@nigelmolesworth wrote:

there are no drawbacks using AfterPay, unless you cannot divide the cost of the item by 4


or unless you use AfterPay for something and have cleverly divided by 4 (equalling the total you can spare) but then your battery dies and you have to either save up for a new one or use AfterPay again ... but then you can't pay them both off in time ... did you read the link provided by padi?