Afterpay offers a convenient option for shoppers to make purchases in stores and pay over time without interest, but it’s essential to understand the terms and conditions before using the service. As with any financial decision, it’s advisable to consider your financial situation and budget before using Afterpay or any other buy now, pay later service. Let’s take a look at a list of online and in-person stores that use afterpay, such as jewelry, furniture, electronics, and clothing stores.
What is Afterpay?
Afterpay is a “buy now, pay later” service that allows shoppers to make purchases and pay for them over time in installments. There are thousands of retailers offering it all over the world, both online and in physical stores. It is a popular buy now, pay later (BNPL) service that allows customers to split their payments into four installments without incurring interest or fees, except for late fees.
How Does Afterpay Work?
The breakdown of how Afterpay works is as follows:
#1. Eligibility
Afterpay does not perform credit checks when you apply for financing, so it does not impact your credit score. However, Afterpay uses flexible spending limits tailored to each customer and each purchase.
#2. Making a Purchase
You can choose Afterpay as your payment method at checkout when shopping online. After creating an Afterpay account, you can make your first payment and complete the checkout process. The retailer will ship the items you ordered to you. In physical stores, you need to download the Afterpay app, create an account, and create a digital Afterpay card to add to Apple Pay or Google Pay. You can then use the mobile wallet app to purchase
#3. Payment Schedule
Afterpay splits your payments into four equal installments. You make an initial down payment at the time of purchase, and the remaining three payments are automatically withdrawn every two weeks from the debit or credit card linked to your Afterpay account. The payment schedule is six weeks in total.
#4. Late Fees
Afterpay does not charge interest on purchases but can impose late fees if you don’t make your payments on time. The late fee for U.S. shoppers is capped at 25% of the order amount. It’s important to note that late payments are not reported to credit bureaus.
#5. Returns
If you need to return something purchased using Afterpay, contact the merchant to find out their return and refund policy. If the merchant issues a full refund, Afterpay will cancel any remaining payments and refund any payments you’ve already made. In the case of partial refunds, Afterpay will adjust your remaining payments accordingly.
#6. Payment Options
You can pay Afterpay using a debit or credit card, either manually through the Afterpay app or by setting up automatic payments. Afterpay does not charge prepayment penalties or fees if you want to pay off your loan early.
Afterpay can make it easier to buy online and provide flexibility in payments, but it is still a form of credit. Understanding how it can impact your financial situation and credit health is crucial. While Afterpay does not perform credit checks, responsible service use can help build a positive credit history. On the other hand, late payments can result in restrictions on future purchases and decreased spending limits.
Requirements for Using Afterpay?
To be eligible to use Afterpay in the U.S., you must meet the following requirements:
- Live in the U.S., excluding U.S territories
- Be at least 18 years of age
- Be the authorized holder of a debit card, credit card, or checking account (savings accounts are not eligible)
- Have a valid mobile phone number and email address
- Have a valid mailing address
- Commit to paying 25% of the total purchase upfront
- Commit to paying the remaining amount within four installments every two weeks after the purchase
Why You Should Consider Using Afterpay
- Afterpay does not charge any interest on purchases.
- Afterpay is a simple and convenient payment method for online and in-store shopping.
- It does not perform credit checks, so it won’t impact your credit score.
- It also allows you to split your payments into four installments, making it easier to manage your budget.
Drawbacks of Using Afterpay
- Afterpay may charge a fee if you wait to pay on time. Late fees for U.S. shoppers are capped at 25% of the order amount.
- Afterpay can make overspending easy if you need to be more careful. It’s important to have a set budget and shop responsibly.
- It is meant for online and in-store shopping only and cannot usually be used to pay bills.
Where is Afterpay Accepted?
Afterpay continually expands its list of participating stores, so check its website for up-to-date information on where Afterpay is accepted. While Afterpay is primarily used for online shopping, it offers in-store payment options in certain locations. Additionally, Afterpay integrates with various eCommerce platforms like Shopify, Squarespace, and WooCommerce, making it easy for businesses to offer Afterpay as a payment option on their websites.
Stores That Use Afterpay
Various stores use Afterpay, and they are in different categories, ranging from electronics, furniture, jewelry, clothing, and others. It is best to search on the Afterpay website to find a list of stores that use Afterpay.
Online Stores That Use Afterpay
There are several categories of online stores that use Afterpay, such as clothing, furniture, and electronics categories. However, many stores do not accept Afterpay, and the list of stores that do usually varies depending on the country. The list of online stores that use Afterpay is regularly updated to include new stores; hence, visit the official Afterpay website to see the full list of stores that accept Afterpay.
Top online stores that use Afterpay include:
- Gap
- AMC Theaters
- Sephora
- Levi’s
- PUMA
- Bed Bath & Beyond
- J.Crew
When using Afterpay, you can shop online at participating stores and choose Afterpay as your payment method during checkout. You must provide your payment information and agree to pay 25% of the total purchase upfront. The remaining balance will be divided into three additional installments, which you must pay every two weeks.
Furniture Stores That Use Afterpay
Afterpay services are particularly useful for buying big-ticket items like furniture in stores, as they allow you to get your furniture now and pay off the purchase price over time.
List of the top furniture stores that offer Afterpay:
- Fantastic Furniture: Fantastic Furniture is among the stores that offer a wide range of furniture and accepts Afterpay as a payment option. However, it is limited to Australia.
- Factory buys: factory buys offer various products, including furniture, at discounted prices. They accept Afterpay and offer up to 70% off on all products.
- Zanui: Zanui is an online retailer that offers Afterpay as a payment option. They have a range of furniture and homewares available.
- Payday deals: Payday deals offer discounted furniture online and accept Afterpay. They have a wide selection of styles and offer Australia-wide delivery.
- HR Sports: HR Sports is an online furniture store that offers Afterpay. They offer a range of furniture, including sofas and outdoor furniture, at low prices.
- World Market: World Market is a San Francisco-based website specializing in unique artisan goods and handicraft furniture and offers free curbside pick-up. However, it is limited to the United States.
- Bed Bath and Beyond: Bed Bath and Beyond offers a variety of products, including mattresses and bed frames, and accepts Afterpay as a payment option.
- Anthropologie: Anthropologie is a home decor brand that sells stylish beds and bed frames. They accept Afterpay as a payment option and offer customization options for their bed frames. However, they have a longer production time for custom-made beds, and shipping costs apply.
For more online and in-person furniture stores, check Furniture Stores on Afterpay.
Jewelery Stores That Use Afterpay
- REEDS Jewelers
- Navahsi Jewelry
- James Michelle Jewelry
- Eyebuydirect
- Miranda Frye
- Adornmonde
- Nordstrom Rack
- Francesca’s
- HauteFlair
- Swarovski
- Lingua Nigra
- FARFETCH
- Boohoo
- Madewell
- Jeulia
- Mermaid Metal
- Missguided
- MESHKI
- Manduka
- Free People
For more list of online and in-person jewelry stores that use Afterpay, click here.
List of Top Clothing Stores That Use Afterpay
Want to shop for clothing but have limited funds? Find amazing clothing stores that use afterpay and make purchases! Top online and in-person clothing stores that use afterpay include:
- HOKA ONE ONE
- Ardene
- American Eagle
- SHEIN
- Revival Apparel
- Bella & Coop
- Hilary MacMillan
- Nixon
- Muttonhead
- Princess Polly
- Roots
- Bench
- Yoins
- OAK + FORT
- Boathouse
- Gymshark
- Province of Canada
- Arraei Collective
- Rains
- Newchic
- Ugg
- Livestock
- Miss Lola
- Native Shoes
- Aritzia
For more online and in-person clothing stores that use Afterpay, click here
25 Top Electronics Stores That Use Afterpay
- Dyson
- Nespresso
- Kogan.com
- MyDeal.com.au
- Godfreys
- The Good Guys
- Bing Lee
- Shaver Shop
- JB Hi-Fi
- Catch
- BIG W
- Oz Mobiles
- Officeworks
- Kmart
- Mighty Ape
- Peters of Kensington
- Go Blender
- Bunnings Warehouse
- Harris Scarfe
- Dick Smith
- Target
- Ozsale
- eBay
- Kleva Range
- Robins Kitchen
Click here for more online and in-person stores that use afterpay
Can I Use Afterpay at Walmart?
Walmart does not currently accept Afterpay as a payment method, both in-store and online. However, Walmart does accept other “Buy Now, Pay Later” services such as Klarna, Affirm, Quadpay, and PayPal Pay in 4. However, the availability of these services may vary depending on your location and the specific terms and conditions set by Walmart. Therefore, checking with Walmart directly or on their website is a good idea to see which payment options are currently accepted.
Can I Use Afterpay on Amazon?
Amazon does not directly accept Afterpay as a payment option. However, a few workarounds allow you to use Afterpay on Amazon. The workaround involves using a one-time use credit card that Afterpay offers, like a regular debit or credit card. Amazon recognizes this card and accepts it as a payment method.
To use this option, log into your Afterpay account and choose the one-time-use credit card option. Then, enter the Afterpay credit card information into the payment field during Amazon checkout. This will allow you to split up your payments and use Afterpay for your purchase. However, this card will not work if you attempt to use it again.
Another workaround is to purchase Amazon gift cards from retailers that accept Afterpay. You can then use these gift cards to make your Amazon purchases.
Since Afterpay is not officially supported on Amazon, these workarounds may have limitations or potential issues. Therefore, review Afterpay’s terms and conditions, including any fees or charges, before using their services.
Can You Use Afterpay at Target?
You can use Afterpay at Target in the US, but only for online transactions. There are steps to follow to use Afterpay at Target. They include:
- Create an Afterpay account or log in if you already have one.
- Shop on Target.com or within the Target mobile app.
- Add the items you want to purchase to your shopping cart.
- At checkout, choose Afterpay as your preferred payment method.
- If it’s your first order with Afterpay, you may need to create an account and set a password.
- Complete the transaction by following the prompts and entering your Afterpay information.
There are some limitations when using Afterpay at Target. They include:
- The minimum purchase amount for Afterpay at Target is $1.
- The maximum spend per transaction is $1000.
- Afterpay cannot be used for certain items, which will be specified at checkout.
- It is not available for in-store purchases at Target in the US.
Can I Use Afterpay Apple Pay Anywhere?
Yes, you can use Afterpay with Apple Pay in certain stores. Afterpay has introduced an Afterpay Card feature that allows users to make in-store purchases using Apple Pay, Google Pay, or Samsung Pay. To use an Afterpay Card with Apple Pay, you need to download the Afterpay mobile app and set up the Afterpay Card. Once set up, you can add an Afterpay card to your digital wallet and use it to tap and pay at participating stores.
Afterpay with Apple Pay offers a convenient and secure way to manage your payments. However, Afterpay’s availability with Apple Pay may vary depending on the store. Some stores may not accept Afterpay as a payment method, even if they accept Apple Pay. It’s recommended to check the Afterpay app for a list of stores that accept Afterpay before making a purchase.
Can I Get Cash From Afterpay?
Afterpay does not provide a direct option for getting cash from the service. It allows you to shop at participating retailers and pay for your purchases in installments. You pay the first quarter of the purchase price at checkout, and the remaining quarters are paid back every two weeks. Late fees will be charged for missed repayments. The service is primarily designed for making purchases.
Can I Use Afterpay to Pay Bills?
Afterpay is primarily designed for online and in-store purchases and is not typically used for paying bills. If you’re looking for a service specifically designed for paying bills, exploring other options, such as online banking platforms, bill payment services, or direct debit arrangements with your service providers, would be best. These options are better suited for managing and paying bills regularly.
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