There are drawbacks in using "Afterpay" maybe you should read the review in the link below, what worries me is the interest charged on defaulted payments, the possibility of people spending beyond their means and the protracted dispute process.

The system may be good for you but it certainly wouldn't be good for everyone.

https://www.choice.com.au/shopping/online-shopping/buying-online/articles/what-is-afterpay-and-can-i...