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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Afterpay's account


How to register an account

Registration is free of charge. To create an account with Afterpay, you will need to visit their website or download the Afterpay app to set up a password. Once you have accessed the website or app, you will need to click on the "Sign Up" button. You will then be asked to enter your email address, name, and password. After that, you can choose whether you want to sign up for a monthly subscription or not. This means that your card will be automatically charged on the 1st of each month. Alternatively, you can pay for items individually. According to some sources, it can take up to 3 days for your application to be processed.

How to reset a password

People are people, sometimes we forget created passwords, but Afterpay has developed a secure procedure to restore your account access and shop conveniently. What you need to do in such a situation:

  • Go to the company's website and click on "Log in".

  • Then, enter the email address associated with your account and click "Forgot". You will be asked to provide the mobile number associated with your Afterpay account. After you enter this information, you will receive an SMS 6-digit verification code. You will need to use this code to reset your password and get back online with the shopper community.

There may be other, more complicated cases. For example, if you no longer use the cell phone number associated with your account, or if you have forgotten not only the password but also the email address associated with the account.

In such cases, you should use the "Get in touch" section, enter your e-mail address, select the appropriate subject of your request from the Dropbox list, and enter your first and last name, date of birth, phone number, address specified in the account, country, merchant ID (optional line), add a description of your problem and attach accompanying files, for example, screenshots, if necessary, and submit it. Wait for the Afterpay team to contact you and solve your problem.

Note: Resetting Afterpay account passwords is not possible exclusively by email.

How to delete an account

If you wish to delete an account with Afterpay, you may do so if your outstanding balance is $0

You can delete your personal account with Afterpay at any time by simply requesting it through the mobile app or logging into your Afterpay account through the desktop.

  • Go to "My Profile."

  • Select "Deactivate account."

  • Confirm why you want to close the account.

  • Enter your password to confirm deactivation (we will send you an email to confirm the deactivation of your account once completed).

Note: Afterpay may retain your personal information that it holds for some time after closing your account, including to comply with Afterpay's legal obligations and as described in the Company's Privacy Policy, which is available on the Web site.


How does Afterpay work?

Afterpay operates entirely online on the consumer side but also has an office in Australia staffed by real people. There are no offices in Canada. It offers alternative financial services to consumers and well-known brands. This business idea was a response to people's need for an alternative to banks and other financial institutions and credit unions to pay later. It is free to become a member if you are approved by the buyer community. Once you are approved as a member, you can start making your responsible purchases.

Every member has six weeks to pay back purchased items without any fees. There are four installments, that is why such a repayment system is called pay in four.

Afterpay provides tools that provide friendly reminders of payments due so you can stay on schedule. Responsible consumers who respect the terms of service and make their payments on time can shop freely without having to pay penalty fees.

The company's main source of revenue (about 80%) comes from retailers and brands, i.e. stores found in the list of available ones to Afterpay customers.

How do I contact Afterpay?

Afterpay offers person-oriented, friendly customer service. The company guarantees quick solutions to various situations. If you did not find an answer to your question at FAQ, feel free to contact the company using the contact form on its website. Click on "Get in touch" and select your problem, provide your contact information and attachments if necessary. The contact form is available to customers and representatives of brands and dealers. If you have problems with checkout, refunds, service, pay-in-4 system, the world of sales, etc., you will receive a prompt reply. If it is a complicated problem, you will be informed that it may take more time to process. Apart from the online contact form, you can also call Afterpay or send regular letters to the postal address.

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 September 2022
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