Afterpay
Buy now, pay later service that splits purchases into four payments, online and in stores.
Updated · AppBreakup editorial · Web, iOS, Android
Is Afterpay free?
Yes, free to use
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About Afterpay
Afterpay lets shoppers split a purchase at partner retailers into four instalments, with the first paid at checkout and the rest roughly every two weeks, so the whole amount is paid over about six weeks. Pay in 4 is interest-free at partner brands; Afterpay earns most of its money from merchant fees, and charges late fees if a payment is missed, with a cap on how much those can add up to. Some longer plans with a finance fee are also offered to eligible US customers. The app doubles as a shopping directory, lets you reschedule payment dates, and can add a digital Afterpay Card to Apple Wallet or Google Wallet for in-store purchases. Afterpay is owned by Block, the company behind Square and Cash App, and operates in the US, Australia, New Zealand, Canada and the UK (where it is called Clearpay). It is free to sign up and works on the web and through Android and iOS apps.
Best for: Shoppers who want to split smaller purchases into four interest-free payments at popular retailers.
Pros and cons
What works
- Pay in 4 has no interest at partner brands
- Late fees are capped rather than open-ended
- Digital card works in stores through Apple Wallet and Google Wallet
- Payment dates can be rescheduled in the app
Why people leave
- Only works at participating retailers or through the in-app card
- Missed payments bring late fees and can pause your account
- Longer monthly plans carry a finance fee and are not available to everyone
Afterpay vs Klarna, Affirm and PayPal
From each app's listing and the prices verified on its own site. A dash means we haven't verified it yet.
Top Afterpay alternatives
See all 6- 1
Klarna68.8Accepted at more stores worldwide, adding pay in 30 days and longer monthly plans to the same pay-in-4 option.
- 2
Affirm61.8Longer monthly instalment plans for bigger purchases, not just four payments.
- 3
PayPal54.4Pay in 4 is built into PayPal checkout, so it works at many stores that don't offer Afterpay.
- 4
Zilch42.3For UK shoppers: spread purchases at almost any store that takes Mastercard.
- 5
Tamara42.3Interest-free instalments with no late fees for shoppers in Saudi Arabia and the UAE.
Why people left Afterpay
In reviewers' own words, from reviews of the apps they moved to. These are their opinions, not ours.
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Afterpay: common questions
What is Afterpay?
Afterpay: Buy now, pay later service that splits purchases into four payments, online and in stores. Best for shoppers who want to split smaller purchases into four interest-free payments at popular retailers. Available for Web, iOS and Android.
Is Afterpay free?
Yes, Afterpay is free to use.
Is Afterpay open source?
No, Afterpay is not open source.
What platforms does Afterpay run on?
Afterpay is available for Web, iOS and Android.
What are the best alternatives to Afterpay?
The highest-ranked Afterpay alternatives right now are Klarna, Affirm and PayPal. See the full ranked list for pricing, platforms and verified facts.
Afterpay vs Klarna: what's the difference?
Both Afterpay and Klarna are free to use. Both run on Web, iOS and Android.