Shyneka Long: Australian woman reveals the eye-watering amount she spent using Afterpay in two years
An Australian has urged other young shoppers to delete 'buy now, pay later' app Afterpay after discovering the eye-watering amount she had spent in just two years.
In a since deleted TikTok, Shyneka Long admitted that her Afterpay usage had spiralled out of control before warning people to check what they were spending on the platform.
'This is literally your sign to either delete Afterpay or go and look at your bank statements and see how much money you've spent on Afterpay in the last two years,' the 21-year-old said.
'I could've bought a car. I'm really about to expose myself but in the last two years I have spent $19,000 on Afterpay, what the f**k.
'I could have had a f**king car. Is there like, addiction anonymous for Afterpay? Because where do I sign my whole f**king family up? This is bad. This is so bad.'
Afterpay is a buy now, pay later service that enables shoppers to pay for purchases in four interest-free installments over six weeks.
Other popular BNPL services include Klarna and Zip Pay — BNPL apps are the third most popular credit product behind credit cards and home loans.
However, Ms Long wasn't the only one with an embarrassing Afterpay confession — dozens of other TikTok users flooded the comments section admitting to their outrageous spending habits.
'Babe I'm going to hold your hand when I tell you mine since 2023 is $62,815,' one commenter said.
'I think I might take the cake — $122,502,' another declared.
'$29,909 for me, why did you make me go look?!' a third person wrote.
Others offered advice, with one user saying that she even set rules for using the app.
'I have a rule for Afterpay: only one at a time, and always wait a month before buying something new/starting a new one.'
As of Tuesday, new regulations came into effect for BNPL providers to stop consumers being affected by potentially harmful credit contracts.
It means BNPL products are now regulated in the same way as credit cards.
The providers will be required to hold an Australian credit licence and, under ASIC, they may be required to complete mandatory checks and inquiries about a consumer's financial situation, including in relation to their income and expenditure, to prevent financial strain.
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