Afterpay - Buy Now, Pay Later Reviews

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. this app 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 this app 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, this app for existing and for giving me a quality of life that I couldn’t have otherwise in my current financial situation.

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 this app 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 this app!

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 this app. 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 this app for as long as I can and anyone I think could benefit from it. The only things close to “cons” about this app 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 this app. It’s AMAZING!! Highly recommend!!!

Such a great app and a great idea! I have used other 4 payment apps like this and they arent bad either, but this app 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 Afterpay. 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!!! Afterpay 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 Afterpay but hey, you only live once!

I don’t have anything bad to say about this app, but I do have a suggestion. First let say that this app 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 this app. 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 this app, you’re still awesome.

I use this app 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 this app 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 !

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 this app. 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 this app is terrible as well. It took almost four days for them to respond to my email versus an immediate resolution with Klarna chat.

I love this app. 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 this app 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! Afterpay 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.

After pay is amazing , you can literally buy your items at the same price just splitting the payments into 4 separate payments. Each payment is due every 2 weeks, and the only thing you paying upfront is the first payment of the 4. For an example, if your item totals out to $100 , $100 divided by 4 is $25 for 4 payments. You will pay the first $25 the time you purchase your item, leaving your balance due at $75, then you will pay the rest every 2 weeks. I have reached a status where they give you special offers just for using their app with partnering stores. They even gave special events for exclusive members that use this app, which they offer you major sales on retail items at stores that would generally be regular price for a non this app user. I made several purchases at that time of their sale event which in one purchase I got 50% of regular price shoes just for being an this app member. With that being said I suggest using Afterpay and learning more about how to use it. Also they are supposed to be eventually reporting to the credit bureau so it can help improve your credit score!

I first started using this app last month when I made a rather large order. The idea and the concept is really cool but Afterpay 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 this app 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 Afterpay , 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 this app again. I definitely would NOT recommend them to anyone.

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. this app 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 Afterpay and this program.

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.
Afterpay handles it all beautifully, all the info you could need or are looking for is readily accessible within Afterpay 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.

I am tempted to only give 4 stars because the one (and only way IMO) this app 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 this app 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 this app 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 this app. So many great stores and I see more every time I pop in.

I have been using this app for about 2 years now. I have spent thousands of dollars through them. I faced financial hardship due to COVID. I contacted them and they were very nice and said I would have to make my next payments until July. I really only needed a week or so to get my financials in order. I paid it off a few weeks later. I really appreciated them being so cool and I love that about this company (I had to do it once before when my card came up with fraudulent charges).

Now that I’m back to work I’ve been trying to use this app like I had before. To my dismay and as another reviewer put it, I am being “punished” for my not being able to pay on time. I completely understand that this is a business and they can’t just go off the promise of the customer that they will pay. I just hate the way they go about it. I have been allowed to make a few small orders which I have been paying off early but I usually get an message telling me I need to pay off some things before I can order anything else (understandable). I paid off 3 payments and still wasn’t allowed to order anything at all. So basically they lied. Afterpay is pretty much useless now.

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 this app 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 this app listed specifically as a form of payment, but then don’t link to your app to login- and others don’t have this app listed as an option, you have to have the this app card set up on your phone as a form of Apple Pay and then keep Afterpay 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.

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 Afterpay/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 this app. Also the most professional rather than those other Apps (I won’t say). I may have had one issue with this app but it wasn’t even there fault it was the company using this app. 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!

I’ve made 2 different purchases using this app 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…

I love this app, I never thought of using Afterpay before because I thought it would be complicated and have undercover fees. But to my surprise this app 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 this app 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 Afterpay 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 this app! I love it! Thank you this app for changing my life so I can Have the flexibility of buying without have to stay broke lol!

this app 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 & this app has always been understanding & helpful. I have outstanding student loans so my credit isn’t great. this app 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 this app does. In short, this app is the way to go for those of us that love to shop but aren’t swimming in cash! 🏊🏻‍♀️💵 Cheers to this app…a shopaholic’s best friend!🍾🥂😍

i love this app 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

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 this app 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 Afterpay 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 this app 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!!!

Had an issue with my bank card for potential fraudulent activity so they sent me a replacement card. In the meantime of course a few of my this app payments didn’t go through and I had to wait for my new card to come in. So out of literally hundreds of paid off in time purchases I’ve had with them, they keep saying my purchase is too much. A single purchase of $50! When I don’t even have any open purchases. All paid for. So out of over $15,000 in purchases with them easily all paid for on time, now they are giving me a hard time. So I attempted to ask for help to just get this issue fixed and looked into. And instead they send me a automated message that literally solved nothing about what I asked. 🤦🏻‍♂️🤦🏻‍♂️🤦🏻‍♂️ oh well I highly recommend five stars to QuadPay, sezzle, Klarna and affirm!! Their customer service is outstanding !!! I had the same issue with them and they understood how the card issue missed me up but it was no issue at all!! If you’re looking into this app check out the others i just sent! Klarna and QuadPay even are more advanced as you can use a virtual card to make purchases ANYWHERE !!! Same zero interest split into 4 as well!! Hopefully this app will fix this if not oh well I have plenty of options as do anyone else in the same boat 🤷🏻‍♂️🤷🏻‍♂️🤷🏻‍♂️

I was fairly new to using this app, 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 this app as a payment method. It is a top notch app. I have absolutely no complaints. Anyone who has an this app account needs Afterpay. Thank you!!!

These folks at this app 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 this app for months and have found it to be the best payment option. I have used other “Payment Apps” but this app 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 this app 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 this app 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 this app 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.

I have been using Afterpay 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 Afterpay , 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 this app. 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 this app 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.

I was very excited to use this service but at one point I needed to update the payment information and Afterpay 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 Afterpay was not accepting it. So he HUNG UP ON ME. I called back and a new guy let me know that Afterpay doesn’t always accept payment methods and it can be done on a desktop. So Afterpay is crap.

Additionally: I tried to update my password and Afterpay 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 this app 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 Afterpay - 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.

The convenience and alert system with Afterpay 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 this app 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 this app. That was my first question so I figured I would share that. Easy peasy.

I absolutely love this app! 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 this app 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 this app 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 this app! You will ALWAYS have me as a customer as long as the service remains free!
TT

So, technically, I’m “Generation X”. Yes, I’ve been on the internet since 1995. Yes, I wore all the hip 90’s clothes, listened to all the hip bands, hell I was a Scenester before it was Passè. But I digress...

All these years I never opened a line of credit. Heck I never even owned a credit card!! I mostly eschewed banks as well, sticking to cash and online payment systems during since their inception. So essentially.. I have no credit!

As a grown adult, it was starting to be kind of a pain. Kind of embarrassing. On one hand I never had to deal with the woes of financing and monthly payments like most of my friends. On the other, I had to basically save and buy everything up front. And could not do things that required credit checks. Like, signing for an apartment lease.

Enter this app. It’s teaching me how to responsibly make payments without “The Man” watching over. And it’s so,so much way cooler than Fingerhut (which if you are my age you know what I mean).

So thanks, this app, for making me choose my financial decisions more carefully and responsibly, and for not putting the ol’ credit score ball and chain on me. I’ve been able to make purchases that I genuinely needed, which would of been not possible otherwise. And yeah, a few purchases of stuff that I totally didn’t really need.

But hey.. they are paid off.

So I, like almost every woman desire to have designer purses, makeup, self improvement things, clothes, even nice things for my pets! But- I can’t always afford them full price all at once, with after pay I can shop for things I want and have my cart total divided into 4 payments! After pay has a HUGE selection of stores to buy from and there is no interest! The only reason I didn’t give 5 stars is because it caps your orders at a pretty low number. I had 2 orders each only $12 a week (for 4 weeks) and when I went to do another order for only $20 for 4 weeks it said I had to pay off my other orders first. That is my only quarrel, not a HUGE deal, I get they are trying to protect themselves but yeah....

Give it a try! If you’ve been saving for that one thing you don’t NEED but WANT and DESERVE, this app let’s you get it without going broke over it :) thanks this app!

This is such an amazing service. I don’t have the world’s greatest credit score, but it’s mostly because I just don’t have enough credit history. It’s like “apply for this card & build your credit”, but then your application isn’t approved because you don’t have enough credit history! It’s a maddening “catch 22”. I miss out on certain things because I need the opportunity to break it up into payments that generally comes only with a credit card. It’s a great tool for getting the hang of managing your money very simply...and you don’t have to wait to purchase something you love until you’ve saved enough, only to have it be gone/sold out, or to inevitably use that money for something else just because you have it...saving is very challenging when you have money burning a hole in your pocket! I highly, highly recommend this app!!

this app is easily one of the best apps out there. Having the ability to finance my online shopping habits without adding purchases to my credit card, which are usually reserved for emergencies and other day to day expenses, is absolutely amazing. The four installments are perfect for larger purchases that I usually would not make. As a college student, my wardrobe is constantly rotating and being able to wear what I want and buy what I want really helps the lifestyle I want to live while still being financially responsible. I have used this app for many of my purchases some even including refunds. If I can use this app I will use it no matter the amount of my purchase. They have a lot of retailers to shop from and keep adding more all the time with the best deals! Being able to pay early if you want to is absolutely perfect for my budget!

This is a blessing from god ! A new way of shopping for RESPONSIBLE people. If u can’t afford to spend all ur money at once due to bills and stuff but really want something from a store this is a Good service to use . But keep it mind that u got to be responsible with it . Meaning don’t max out ur cart just cause u can. Get what u would normally spend knowing that you can pay it back. With that being said I’m very grateful for this service because i was able to snag my self some (SELENA) merchandise from FOREVER21 before it got sold out online and I got the option to pay them back in 4 payments . The first payment is DUE the same day you make the original purchase and after that they break down what u owe in to separate Payments so that You can still pay them back and it wont effect u .

I have never had an issue with after pay. I have always paid my balances, until one payment was late due to me not earning an income for a period of time. I still was approved for purchases after I became gainfully employed. Recently, I tried to buy shoes for my daughter and hair products for myself. Both purchases were denied. The reason given was that my this app balance was too high. It was $53!! Really? So I paid what was due. STILL did not get approved for a purchase. I’ve had 3 purchases going at the same time with no trouble and the balances were higher than $53! I’m beyond irritated since now my this app balance is $25 and I still cannot make a purchase! I tried calling them and got no one on the phone. I’ve been using this app for a year now. Looks like our relationship is over since I can’t get approval with only having a $25 balance.