of money I can use for my limit but they don’t give eligibility to everyone for them to have a afterpay card where they can use it in store so you would think with what I have they would trust me enough for the card but according to the support team they practically pick and choose who gets the card m
  32. [R332] 4/5 · CA 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.
  33. [R347] 3/5 · CA Mixed: I was a ardent fan of Afterpay, I used afterpay when I was in New Zealand, there was an option to use it in store and almost all the stores in Auckland except afterpay🥰. But in canada the usage is been limited, no store payment option-only limited stores are there🥺😢😢
  34. [R348] 3/5 · CA Afterpay card: Afterpay card not working in canada? I get up to the point of creating a pin number and it times out says to try again later

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store