Finder's 2025 Buy Now Pay Later Customer Satisfaction Awards asked thousands of Australians about the buy now pay later services they use to find which brands are the best. These are the results.
PayPal has been crowned Australia's most loved buy now pay later platform for 2025. It received a score of 4.222 out of 5 from more than 1000 customers.
PayPal has been crowned Australia's most loved buy now pay later platform for 2025. It received a score of 4.222 out of 5 from more than 1000 customers.
Loved Brand
StepPay, provided by CommBank, ever so slightly missed out on the top prize with a score of 4.216 out of 5.
StepPay, provided by CommBank, ever so slightly missed out on the top prize with a score of 4.216 out of 5.
Afterpay has fallen from the top spot but remains a loved buy now pay later provider with a score of 4.216 out of 5.
Afterpay has fallen from the top spot but remains a loved buy now pay later provider with a score of 4.216 out of 5.
CommBank's StepPay has been named Australia's most trusted buy now pay later platform. It received a score of 4.4 out of 5 from its customers.
CommBank's StepPay has been named Australia's most trusted buy now pay later platform. It received a score of 4.4 out of 5 from its customers.
Trusted Brand
PayPal has been given an impressive score of 4.2 out of 5 for its trustworthiness.
PayPal has been given an impressive score of 4.2 out of 5 for its trustworthiness.
Afterpay's customers have given the platform a trust score of 4.2 out of 5.
Afterpay's customers have given the platform a trust score of 4.2 out of 5.
CommBank's StepPay wins another top spot, this time named the provider with legendary customer service. It received a score of 4.2 out of 5 from its customers.
CommBank's StepPay wins another top spot, this time named the provider with legendary customer service. It received a score of 4.2 out of 5 from its customers.
Quality Service
PayPal's customers scored the platform's customer service 4.1 out of 5.
PayPal's customers scored the platform's customer service 4.1 out of 5.
Afterpay was given a score of 4.1 out of 5 for its quality of service.
Afterpay was given a score of 4.1 out of 5 for its quality of service.
PayPal is the most recommended buy now pay later platform for 2025. An incredible 89.83% of its customers said they would recommend to family or friends.
PayPal is the most recommended buy now pay later platform for 2025. An incredible 89.83% of its customers said they would recommend to family or friends.
Recommended Brand
StepPay by Commbank just missed out, with close to 89.8% of its customers also saying they would recommend the provider.
StepPay by Commbank just missed out, with close to 89.8% of its customers also saying they would recommend the provider.
89.8% of Afterpay's customers said they would recommend the provider.
89.8% of Afterpay's customers said they would recommend the provider.
Each year, thousands of Australians rate brands they've used as part of Finder's Customer Satisfaction Awards. Consumers assess brands within a product category across various metrics, including trust, customer service, value and overall satisfaction. Finder partnered with leading data and insights firm Dynata to survey customers and analyse their feedback.
Customers reviewed products they had purchased or used recently, with the recency period varying by category—from within the past year to up to five years.
Surveys continued until each category reached a minimum sample size of 500 to 5,000 responses, depending on the category. Respondents selected a brand from a pre-populated list or entered their own. Responses were recorded as they fell naturally.
We used the following metrics to assess brands and asked customers between 4-8 questions, including:
The final scores were determined exclusively based on the relevant metric. For example, the Most Trusted award was calculated based on responses to the question on how much people trust a brand, while the Most Loved award was based on responses to the question on how much people love a brand.
If a brand or product no longer exists in the market, they were disqualified and excluded from our assessment, meaning that they were ineligible for consideration for any Award (even though responses may have been collected in relation to the relevant brand's product(s) at such time that they were previously available). However, if only the brand's name changed and the products remained the same, the brand was still eligible for consideration for an Award and was assessed by us on the basis of the new brand name. Additionally, brands that did not meet the minimum per-brand sample size were excluded. The threshold ranged from 40 to 100 responses per brand, depending on the category, with most being 100.
The Finder Customer Satisfaction Awards is an independent awards program and commercial partnerships do not influence the results in any way.
Disclaimer: We tried to collect feedback and data from survey participants on as many products and providers in the market as possible. Although we were able to assess an extensive range of products and providers from the survey responses, we can't say that every provider and/or product currently available in the market was considered as part of our review and winner selection process. Some products and/or providers may have been omitted from survey responses and therefore not considered by us for any Customer Satisfaction Award. Survey customers received an incentive arranged by Dynata. Read our Advertiser Disclosure.
Piyush is an insights analyst at Finder and is responsible for developing the methodology for Finder's Product Awards. He holds an MBA from Macquarie University and a MSc in Banking and Finance from the University of London.
Richard Whitten is a money editor at Finder. He has been covering home loans, property and personal finance for the last 7 years.
Rebecca is a senior writer at Finder covering all things money. She has been writing about the home loan market in Australia for 5 years.
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