Does Target Take Afterpay? Here’s What You Need to Know

Does Target Take Afterpay?

Does Target Take Afterpay?

So you’re at Target doing some shopping and find a few things you’d like to buy, but money’s a bit tight this week. Don’t worry, you’ve got options. Ever heard of Afterpay? It’s a service that lets you pay for purchases over time with interest-free installments. So wondering, Does Target Take Afterpay? The good news is Target does offer Afterpay as a payment method, so you can get what you need now and pay later. Here’s how it works: When you checkout, select Afterpay as your payment. You’ll pay 25% of the total upfront, then pay the remaining balance in three interest-free installments over six weeks. There are no hidden fees and it’s free to sign up. The only catch is that the total purchase amount has to be between $35 to $500. But for smaller buys, it’s a great way to budget your money and still be able to shop. So next time you’re strolling the aisles at Target, keep Afterpay in mind. It could be just what you need to pick up those new sneakers or decor items without breaking the bank.

What Is Afterpay and How Does It Work?

Afterpay is a popular buy now, pay later service that lets you pay for your purchases over time with interest-free installments. How does it work? It’s pretty straightforward.

  1. When checking out at Target or another participating retailer, choose Afterpay as your payment option. This will split your total into four equal payments over six weeks.
  2. For your first payment, Afterpay will authorize your card for 25% of the total. As long as that goes through, you can walk out with your items that day.
  3. Every two weeks after that, another 25% payment will be deducted from the same card automatically. No extra fees as long as you pay on time.
  4. Make your payments on schedule and you’re all set – no catch! Miss or delay a payment, however, and you may face late fees. Afterpay is best for those who budget well and pay bills on time.

Afterpay makes shopping more affordable and accessible. Whether you need essentials now or want the latest styles, you don’t have to wait to get what you need. Payments are automatic and budget-friendly. As with any line of credit though, use Afterpay responsibly and avoid taking on more debt than you can handle.

If available at your favorite stores and you pay on time, Afterpay can be an easy way to get what you want today while paying over time. But if staying on a budget is a challenge, you may want to avoid it. The choice is yours! Does Target take Afterpay? Yes, and it may be a convenient option if used properly. However traditional payment methods are always a dependable alternative.

Does Target Accept Afterpay for In-Store and Online Purchases?

So you’re interested in making a purchase from Target using Afterpay, their popular buy now, pay later service. The good news is Target accepts Afterpay both in-store and online for most items.

In-Store Purchases

When checking out at any Target store, simply tell the cashier you want to pay using Afterpay. They’ll walk you through the quick sign-up process to create an Afterpay account. Once approved, you’ll pay 25% of your total upfront, then pay off the remaining balance in three equal installments every two weeks with zero interest.

Online Orders

Using Afterpay for orders is just as easy. At checkout, select Afterpay as your payment method. After creating an account, your order will be split into four equal payments due every two weeks. The first payment is due immediately, but the rest won’t be charged any fees if paid on time.

The great thing about using Afterpay at Target is it works on almost everything, from groceries and essentials to the latest tech and furniture. As long as your order total is between $35 to $1000, you’re eligible to use Afterpay either in-store or online with only a few exceptions.

So shop like normal at your favorite Target store or and enjoy the flexibility of paying over time with Afterpay. Just be sure to pay the installments on schedule to avoid any late fees. By doing so, you can get the things you need from Target today while paying for your purchases over six weeks with zero interest. How’s that for a win-win?

What Can You Buy With Afterpay at Target?

What Can You Buy

Afterpay is now accepted as a payment method for select items on and the Target app. If you have an Afterpay account, you can use it to purchase certain goods and split the payments over time with no interest charges.

Clothing and Accessories

Afterpay can be used to purchase a variety of clothing, shoes, jewelry, watches, handbags, and more on Brands like Universal Thread, A New Day, and Wild Fable are all eligible for Afterpay installment payments. You can also use Afterpay for some name brands sold at Target like Levi’s, Champion, and Converse.

Beauty and Personal Care

Stock up on your favorite beauty, skincare, hair care, and grooming essentials from brands like Pacifica, SheaMoisture, Harry’s, and Billie using Afterpay at Fragrances, makeup, bath & body products and more are options.

Home Goods

Spruce up your living space with home accents, decor, bedding, towels, kitchenware and small furniture using Afterpay as your payment method. Brands like Threshold, Opalhouse and Hearth & Hand with Magnolia offer stylish and affordable options to choose from.

Toys and Entertainment

Select toys, books, video games and other kids’ items can also be purchased using Afterpay on Target’s website and app. Some of the brands available with Afterpay include Lego, Barbie, Hot Wheels, Nerf, Paw Patrol and more.

While Afterpay can be used on for the categories mentioned, not all items within each category may be eligible. Be sure to check that your selected products qualify for installment payments before checking out. The total cost of your order must be between $35 to $1000 to use Afterpay.

Afterpay Purchase Limits and Other Policies at Target

Afterpay has certain limits and policies in place for purchases made at Target. It’s important to understand these before using Afterpay as your payment method.

Purchase limit

Afterpay has a maximum purchase limit of $1,000 for payments made at Target. This means the total value of items in your Target shopping cart cannot exceed $1,000 if you want to checkout using Afterpay. Any amount over $1,000 will need to be paid for using another payment method. The good news is that Afterpay’s purchase limit resets after each transaction so you can use it for multiple Target purchases, as long as each transaction remains under $1,000.

Down payment

When you checkout at Target using Afterpay, you’ll need to make a 25% down payment. The remaining balance will be split into three equal installments due every two weeks. Be sure you have enough money in your linked debit or credit card to cover the down payment and installment amounts. Failure to make payments on time can result in late fees.

Returns and refunds

If you need to return an item purchased at Target using Afterpay, the return amount will be credited back to your Afterpay account. You’ll still need to make any remaining installment payments. The return amount will be deducted from your remaining balance. Any overpayment amounts will be refunded to your linked debit or credit card.

Missed or late payments

It’s important to pay your Afterpay installments on time to avoid late fees. For payments late by 1-7 days, a $10 late fee may apply. For 8-14 days late, a $15 fee may apply. After 14 days, a $25 fee and potentially other penalties may apply. Multiple missed or severely late payments can result in the suspension of your Afterpay account.

By understanding Afterpay’s policies for Target purchases, you can avoid surprises and use this popular buy now, pay later service responsibly. Let the checkout be an enjoyable part of your shopping experience rather than a stressful one.

Does Afterpay Affect Your Credit Score

Afterpay is a “buy now, pay later” service that allows you to pay for purchases over time with installment payments. Many shoppers wonder if using Afterpay will negatively impact their credit score. The good news is, when used responsibly, Afterpay typically will not hurt your credit.

Afterpay does not do a hard credit check when you sign up, so applying for an account will not lower your score. They may do a soft credit check to verify your identity, but soft checks do not affect your score. As long as you pay your installments on time each payment period, Afterpay reports your payments to the credit bureaus which can help build your credit history over time.

However, there are a couple of ways Afterpay could potentially lower your score:

  • If you miss or delay payments, Afterpay may report the late or missed payments to the credit bureaus which can hurt your score. Afterpay gives you a grace period, but if left unpaid they can take further action to recover the amount owed which may be reported.
  • Afterpay accounts remain open as long as you have an outstanding balance. This can impact your credit utilization ratio, especially if you have high balances on other cards as well. A high utilization ratio signals risk to lenders and can lower your score. Paying off your Afterpay balance will close the account and remove it from your utilization calculation.
  • Repeatedly opening and closing Afterpay accounts in a short period of time could be seen as risky behavior by credit scoring models. Space out your Afterpay purchases and pay off balances to avoid “account churning.”

As with any credit product, use Afterpay responsibly by not taking on more installment payments than you can afford to pay off and making on-time payments each period. When used properly, Afterpay can be an easy way to pay over time with minimal impact on your credit score. If your score is a concern, you may want to limit Afterpay use or pay the full purchase price upfront. But for most shoppers, Afterpay is a convenient payment option that can be used without worry when you go to make a purchase at Target or other participating retailers.

Tips for Using Afterpay at Target Smoothly


Afterpay is a popular buy now, pay later service that allows you to split purchases into four interest-free payments. The good news is, that Target accepts Afterpay on many items on their website and in stores. Here are some tips to use Afterpay smoothly at Target:

Check if your item qualifies

Not all products at Target are eligible for Afterpay. Double-check that the item you want to purchase qualifies by looking for the Afterpay logo on the product page or by asking a Target employee. Afterpay is available for most fashion, beauty, and home decor products.

Create an Afterpay account

If you don’t already have an Afterpay account, you’ll need to create one on Afterpay’s website or app and link a debit or credit card. Your account details will be used for setting up your payment plan with Target.

Make your purchase

When checking out on Target’s website, select Afterpay as your payment method. You’ll then need to log in to your Afterpay account to review and approve the purchase. In stores, tell the cashier you want to use Afterpay. They will have you review and sign for the purchase on their payment terminal screen.

Pay over time

Your total purchase amount will be split into four equal payments due every two weeks. The first payment is due at the time of purchase. Afterpay will send you reminders about upcoming payments by email, text, or in their app. As long as payments are made on time, no interest charges will be applied.

Late fees

If a payment is late, Afterpay will charge a small late fee. Multiple late payments can result in the suspension of your account until the balance is paid off. So be sure to keep track of the payment schedule to avoid extra charges.

Using Afterpay at Target can be an easy way to pay over time for the things you need and want. By following these tips, you’ll ensure a smooth experience using this popular buy now, pay later service. Let the shopping begin!


So there you have it, the lowdown on using Afterpay at Target. While the big box retailer doesn’t officially partner with Afterpay for installment payments in stores or online at the moment, that doesn’t mean it will never happen. As buy now, pay later options continue to surge in popularity, Target may join the party to keep up with competitors and give customers another convenient payment choice. For now, you’ve still got options like using your Target REDcard, which offers 5% off every purchase. Or stick with paying by cash, card, or another digital wallet for the time being. Either way, happy shopping at your favorite bullseye store!


Afterpay can be used for a wide range of products at Target, but there may be some exclusions or limitations depending on your location and the specific store policies.

If you miss an Afterpay payment, you may incur late fees. It's crucial to stay on top of your payment schedule to avoid additional costs.

Afterpay eligibility may vary depending on factors such as your credit history and location. Not all customers may qualify for Afterpay.

Yes, you can return items purchased with Afterpay at Target, but it's essential to check Target's return policy for Afterpay transactions to understand the process.

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By Rana J.

I am Rana Junaid, a technology specialist with a wealth of knowledge and experience in the field. I am a guide for businesses and individuals looking to improve their online presence. I regularly share my expertise through this blog, social media, and speaking engagements.

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