I would not do business with them again, they owe me money and communication! They are 0-3

Scam. Tell you that you can earn rewards and a higher limit with "on time" payments but then won't let you use them OR your credit limit. You can only use a small portion of your limit. No customer service number that works. Customer service does NOT respond in 24-48 hrs. I am still waiting after 1 week. I'm on day 9, still NO HELP

Legit. But scammy in their own ways. You are better off not going near afterpay

It's a legit company but they have very underhanded practices

Legit, but no customer service number. Can not get refunds.

As far as I'm concerned they were scam. If they get a hold of your account you will have absolutely no control and no service

They may be a legit company in Australia, but I feel that their business practices are bordering on criminal in the US. I do not recommend.

They are a SCAM! If you don't plan on returning anything then you'll be ok. Of you return any item they will find a way to keep your money and make you at fault for trusting them!