Does Afterpay send debt collectors if I don't pay?

The consequences of missing your Afterpay payments and what you can do about it

What happens if I miss a single Afterpay payment?

Missing a payment is relatively common with 1-in-5 Afterpay users having missed at least one payment and roughly 1-in-20 purchases not being paid on-time. If you miss a single Afterpay payment, then Afterpay:

What should I do if I'm going to miss an Afterpay payment?

If you can see that you're not going to have enough money for your next Afterpay payment, then you may want to:

Will missing an Afterpay payment affect my credit score?

No, Afterpay indicate that they do not perform credit checks, or report late payments.

Does Afterpay send debt collectors if I don't pay?

Yes, Afterpay may involve debt collectors if you don’t make your payments.

If you continue to not pay, the typical escalation process involves Afterpay:

  1. preventing you from making further purchases; then
  2. charging late fees; then
  3. negotiating a payment plan or hardship support (if requested); then
  4. referring your debt to a third-party debt collector

I have a debt collector after me, what can I do?

If your debt has already been passed to a third-party debt collector, then you should immediately check out Moneysmart's guide to dealing with debt collectors, so you know your rights, what you can do, and where you can get free help. It's not OK for a debt collector to harass or bully you.

How can I stop relying on Afterpay to get by?

If you're keen to stop relying on Afterpay to get you through to your next pay day, then financial coaching may be for you.

Book a 15-minute call now to see how financial coaching can help you manage your money with confidence and smash your goals.

If you have any immediate questions, or need help with scheduling, please call us on 0422 025 499 or email us at info@affordahouse.com.au.