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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 app


Mobile App

Features of the app

Shoppers can use the Afterpay mobile app or the internet to make purchases. You may use Afterpay's pay-in-four finance option while buying on the mobile app. You'll pay 25% upfront using your debit or credit card on file, and the remaining 75% will be spread out over three installments every other week.

It's not only possible to browse and buy on the app, but you can also evaluate and pay for your prior purchases, as well as customize your experience. The app also lets you change your payment method and track your shipments.

How to download the app

For Android users

Go to the Google Play and find an application under the name of "Afterpay: Shop now. Pay later." Click Install and wait for the app to complete the downloading process. Once it appeared on your screen, you can use it for purchases.

Afterpay on Google Play

Download app

For iOS users

In the AppStore, click Download on the "Afterpay: Shop now. Pay later." application. It will be installed on your phone. After it is done, you can log into it and start purchase the products.

Afterpay on App Store

Download app


How to apply in the app?

Generate Afterpay barcodes quickly and effortlessly. First, create your barcode in-store or before shopping. Then, present your barcode at the register to pay. After your initial payment, you may take your item home. 

How to restore the access to the app?

  1. Go to 'My profile.'

  2. Then, click 'Reactivate my account.'

  3. Enter the password you used to log in.

  4. Check out your financial information (name & address).

How to delete the app?

  1. Go to your Android phone's settings menu.

  2. Select 'Apps.'

  3. Select the Afterpay - Buy Now option.

  4. Delete the Pay Later app.

  5. "Uninstall" the app. 

What to focus on before applying for a loan with Afterpay

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Afterpay and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Afterpay’s reviews by September 2022
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