Afterpay: Pay over time

so far I've had zero luck at successfully making a purchase through the app. It seems promising so I'll attempt making a purchase but always during the final steps the app starts glitching and I get an error message saying whoops something went wrong try again later. I've been through this 8-10 times on different occasions with plenty of time between all my attempts and yet still something goes wrong. I'm afraid this app has been nothing more than a complete waste of my time. 😞

Works like a credit card, but w/o the late fees or interests. When everything's good, it's great! But if it's bad, they won't help you. They close disputes before fully investigating the problem. They'll repeatedly ask for info you already gave. If you get a refund on an order, NEVER OPT FOR STORE CREDIT. You'll still have to pay them for the returned items. No one tells you this. And they always overcharge you for your purchases in case of "unexpected fees," and won't always refund you. Be wary

I absolutely love afterpay !! Its a life saver !! I love being able to get what we need and do it in payments. edit.. I have been using after pay for years very very rarely do I have a late payment. I hate the fact that someone can use this app loyaly for years. and make just one late payment, only a day late might I add and all of a sudden the amount that I am allowed to get goes from 750 down to 70. that is ridiculous. over one , day late payment.

So the app fails to tell you at sign up that you'll need 25% of your first initial purchases to take advantage of any credit line they give you, then they fail to explain during sign up that you need to use the app for a while before they offer zero down options and use a tier system to designate what to advance, they also do not state how often or how many transactions it takes to advance up tiers in order to purchase more things. All in all, just get a credit card, less complicated than this.

This app has gone down hill so fast!! Zip is 1000X better IMO! With zip you have an amount, and you know what it is and you can always use it. Afterpay limits you ALL THE TIME! It didn't use to be like that. I would have 10 or 12 orders open at a time. Now it picks when I can have an extra order or not. What's the point of having a certain limit if you can't use it. Which is why zip is better. Not ONCE have I been declined with zip! so I'm paying off afterpay and using only zip from now on.