About This App
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Category
Shopping
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Installs
5,000,000+
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Content Rating
Rated for 3+
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Developer Email
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Privacy Policy
https://www.afterpay.com/privacy/
Screenshots
Editor Reviews
Afterpay is a shopping and payments app designed to help you split purchases into four interest-free installments. It launched in Australia back in 2015 and has since become a popular way to shop online and in stores across the US, UK, and other countries. You can download the Afterpay app for free from both Google Play and the Apple App Store. It has been installed tens of millions of times from Google Play alone. There's no cost to download or install the app, and using Afterpay at checkout doesn't charge you any interest if you pay on time. You do need to create an account and link a debit or credit card to use the service. The app itself doesn't have traditional in-app purchases, but you use it to make purchases at thousands of partnered retailers. You might see some promotional content for shops within the app, but there aren't disruptive ads.
Using the Afterpay app is pretty straightforward. Once you install it and set up your account, you can browse shops directly in the app or shop online as you normally would. At checkout on a supported website or in a physical store, you just select Afterpay as your payment method. The app automatically splits your total into four equal payments, charged to your card every two weeks. The first payment is due at the time of purchase. I find it super helpful for budgeting bigger items I need now, like a new pair of shoes or some home decor, without the sting of paying all at once. A simple tip from a regular user: always make sure you have enough funds in your linked account on the payment dates to avoid late fees. The app sends you reminders, which is great. Another handy feature is the "Pulse" tab, which shows you new stores and deals you can use with Afterpay.
Compared to other "buy now, pay later" apps like Klarna or Affirm, I keep choosing Afterpay for a few reasons. The four-payment, no-interest structure is the cleanest and easiest to understand—no calculating APR or choosing different loan terms. For in-store shopping, the Afterpay card in my digital wallet works seamlessly at checkout, which feels more integrated than some competitors. While Klarna offers more payment options (like paying in 30 days or financing), I prefer Afterpay's simplicity for my regular shopping. It feels less like a loan and more like a budgeting tool. The app design is also very user-friendly, making it easy to track upcoming payments and my spending limit, which helps me stay in control.
Features
- 🔍 Split Payments at Checkout: The core function is splitting any purchase into 4 interest-free installments, paid every two weeks. This is simpler than Affirm, which often involves a soft credit check and varying loan terms for different amounts.
- 🔍 In-Store & Online Shopping: It provides a digital card for your Apple Wallet or Google Pay to use at physical stores that accept Afterpay, not just online. This omnichannel approach is more seamless than some apps that are online-only.
- 🔍 Browse & Shop Directly: The app has a built-in marketplace ("Shop Directory") to discover and browse hundreds of partnered retailers, which stands out for discovery compared to just using it as a payment method on other sites.
- 🔍 Payment Tracking & Management: It clearly shows your upcoming payments, spending limit, and order history all in one place, offering better upfront visibility than some bank-based installment plans.
Pros
- ✅ Truly Interest-Free: When you pay on time, there is zero interest, unlike credit cards or some financing options from competitors that may charge APR.
- ✅ Simple, Predictable Schedule: The four-equal-payments model is easy to budget for and consistent across all purchases, which is more straightforward than variable plans.
- ✅ Fast Approval & No Full Credit Check: Getting a spending limit is quick and uses a soft credit inquiry, so it doesn't hurt your credit score to sign up, making it more accessible.
- ✅ Wide Retailer Acceptance: It works at a huge variety of stores, from big brands to small boutiques, giving you more flexibility than services with a limited network.
Cons
- ⚠️ Late Fees Can Add Up: If you miss a payment, the late fees (typically around $8) can become expensive quickly, which is a stricter penalty model than some services.
- ⚠️ Spending Limit Can Be Low: Initial spending limits might feel restrictive compared to traditional credit lines, potentially requiring a history of on-time payments to increase.