Afterpay has proven to be one of the best payment methods that anyone looking to make flexible installment payments while on a budget would like to use.
After all, who in the Gen Z population wouldn't like to split the cost of every purchase into a set of installments—well, over five million Afterpay users in the US wouldn't say otherwise.
For sure, Afterpay owes its fast growth to its merchant partners, which helped it excel just two years after launch in the US, and if you're looking to checkout with Afterpay at these merchants, I've compiled a list of the stores that accept Afterpay, together with the steps to use the leading BNPL service for payments.
What is Afterpay and How Does it Work?
Afterpay is a Buy Now Pay Later (BNPL) service that lets you split the cost of your purchase into four equal interest-free installments that will be repaid on a bi-weekly schedule. That is a total of six weeks.
If you've ever used a BNPL service before, like Klarna, Affirm, or PayPal Pay in 4 for making online payments, you should already have an idea of how Afterpay works.
However, if you are still new to this, let me take a good example that will give you a complete understanding of how BNPL services like Afterpay work.
Let's say you need to get this very new FC Barcelona x Travis Scott Limited Edition Match Home Jersey that sells at $740 on StockX, which is one of the stores that accept Afterpay. If you are shopping on a budget, this should be way too high for you to make a one-time payment, even if you are a Barcelona fan.
The advantage of using Afterpay at the checkout here is that it can help you split the cost of this purchase into four interest-free installments, which should be $180 that should be repaid every two weeks after the last payment (with a down payment made at the moment of the purchase, of course).
That's great, right?
You should know that having experience with credit cards doesn't mean you have a full understanding of BNPL service, because, unlike these traditional bank cards, services like Afterpay don't charge interest for your repayments (unless you're late) or any other fee that's involved with the usage of their services.
What Stores Accept Afterpay?
Afterpay is currently offered by more than 15,000+ merchants and is looking forward to partnering with new merchants, as the e-commerce payment service confirms.
They've partnered with merchants in different industries or categories, including grocery, beauty, clothing and shoes, electronics, home goods and furniture, travel, and many more.
For your convenience, I've provided an overall list of Afterpay's partner retailers, and then grouped a good number of them into their different categories so you'll know best how to pick your different options.
That said, here's a full list of stores that accept Afterpay:
- 1-800 CONTACTS
- 1800flowers
- 7 For All Mankind
- Abi Lashes
- adidas
- Aerie
- Aerosoles
- AK Studio
- Aldo
- Alfa Western Wear
- Allbirds
- Alo Yoga
- Alpha Lion
- Alternative Airlines
- Amaroso
- Amazon
- American Eagle
- amika
- Anastasia Beverly Hills
- Angel Curves
- ANKA Jewelry Designs
- Anthropologie
- Apple
- Archer + Jane
- Ardene
- Aritzia
- Ashley Carson
- Ashley Stewart
- Asoph
- ASOS
- Aster & Gray
- Athletic Propulsion Labs
- Aveda
- Avenue
- Babyboo Fashion
- Ballsy
- BANDIER
- ban.do
- BANDOLIER
- bbqLAND
- BCBG
- Bed Bath & Beyond
- Belk
- Bella All Natural
- Be Skinny Tea
- BH Cosmetics
- BHLDN
- Billabong
- Biossance
- Birkenstock
- Birthdate Candles
- Bite Beauty
- BlackMilk
- Blenders Eyewear
- Bloomingdale's
- Body Complete Rx
- Body Shape
- Bombas
- Bombshell Sportswear
- Boohoo
- Boom Shroomz
- BowlersMart
- Briogeo Hair
- Brixton
- Bromelia Swimwear
- Bryan Anthony's
- Buckle
- Buck Mason
- Carhartt
- Carter's
- Casa Raul Western Wear
- Casely
- Cettire
- Chandler Swain
- Chef It Up Toms River
- Cherry Collectables
- Chewy
- Chico’s
- Chic Soul
- Chinese Laundry
- Civant
- Clinique
- CLOUD NINE
- Coach
- Coach Outlet
- Coco & Eve
- CoEdition
- ColourPop
- Consuela
- Converse
- Cos Bar
- Cosmetic Capital
- Cotton On
- Cotton On Body
- Cotton On Kids
- Creative Ectothermic Solutions
- Credo Beauty
- Crocs
- Crunch Cake Shop
- Culture Kings
- Curvy Sense
- Dermalogica
- Devers Elementary PTO
- Dg reserve
- Dick's Sporting Goods
- DIFF Eyewear
- Dillard's
- Diva Boutique
- Dolce Vita
- Dolls Kill
- Drenched Skin
- Dressed in LALA
- DSW
- DTLR
- eBay
- Eezie's Daylily Farm
- e.l.f.
- Erin Condren
- Essential Modern
- Estee Lauder
- Everyday Yoga
- Expedia
- Eyebuydirect
- Fabletics
- Fanatics
- FARFETCH
- Fashion Nova
- Fashion to Figure
- Feature
- Fenty Beauty
- Finish Line
- FIT HOMEGIRLS
- Flight Club
- FragranceNet.com
- FragranceX
- Francesca's
- Freebird Stores
- Free People
- Fresh
- Fresh Beauty Co.
- Frye
- Funko
- Gameology
- GameStop
- Gap
- Gap Factory
- Gilt
- Giti
- Glitzy Girlz Boutique
- Glow Holistic Beauty
- Glow Recipe
- GOAT
- Gwillikers Aero Accessories
- Gymboree
- Gymshark
- Hammitt
- Harvest Thyme Farm & Vineyards
- HEAD KANDY
- Hello Molly
- Hey Girl Hey Game
- HiSmile
- H&M
- Hobo Bags
- HOKA ONE ONE
- Honey Birdette
- Horns and Scales Outfitters
- Hourglass Cosmetics
- Houzz
- Huckberry
- Huddle Sport Shack
- I.AM.GIA
- IceLink
- Ice Trends
- iHeartRaves
- Inspiranza Designs
- Itzy Ritzy
- Ivory Ella
- Jamie Kay
- JCPenney
- J.Crew
- J.Crew Factory
- JD Sports
- Jeffrey Campbell
- Jimmy Choo
- john elliott
- John Ira Beauty
- Jo Malone London
- Just Sunnies
- Juvia's Place
- Kappa USA
- Kendra Scott
- Kiara Sky Professional Nails
- Kiehl's
- KILLSTAR
- Kivari
- Kohl's
- Kosmios
- Ksubi
- Kylie Cosmetics
- Kyte BABY
- L'ange Hair
- La Salle Academy
- Lashbox LA
- Lashify
- Laura's Boutique
- Leaf enLight
- Le Creuset
- Le Labo
- Lemon Poppy Kitchen
- LensCrafters
- Levi's
- Lids
- Lilly Lashes
- Lilly Pulitzer
- Lilly's Kloset
- Lime Crime
- Lorac
- Lowe's
- Lucky 5
- Lucky Brand
- lululemon
- Luvme Hair
- Luxe Purses
- MAC Cosmetics
- Madewell
- Madrag
- Magik Goddess
- Magnolia Boutique
- Mama Bear's 4 Seasons Crafts & More
- Marcia's Looks
- Marc Jacobs
- Marc Nolan
- Maurie and Eve
- Michael Kors
- MICHELLE ALIX COLLECTION
- Miss Lola
- Miss Me
- Moon Juice
- MORPHE
- Move With Us
- MoxieLash
- MPOWERD
- Murad
- Musplet
- Naked Wardrobe
- NAPA Auto Parts
- Nars
- Nasty Gal
- Natural Life
- New Balance
- New Town HQ
- NFG Clothing Line
- Nike
- Nixon
- Nordstrom
- Nordstrom Rack
- NuFace
- OAK + FORT
- Oakley
- OffBeat
- Oh Polly
- Old Navy
- OLE HENRIKSEN
- OluKai
- Origins
- ORO Los Angeles
- Outdoor Voices
- oVertone
- Oxford
- Pacsun
- PAIGE
- Painted Stave Distilling
- Pandora
- Parachute Home
- Pendleton
- Peppermayo
- Perfectly Priscilla
- Perfume.com
- Perricone MD
- PetSmart
- Pink Lily
- Playtime Edventures
- PMD Beauty
- Polkadot Cake Shop
- Posh By V
- Posh Peanut
- Pretty Bee Creations
- PrettyLittleThing
- Princess Polly
- Pro-Stitch Prints
- Puma
- Pupford
- Pura Vida
- Quay Australia
- Rad Lad Games
- RAGS
- Ralph Lauren
- Ray-Ban
- Rebdolls
- Rebecca Minkoff
- RE/DONE
- REEDS Jewelers
- Reformation
- Remi
- RevAir
- Revel Nail
- Revival Vintage
- Revolve
- Robert Wayne
- Rothy's
- Rubi
- Rue Lala
- Ruggable
- RVCA
- Ryderwear
- Sakara
- Saks Fifth Avenue
- SamanthaLynn
- Sam's Club
- Sand & Sky
- Sanity
- Sassy Jones
- Schutz
- Scooter Hut
- Scratch Bakes
- Sephora
- Sheila's Shop
- SHEIN
- Shimrock Design
- Shiseido
- Shoe Palace
- Shoes For Crews
- ShopBobbys
- Show me your mumu
- Showpo
- Showpo Bridal
- Sigma Beauty
- Skechers
- SKIMS
- Skip's Western Outfitters
- Snow Teeth Whitening
- Sohnne
- Soma
- Spa Siobhan
- SP BOUTIQUE
- SpearmintLove
- SSense
- Stan's Fit For Your Feet
- Steve Madden
- Strawberry Avocados
- Stubbs and Wootton
- Style Overdosed
- Sucre Aesthetics
- SugarBearHair
- Sunglass Hut
- SwimOutlet.com
- SWISSGEAR
- T1 Tact Watch
- Taft
- Talnua Distillery
- Target
- Tarte
- Taylor Stitch
- Teami
- T.E.A.M. Primary Plus- Amber Drive Elementary
- Technisport USA
- TERRAIN
- That's So Fetch
- The Baby Cubby
- The Boho Teepee
- The Children's Place
- The Container Store
- The Healthy Mummy
- The Home Depot
- The Mint Julep
- The Modern Host
- The Old Chatham Hunt Club Events
- The RealReal
- The Wyoming Rose
- THINX
- THINX (BTWN)
- ThirdLove
- Three Bird Nest
- Tillys
- Tory Burch
- TriCore Sports
- True Religion
- Tuckernuck
- Tula Skincare
- Typo
- UGG
- Ulta Beauty
- Under Armour
- Urban Outfitters
- Urban Skin Rx
- Vanity Planet
- Venus et Fleur
- Venus Love Dolls
- Vera Bradley
- Vivid Seats
- Vixen by Micheline Pitt
- Volcom
- Vuori
- Walmart
- Wayfair
- Well People
- West Michigan Club House
- White House Black Market
- Women's Best
- YNK Uniform Store
- Zala Hair
I think it's good you know that this list is according to what Afterpay features as partner retailers, just so you can be confident when shopping at any of these stores, whether it is online or in-store.
Grocery Stores That Accept Afterpay
Who wouldn't like to shop now and pay later for groceries? While Afterpay isn't popular among grocery outlets, there are a few grocery stores that accept Afterpay, including:
- My Fabulous Foods
- Total Fine Food Outlet Stores,
- Willa's Kitchen
- Alkaline Gourmet
- Sam's Food Stores
Shoes and Shoe Stores That Take Afterpay
If there's one popular category of brands that have partnered with Afterpay is without doubt clothing and shoe brands, and here's a list of all these clothing and shoe retailers that accept Afterpay:
- Crocs
- Dillard's
- Tory Burch
- StockX
- Allbirds
- Teva
- Sanuk
- Rothy's
- Bombas
- Wolverine
- Koolaburra By Ugg
- TOMS
- Stan's Fit For Your Feet
- Avenue
- Kenneth Cole
- SHEIN
- DC Shoes
- Frye
- KicksXclusive
- Freebird Stores
- Nasty Gal
- Stacy Adams
- Merrell
- Betsey Johnson
- Southern Charm Clothing
- Rue Lala
- END.
- Fashion to Figure
- Boohoo
- Sugar Creek Clothing
- Capelli's Studio Spa
- Shoe Snobb
- Chinese Laundry
- Jeffrey Campbell
- Skip's Western Outfitters
- Florsheim Shoes
- Stride Rite
- Charlotte Russe
- ORO Los Angeles
- Minnetonka
- Superga
- Miss Lola
- Greats
- CCO Menswear
- Casa Raul Western Wear
- amor little girls
- Bota Exotica
- Shoe Fly
- Shoetopia
- Von D Shoes
- Coclico
- Aerosoles
- Freda Salvador
- Katy Perry Collections
- Intentionally Blank
- Matisse Footwear
- J/SLIDES
- Mavette
- Up to 70% off
- Tommy Hilfiger
- Gift with Purchase
- The Difference
- $25 off
- Magnolia Boutique
- 30% off
- Skechers
- Up There
- BHAVA
- Lavish Life Sneakers
- The Boot Jack Western Wear
- GOAT
- Culture Kings
- MD Sneaks
- Marc Nolan
- Macanoco and Co.
- THE SUPER MOOKIN FIENDS
- Aetrex
- basic.
- White Fox Boutique
- Lulus
- Black Shag Vintage
- TNT Unique Designs
- Bold Groovy
- Palladium
- Coach
- Virtue Bowling Supply
- Dr. Martens
- Colombiana Boutique
- Ego Shoes
- Nordstrom Rack
- Bernardo 1946
- SHOWROOM
- Nunn Bush
- Hytest
- LOU.EARL
- Sperry
- Krush
- Banana Republic
- Shoolu
- JD Sports
- Meermin Shoes
- LF Stores
- Peach State Golf
- Bubble Belly
- The Mint Julep
- Robert Wayne
- Careless Heart
- Puma
- LAMO Sheepskin
- FWRD
- Aldo
- Ugg Express
- Shoetastik
- Cleens
- Skate Ratz
- The RealReal
- Flaunt your curves boutique
- Comfort One Shoes
- Earth Shoes
- Espiritu
- Journeys
- Feature
- Perfectly Priscilla
- Alfa Western Wear
- SelectFlex Adjustable Insoles
- The Container
- SABO
- Glitzy Girlz Boutique
- ShopShops
- Nordstrom
- KILLSTAR
- Dead Rockers
- Urban Outfitters
- Gavel Boots
- BuyWake.com
- Horace Graham
- SNKR STUDIO
- Dapperfam
- Charming Charlie
- Chic Soul
- KCLOT
- Buffalo Dallas Merchandise A...
- Body Glove
- Shoe Sensation
- saturdaysnyc.com
- Leon Western Wear
- Israella
- Steelo And Vogue
- L.A. Flava
- Artemis Design Co.
- SneakGallery
- Canyon City Customs
- DNA Footwear On Smith
- Volcom
- PGA TOUR Superstore
- Flashybox
- ShoeStores.com
- New Laces
- Yellow Box
- Little Miss Muffin Children an...
- Very Ashley
- BANDIER
- Atoms
- mindymaesmarket.com
- Pelle Moda
- Southern Alternative
- Vintage Havana
- Girly Guy Custom Designs
- All Sole
- Mango
- Vera Bradley
- DREAM PAIRS
- Chimzi Fashion
- Simon Miller USA
- Sam I Am Boutique
- Fuchsia
- The Athlete's Foot
- Thousand Fell
- Cariuma
- Low Heel No Heel
- Cole's General
- Mountain Khakis
- Deer Stags
- Chacos
- Wild West Boots
- Silver Star Boutique
- DNA Footwear
- Pacsun
- Foreverfly Skate
- Jimmy Choo
- Livie Luca
- Ariat
- Tenni-Moc's Shoe
- Pashion Footwear
- Tecovas
- Adelante Shoe Co.
- Levelupkickz
- Shy Figaro
- Shanequa’s Beauty Bar
- YORK Athletics
- Gold And Beyond
- Flojos
- The Block Skate Supply
- Lyfestyle Clothing
- Cettire
- Souk Bohemian
- New Balance
- Potomac River Running
- Amendolaro
- 12th Tribe
- Hari Mari
- The Room
- OAK + FORT
- Closet Cash
- Koio
- Fini
- Warstic
- K-Swiss
- Cult of Coquette
- ASOS
- Everlane
- Zeti
- Princess Polly
- THANK YOU FOR SHOPPING
- The Valley SF
- Vince
- DXL Big and Tall
- Anthropologie
- Athletic Propulsion Labs
- Calvin Klein
- Nickel Brick Trading Co.
- Li'l Baby Sprouts
- Dansko
- Zappos
- Yosi Samra
- Lucky Feet Shoes
- Native Shoes
- STRADA
- Atlanta Shoe Studio
- Kickclusive
- Loeffler Randall
- Skate Warehouse
- C&E Shoes
- Empire urban wear
- New York Company
- Vessi
- Overlook Boots
- JLUXLABEL
- John Fluevog
- Tony Bianco
- Auralie
- Saucony
- Maurices
- Free People
- Kappa USA
- CWesternWear
- Veyron Calanari
- Taft
- Gameday Couture
- Mens Palace
- Pursue Eden
- Patricia Nash
- HOKA ONE ONE
- Rodeo Western
- Raum Goods
- The Fashionable You Boutique
- Unique Vintage
- FARFETCH
- almacoral
- Sparkle In Pink
- Ultra Seller Shoes
- TG Sneaks
- SOUTHSIDE SKATEPARK
- BHLDN
- Silver Sage Lifestyle
- Shop One Country
- My Cozy Boots
- Running Warehouse
- Starr Western Wear
- Cupshe
- Creations by FC
- La Moda Italiana
- Spring Step Shoes
- Maroon Co
- Samuel Hubbard
- Etnies
- Melissa
- Dolce Vita
- Centerd Boutique
- LIVE CLOTHING
- Ginny Marie's
- BRAND BLACK
- The Style Notice
- Kate Spade
- Chisos
- Running Room
- Sincerely Grace
- Blue Eyed Girl
- Madewell
- CAT
- Therafit Shoe
- ASICS Corporation
- Keds
- Birkenstock
- 2ndRoundEquestrian
- Sycamore Style
- Banana Republic Factory
- Nicole Miller
- Mintha's Shoe. Boutique
- The Saucy Vault
- NONA LOUISE
- Marc Defang New York
- BCBG
- Ally Shoes
- Wish.com
- Bullseye Sneaker Boutique
- HEYDUDE
- Sol Sana
- Brand X Huaraches
- TRONUS
- Finish Line
- Old Gringo Boot
- PrettyLittleThing
- Madrag
- Diva Boutique
- Karen Beverly
- Western Chief
- The Pink Cactus
- Petal Pup
- Sarahi shoes
- MacKenzie Childs
- Righteous Kicks
- Roxy
- Bottomless Co.
- CLAE
- Missacc
- KICKS CREW
- HYLETE
- ShopCuffs
- Shu Deal
- Endless
- 8000Kicks
- Kizik
- Perfect Fit Shoes
- Otter and Oak
- DTLR
- Charmed Bitz
- Sheila's Shop
- Andre Assous
- Charlotte Stone
- Tier Zero
- Fontenelle Supply Co.
- Gigi's Glam Shoetique
- Steve Madden
- Lilly's Kloset
- Coach Outlet
- Revolve
- BCBGeneration
- Flight Club
- US - Flow.io
- Underground
- AllSaints
- Thirty Two
- Pandora Dai
- Glam Stores
- Rainbow Shops
- Stubbs and Wootton
- Shoes For Crews
- Shoe Palace
- Charles Keith
- Johnson Livings
- Tillys
- Third Mind
- Snipes USA
- Ambush Skateboarding
- Artesanias Liliana
- 2020AVE
- Boots Etc
- adidas
- Mariel Kim
- DSW
- UGG
- Terra Cotta
- JustFab
Beauty Stores That Take Afterpay
Another popular category of retailers that have partnered with Afterpay is beauty stores. These are stores that sell anything skin care, including lip gloss, perfumes, and even facial retouching products that mainly target female shoppers.
These stores include:
- Sephora
- Honey Birdette
- iHerb
- Dillard's
- Kiehl's
- Unice
- IT Cosmetics
- Lancome
- e.l.f.
- SK II
- T3
- Estee Lauder
- Clinique
- Too Faced
- MAC Cosmetics
- Urban Decay
- Tatcha
- Keys Soulcare
- Bobbi Brown
- Well People
- Origins
- KVD Beauty
- Kylie Cosmetics
- Bellami US
- HiSmile
- Philosophy
- Biossance
- Nars
- Luxy Hair US
- Smashbox
- REN Clean Skincare
- MORPHE
- Mugler
- Goop
- Gift with purchase
- Skinceuticals
- Nadula
- Klaiyi Hair
- Julia Hair
- Sunber Hair
- Lab Series
- Beautyforever
- Youth to the People
- ESPA
- Christophe Robin
- Grow Gorgeous
- Caudalie
- Perricone MD
- Lime Crime
- Jo Malone London
- Mio Skincare
- Obagi Cosmeceuticals
- Vichy
- Elizabeth Arden
- Urban Skin Rx
- Moon Juice
- Filorga
- Versed
- Shiseido
- Grande Cosmetics
- La Roche-Posay
- Lancer Skincare
- Sol de Janeiro
- Sunday Riley
- Skinstore
- Beach Waver
- YSL Beauty
- Good Molecules
- Frankie Rose Cosmetics
- Glossier
- Sulwhasoo
- Hair.com
- Charlotte Tilbury
- Fresh
- Dermalogica
- Tula Skincare
- LANEIGE
- First Aid Beauty
- Dime Beauty Company
- Beyond Polish
- Sigma Beauty
- Loving Tan
- Milk Makeup
- Kerastase
- Farsali
- Elevation Hair Growth
- Zala Hair
- Rite Aid
- Derma MD Skincare
- IGK Hair
- Bumble and Bumble.
- Milani Cosmetics
- Beautylish
- Kilian
- Juvia's Place
- Clarins
- GLAMGLOW
- Sol Dips
- Revolution Beauty
- Saie Beauty
- NuFace
- La Mer
- Pattern Beauty
- Rael
- BYMCF.com
- Beekman 1802
- LuckyScent
- Vibrosculpt
- Murad
- Mint Teeth Whitening
- Kooding
- SLMD Skincare
- Kiara Sky Professional Nails
- Pink Lily
- Pacifica Beauty
- Hourglass Cosmetics
- Revel Nail
- Bite Beauty
- Gift with purchase
- Cle de Peau Beaute
Electronic Stores That Take Afterpay
Afterpay hasn't partnered with many electronic retailers unlike with beauty and shoe retailers, but a good number of retailers that you might know accept Afterpay, including:
- Dillard's
- StockX
- AliExpress
- Codecademy
- V FOR VIBES
- Sandia Computers
- AimHigh Tech
- UGREEN
- Quantum Fuel Systems
- Jaime Television Repair
- Dyson
- Mr. Phone Repair Bellbrook
- 9eight5 phone accessories
- Computers 4 Less
- Central Computers
- Logical Wireless
- Sparked Innovations
- Alaska Tech
- Precision Cellular Sound
- Orange Hardwares
- Biltmore Computers
- Gymboree
- Makro Way
- JBL AC Heating
- Ulike
- My Trenton Wirlees
- Phone Daddy
- Raptor Tire Shop
- Jingle Bells Electronics
- That's Cheap
- Mobile Zone
- Repair Squad
- Mobile Masters
- Cell Computer Geeks
- Real Vibrators
- Top Concourse Electronics
- plug
- The Device Depot
- Phone 1st Stop
- Ayaneo
Travel Retailers That Take Afterpay
Afterpay also partners with most travel agencies and retailers, including:
- Expedia
- Dillard's
- Agoda
- Alternative Airlines
- Béis
- Luxury Escapes
- InUSA
- DUKAP Luggage
- Herschel Supply Co.
- Tach Luggage
- HydroMATE
- SWISSGEAR
- DICE.FM
- Parker Clay
- Booking.com
- Aero
- Go Forth Goods
- Loctote
- Knack
- Hotels.com
- Nicks Piano Services
- Birdling Bags
- Store Logo
- Priceline
- K9 Sport Sack
- LA MADISON
- Steamline Luggage
- Airportag
- Tote & Carry
- TRAPIFY MEDIA
- Manhattan Portage
- The Wander Club
- GOT BAG
- July
- Bric's Milano
- Black Travel Expo
- Traveling Tikes
- Steel Horse Leather
- Kulkea
- UPPER
- Bag All
- Fly Fairly
- KUSSHI
- Genius Pack
Jewelry Stores That Take Afterpay
Afterpay also partners with many jewelry stores, including Pandora, Kate Spade, and Michael Kors. So anytime you need to get some jewelry while on budget, you can always visit any of these stores to check out with Afterpay.
How to Use Afterpay at Stores That Accept It
Now that you know how Afterpay works and where you can actually use it, it is a great time you know how to use it.
The first step will be to get approved by Afterpay because it is only after the approval that you will be able to use the service. You can apply for approval in two ways—that is, through the Afterpay app (the best way) or at the checkout of a store that accepts Afterpay.
Before you even apply, you need to make sure you meet the requirements, which include:
- Being at least 18 years of age.
- Being a resident of a country where Afterpay operates—that is, Australia, New Zealand, Canada, the US, and the UK.
- Having a good credit history (which heavily influences Afterpay's decision).
Once you're sure you meet the aforementioned requirements, you can proceed with applying for Afterpay by downloading the app and signing up with details like your address, email, and phone number. After the signup, you should be able to submit your application by electronically verifying your identity and authorizing a credit check.
Afterpay doesn't disclose the exact time it takes to approve your application, but it shouldn't take longer than a day.
Once you're approved, all you'll need to do is link your credit or debit card, then check out with Afterpay on any online or in-store merchant that accepts Afterpay as follows:
- Go to a merchant that accepts Afterpay and shop for what you need (it can be shoes, clothes, or even jewelry). It can be any store as long as it partners with Afterpay.
- Proceed to the checkout once you're done adding items to your cart.
- Select Afterpay at the checkout and sign up.
- Agree to the terms, make the down payment, and split the remaining cost over 3 interest-free installments.
That's just how you get to use Afterpay with any store that accepts it.
Does Afterpay Accept Your Credit?
Yes, Afterpay does affect your credit as it runs a credit check to determine whether or not you should be approved. In fact, it is part of the screening process, and their inquiry will be visible on your credit report.
Are There Any Fees Involved With Using Afterpay?
No, there aren't fees for using Afterpay. However, if you are a Plus subscriber, you'll be paying a monthly fee of $9,99, which you already know if you are in the program.
For sure, the "interest-free" installment payments don't include any fees, but missing out on a payment can catch you up. That said, if you miss out on a payment that's not up to $40, you'll have to pay a late fee of up to 25% of the total cost (in which case, is $10). However, if you miss a repayment for a purchase worth $40 or more, you'll be officially charged 25% of the total cost plus another fee of up to $7 if the amount due remains unpaid after seven days of the initial fee charge.
There's a late fees cap, however, and this shouldn't be more than $68 regardless of your purchase amount.
Final Thoughts
Afterpay is a fast-growing e-commerce payment service that has partnered with thousands of retailers from different industries to offer consumers shopping on a budget to make flexible payments the way they want.
This guide compiles the full list of stores that take Afterpay, including the different categories and how you can get started with using Afterpay.
Hopefully, you'll get approved for the service and start making flexible payments for purchases you can't afford at the moment.
Don't forget that Afterpay affects your credit, so you should always be sure not to miss out on a repayment as it can also influence your future eligibility for a loan not only through them, but through other lending companies as well.