Afterpay: Pay over time icon
Why Afterpay Became My Go-To for Budget-Friendly Shopping

by Afterpay

4.9
IOSShopping
If you’ve ever wanted to spread out payments for online purchases without interest or hidden fees, Afterpay delivers exactly that. It’s perfect for managing bigger expenses like back-to-school shopping or holiday gifts without draining your bank account all at once. The app is straightforward, approvals are quick, and it integrates seamlessly with tons of popular retailers.

My Full Experience

I’ve been using Afterpay for about two years now, and it’s completely changed how I approach online shopping. Instead of stressing over a large one-time charge, I can split my payment into four smaller installments, due every two weeks. No interest, no sneaky fees—just a clear, predictable schedule. The app itself is super intuitive; you can browse partner stores right within it or use the virtual card at checkout on supported sites. I’ve used it everywhere from Target to Sephora, and it’s been a lifesaver during busy seasons like Christmas or back-to-school. One thing I really appreciate is how your spending limit increases over time as you make on-time payments. It rewards responsible use, which feels fair. That said, it’s not accepted everywhere yet—I’d love to see more luxury brands join. But for everyday and mid-range shopping, it’s incredibly reliable. If you’re someone who prefers avoiding credit cards but still wants flexibility, this is a fantastic tool. Just remember to budget for those upcoming payments!

Key Features

  • Split purchases into 4 interest-free payments
  • Spending limit grows with on-time payments
  • Works at thousands of popular online stores

Why Users Love It

No interest or hidden fees
Quick approval and easy app navigation

Perfect for: Perfect for budget-conscious shoppers who want flexibility without credit cards.

Screenshots

Afterpay: Pay over time screenshot 1Afterpay: Pay over time screenshot 2Afterpay: Pay over time screenshot 3Afterpay: Pay over time screenshot 4Afterpay: Pay over time screenshot 5Afterpay: Pay over time screenshot 6

📊Ranking History

Track Afterpay: Pay over time's performance in Shopping over the last 30 days

Top 5
Top 10
Top 15
Below 15

Current Rank

#33

1 from last week

Best Rank

#23

🏆

All-time high

Average Rank

#30

📈

30-day average

User Reviews

Diva9mille
Aug 15, 2025

In my opinion and what I experienced, this is my go to place from now on. Thanks after pay!!!! OMG, I love this app. It really does make shopping easier. In my opinion and what I experienced, this is my go to place from now on. Thanks after pay!!!!

karisa 1111
Aug 19, 2025

Afterpay has came through in a couple emergencies, especially for car tires. I love this app. It is super easy and user-friendly. The payment plans are super flexible. It is overall great to use. Thanks, Afterpay.!!!! Saved my butt Afterpay has came through in a couple emergencies, especially for car tires. I love this app. It is super easy and user-friendly. The payment plans are super flexible. It is overall great to use. Thanks, Afterpay.!!!!

racs24
Aug 29, 2025

i love this and has afterpay for quite some years now. but i really wish it would bring back the rewards that was definitely a game changer. i really like when they had the first week free too please bring back. thanks rewards i love this and has afterpay for quite some years now. but i really wish it would bring back the rewards that was definitely a game changer. i really like when they had the first week free too please bring back. thanks

shasmine5
Aug 29, 2025

This been the most absolute best app ever. It gives the flexibility of being able to travel when you are tight. I can stress enough how it has helped me to travel to be with my family when money is short. Love it!!!! The best pay over time app This been the most absolute best app ever. It gives the flexibility of being able to travel when you are tight. I can stress enough how it has helped me to travel to be with my family when money is short. Love it!!!!

Nana Nuck
Sep 4, 2025

I’m so thankful my daughter introduced me to this app! On larger orders it makes it easier to split payments when needed! Convenient I’m so thankful my daughter introduced me to this app! On larger orders it makes it easier to split payments when needed!

App Details

Developer

Afterpay

Platform

ios

Rating

4.9

Last Updated

9/6/2025