What happens if I can’t pay my Afterpay?

But missing payments isn’t good for anyone, so if you do miss a payment, we will immediately pause your account and you won’t be able to buy anything else with us until your payments are up to date.

Does Afterpay affect your credit score?

This soft inquiry does not affect your credit score and will not show on your credit report. … Afterpay does not check a customer’s credit to open an account or at the time of purchase. If you are late with a payment, Afterpay also does not report late or missed payments to the credit bureaus.

Can Afterpay send you to collections?

According to Molnar, while Afterpay doesn’t report to credit agencies directly in the event of late payments, some defaulted accounts have been sent to third-party collection agencies.