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Afterpay

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Developer
Afterpay
Version
Varies between devices
Downloads
500M
Category
ShoppingTools
Android OS
Varies with device
Content rating
Rated for 3+

Nowadays, there are many financial platforms that facilitate your purchases, management, and more. With many options, it can be complicated to find the best service for yourself. But, what if you could lend money to make your purchases with no interest rate? Well, that’s Afterpay, a financial platform “buy now, pay later” that is rising in popularity in the past few months.

We decided to review Afterpay as a platform, its pros and cons, and what you can do with it. In this post, we share with you our experience and thoughts about the app so you can decide if the app is for you. 

Afterpay, the platform for all your future purchases

We have different options to make purchases, from debit, to credit, to different platforms that offer us various payment methods. However, not many of these platforms allow users to split purchases. Afterpays allows you to split into four interest-free installments, making expensive buys more manageable. This is one of the main features of the platform and the reason number 1 why people love it. 

Another great feature is that the app and service is seamlessly integrated with many retailers, so the process is simple and fast. Also, while you are making your purchase, you can check all the payment details. The app is transparent with charges and fees. Transparent policies ensure users only pay the advertised price, with no surprises in the form of hidden fees.

Using Afterpay is really simple

Afterpay is accessible to all users. Its straightforward and inclusive approval process welcomes a broad user base, regardless of credit scores, location, and age. To create your account you need to be over the age of 18, an email address, a phone number, and a bank account, debit or credit card to make your purchases as usual. 

As soon as you create your account, the platform will perform a soft credit inquiry to see your current historial. This is necessary so the platform can assess your situation and decide the limit for purchases and the amount of installments you can have. The more you use the app, and the longer you are responsible with your payments, the bigger benefits you will have with it. 

If you couldn’t pay in time, you will be charged a $8 late fee. This is the only fee that you can obtain while using the app, and you can see all the details about it on the platform. 

Managing your budget by splitting purchases

One of the common concerns nowadays is how expensive life is becoming and how inflation is impacting everybody’s experience. An incredible financial tool to overcome the situation and keep on a budget is to split your purchases in different installments. This, of course, is what a credit or a loan allows you, but the devil’s in the details, and interest rates can create a major chaos. 

Afterpay is an alternative for these situations since you don’t have interests or hidden fees. You just divided the total of your purchases into 4 equal installments, paying the first one at the moment of the purchase, and the next 3 in the following three months. It is a great option to stay on a budget without sacrificing the things that you want. 

You can download Afterpay on your Android or iOS devices. Below this post we leave you a shortcut to find the app and download it right now. Once it is installed, you can start creating your account. 

Pro

👍 Intuitive platform, easy to understand and use.

👍 Many online retailers are using the platform.

👍 All information is transparent and available.

👍 Accessible to everybody with minimal requisites,

Con

👎 Some major retailers and stores aren't partners yet, for example, Walmart.

👎 Using the app won't build you credit or improve your score.

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Ratings

3.8

Screenshots

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