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Afterpay's application


How to apply

If you want to use Afterpay's payment option, you will need to create an account either on the website or via the app. Participation requirements:

  • The customer must be at least 18 years old;

  • Must be the authorized holder of an eligible debit or credit card; Must provide ID;

  • Must provide a valid contact email and cell phone number;

  • Name, Last Name;

  • Create a password for future logins.

Then the company performs an internal verification process of the information provided before your account becomes active and you can purchase clothing and accessories from various brands and retailers. According to some sources, applications can be approved on the same day or within up to 3 days.

Application details

To apply, you will need current personal information, contact information (cell phone number, email, city of residence), and banking information, as your card will be used to provide your payments in four installments for approved transactions.

The Contact Center operates Monday through Friday from 9:00 am to 6:00 pm. On Saturday the working hours are shorter: 9.00 am to 1.00 pm and Sunday is a day off.

To sign up, you need to create an account with Afterpay, get verified and approved, get the amount of your initial spending limit, and then you can enjoy the sales. Buy clothes and accessories now and pay later, within six weeks. Instead of browsing different websites, you get bundled, up-to-date information in one place. Men and women from different countries became part of this system, get interesting shopping news and save time and money.


Reasons for rejection

Here are some reasons why a payment may be declined with Afterpay:

  • Your original payment amount was not available at the time of purchase;

  • There may be a problem with your bank that issued the card you linked to your Afterpay account;

  • Your Afterpay account has past due payments. Afterpay's risk management department has declined your payment because your limit is frozen until you repay all past due amounts.

How long does it take to get approved by Afterpay?

If you are a member of Afterpay and have no overdue payments, you will receive instant approval for your purchases within the available limit and can proceed to checkout.

How trustworthy is Afterpay?

The company officially provides services to retailers, customers, and brands. Companies that work as sellers have their own personal accounts, just as this procedure is offered to customers.

Afterpay was founded in 2014 in Australia and has a good reputation in the services market services.

Does Afterpay verify income?

Afterpay does not verify your income, but it is in your best interest to have a stable income to ensure repayment of installments due. Whether or not you have met your payment plan will also affect your future spending limit and its status (active or frozen until you repay outstanding balances).

Does Afterpay hurt your credit score?

Afterpay itself does not harm your credit score or check your credit history. It should be noted, however, that the company reserves the right to sell your debt to third parties who may initiate collection proceedings and may hurt your credit score. It should be noted that some reviews on the web mention debt reporting and thus, credit score affecting.

Calculate loan payments in Afterpay

Afterpay calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

100 $
2000 $
Loan term

Specify the loan term for the calculation


What to pay attention to when applying for a loan from Afterpay

  1. The company must have a license if it runs business in Alberta, British Columbia, Manitoba, Ontario and Quebec.
  2. You can check the availability of the relevant license (copy) at the branch of the lending company.
  3. Membership in a self-regulatory organization (SRO) is an additional guarantee of the reliability of the lending company. This information can also be checked at the company's branch or on its official website.
  4. Availability of lending policies.
  5. The procedure for applying for a loan.
  6. The procedure for concluding the loan agreement and receiving the payment schedule.
  7. Other conditions for granting loans.

We recommend

  1. To check out the interest rates and frequency. 
  2. Check the availability of individual terms in the loan agreement (principal amount, term, date of advance, etc.).
  3. Check whether the loan agreement contains information about the total cost of borrowing.
  4. Take time to think – you can change your mind before agreeing or signing a loan agreement.
  5. Speed of loan processing.
  6. Accessibility – alternative lenders often operate where there are no bank branches.
  7. For the borrower - high interest on the loan.
  8. For an investor, the safety of funds is not guaranteed by the state.

What distinguishes Afterpay from banks:

  1. Simplicity - loan processing is less formalized than in a bank.
  2. Fast loan processing.
  3. Accessibility.
  4. For the borrower - high interest on the loan.
  5. For an investor, the safety of funds is not guaranteed by the state.
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All Afterpay’s reviews by October 2022
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