# Afterpay: Pay over time — Shop Now. Split your payments.

> Buy now, pay later service for online and in-store purchases. (iPhone/iPad app by Afterpay.)

- Source: https://appshunter.io/ios/app/afterpay-pay-over-time/id1401019110 (this page in markdown: same URL + `.md`)
- Developer: [Afterpay](https://appshunter.io/developer/1221203041)
- Category: Shopping, Finance
- Price: Free
- Rating: 4.90/5 from 752,441 App Store ratings · 1,000 written reviews indexed
- Age rating: 17+
- Requires: iOS 16.0 · 152 MB
- Languages: American English, Canadian French
- Released: 2018-08-07
- Data updated: 2026-08-29
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/afterpay-pay-over-time/id1401019110/reviews.md

## What is Afterpay?

Buy now, pay later with Afterpay. Shop your favorite brands online, in-store, or in the app. Access exclusive deals by shopping in the Afterpay app. Get what you want now, and pay over time. Choose to pay in 4* generally over the course of 6 weeks, or up to 24 months**.

With Afterpay you can discover and shop new brands and products, and get exclusive discount shopping. Buy now from fashion, beauty, home, toys, tech, and more.

With over 700k five-star reviews, Afterpay is the app you need to split payments. Shop now when you download Afterpay. Access in-store or online shopping with your pre-approved spending limit and pay in 4 for your favorite products.

AFTERPAY FEATURES:

PAY IN 4
- Shop now and split your purchase to pay in 4 payments.
- Split payments and pay generally over the course of 6 weeks.


PAY MONTHLY
- Discount shopping with Afterpay allows for payment flexibility with monthly payments on eligible orders at participating brands.
- Buy now and pick the plan that works for you. Split payments in 3, 6, 12, or 24 months, depending on your order amount and merchant availability.

SHOP NOW AND DISCOVER MORE IN THE APP
- Discover even more app-exclusive brands in fashion, tech, travel, and more only in the app.
- Explore curated round-ups and gift guides from our editors.

GIFT IT WITH AFTERPAY
- Gift even easier with gift cards from hundreds of top brands available exclusively in the Afterpay app.
- Select your gift card, send it directly to your recipient’s inbox, and pay over time.

BUY NOW WITH AFTERPAY IN-STORE
- Shop now for your favorite brands in-store with Afterpay.
- Tap to pay, and take it home today.

MANAGE YOUR SPLIT PAYMENTS
- Review your Afterpay orders and manage payments in the app.
- Select your preferred payment day to make your payment schedule work for you.

STAY INFORMED WITH NOTIFICATIONS
- Manage your notifications to stay up to date on your account, new brands, and exclusives.
- Get alerts on your activity, payment schedules, and special offers.

BUY NOW TO UNLOCK MORE SPENDING POWER
- Unlock higher spending limits when you pay on time.
- Check your spend limit and keep on top of your finances in the Afterpay app.

24/7 CUSTOMER SUPPORT
- Get support anytime you need.
- Use our customer support chat or access FAQs in the app.


By using the Afterpay app, you agree to the applicable Terms of Use (https://www.afterpay.com/en-US/terms-of-service) and Privacy Policy (https://www.afterpay.com/en-US/privacy-policy).

*You must be 18 or older, a resident of the U.S. and meet additional eligibility criteria to qualify. For access to in-store, additional verification may be required. Late fees may apply. Payment amounts shown are estimates and depend on eligibility and exclude taxes and shipping charges, which are added at checkout. For complete terms see Afterpay terms (https://www.afterpay.com/en-US/installment-agreement) and Cash App terms (https://cash.app/legal/us/en-us/tos). Loans to California residents made or arranged pursuant to a California Finance Lenders Law license.

**You must be 18 or older, a resident of the U.S. and meet additional eligibility criteria to qualify. Loans through the Afterpay Pay Monthly program are underwritten and issued by the First Electronic Bank. A down payment may be required. APRs range from 0.00% to 35.99%, depending on eligibility and merchant. As an example, a 12 month $1,000 loan with 21% APR would have 11 monthly payments of $93.11 and 1 payment of $93.19 for a total payment of $1,117.40. Loans are subject to credit check and approval and are not available in all states. Valid debit card and acceptance of final terms required to apply. Estimated payment amounts shown on product pages exclude taxes and shipping charges, which are added at checkout. See https://www.afterpay.com/en-US/loan-agreement for complete terms.

## Key features

- Split purchases into 4 payments
- Monthly payment options available
- Discover exclusive deals and brands
- Shop in-store with tap-to-pay
- Manage payments and orders
- Unlock spending power
- Gift card purchases

## Chart rankings

- #35 in Top Free · Shopping (US App Store)

## What do users think of Afterpay?

Overall sentiment: mixed

**Pros**

- 🚀 Convenient payment plan
- 💳 No interest or hidden fees
- 🤝 Good customer service (initially)
- 📈 Increasing credit limit with usage
- 🛒 Wide range of participating stores
- 🕰️ Flexible payment scheduling
- 💰 Helps with budgeting and affordability

**Cons**

- 🐛 App/website technical issues
- 🔒 Security and privacy concerns
- 🤖 Lack of human customer support
- 🔽 Drastic credit limit reductions
- 🚫 Accounts closed/banned for minor issues
- 💳 Incompatibility with certain payment methods
- 🕰️ Automatic payments causing overdraft issues

**Commonly reported bugs**

- Orders not processing properly
- Payment issues and declined transactions
- Inability to update payment information
- App crashes and login problems

**Most requested features**

- Report payments to credit bureaus
- More flexible payment scheduling options
- In-app customer service chat/phone support
- Ability to use Afterpay for recurring bills/expenses

## Recent user reviews (10 of 1,000)

All indexed reviews: https://appshunter.io/ios/app/afterpay-pay-over-time/id1401019110/reviews.md

### 1/5 — Worse service ever

*2026-08-26, version 1.143.0*

You cannot buy and return, you will never get your money back with Afterpay. They hold on to your money until you give up trying to get it back.

### 1/5 — Failure to deposit

*2026-08-25, version 1.143.0*

I used Afterpay for the first time when I purchased something’s on Temu. I returned 2 items and picked to have the money sent back to my bank account after Temu notified Afterpay.  Temu sent me a confirmation stating Afterpay was notify and my money should go back into my bank account. It’s been about a month and no money has been received from Afterpay. I have tried to contact them regarding my deposit and all I get is the same message. After I’m done paying them I will never used Afterpay ever in my life. Very frustrating and disappointed in Afterpay.

### 1/5 — Still being charged

*2026-08-25, version 1.143.0*

I check my account today and realized I been charged and I haven’t used this service since march this year!!!Not one but twice in one week this is crazy work I’m not benefiting from this!!!!

### 3/5 — Can’t get a loan

*2026-08-25, version 1.143.0*

Stupid that you have to pay 100 dollars before you can use any money this app just being reported as a waste of time and fraud saying you can get a loan the saying you have to pay 100 dollars before you can use it when no one who tries and get can that the whole point of a loan is to get it then pay for it

### 1/5 — Not satisfied

*2026-08-25, version 1.143.0*

Logging in is taking years

### 1/5 — Hacked can’t get anyone to help over 1500 dollars was taken from me

*2026-08-24, version 1.143.0*

After pay will not help me with my unauthorized purchases

### 1/5 — No help

*2026-08-24, version 1.143.0*

On two separate occasions, I’ve paid for a gift card and the cards end up having no money on them at time of redemption but other than that, Afterpay was OK and it just started over the last month or so

### 1/5 — This app is a scam

*2026-08-24, version 1.143.0*

Scam

### 1/5 — Stole 90 dollars from me

*2026-08-24, version 1.143.0*

Only gave 32 back

### 2/5 — All love

*2026-08-24, version 1.143.0*

❤️❤️❤️❤️

## Frequently asked questions about Afterpay

### What is Afterpay?

Afterpay is a service that allows you to shop now and pay for your purchases over time. You can split your payments into manageable installments, typically paying in 4 over six weeks or opting for monthly payments on eligible orders.

### How does the 'Pay in 4' feature work?

With the 'Pay in 4' feature, you can split your purchase into four equal installments. The first payment is due at the time of purchase, and the remaining three are generally paid every two weeks over the course of six weeks.

### Can I shop in physical stores with Afterpay?

Yes, you can shop in-store with Afterpay. You can use the app to get a pre-approved spending limit and then tap to pay at participating retailers, taking your items home today and paying over time.

### What are the eligibility requirements for Afterpay?

To use Afterpay, you must be 18 or older, a resident of the U.S., and meet additional eligibility criteria. For in-store purchases, further verification may be required. Late fees may apply if payments are missed.

### How can I manage my payments and orders?

The Afterpay app allows you to easily review your orders and manage your payments. You can also select your preferred payment day to align with your schedule and stay informed with notifications about your account activity and payment schedules.

## Version history (last 5 releases)

### 1.143.0 — 2026-08-21

Improved experience with bug fixes and updates.

### 1.142.0 — 2026-08-05

Improved experience with bug fixes and updates.

### 1.141.0 — 2026-07-23

Improved experience with bug fixes and updates.

### 1.140.0 — 2026-07-05

Improved experience with bug fixes and updates.

### 1.139.1 — 2026-06-21

Improved experience with bug fixes and updates.

## Apps similar to Afterpay

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| --- | --- | --- | --- |
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## More apps by Afterpay

- [Afterpay. Pay over time](https://appshunter.io/ios/app/afterpay-pay-over-time/id1230286588)
- [Clearpay - Buy Now, Pay Later](https://appshunter.io/ios/app/clearpay-buy-now-pay-later/id1474022186)

All apps by Afterpay: https://appshunter.io/developer/1221203041

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*