What Clothing Stores Accept Afterpay?

Afterpay is a widely adopted “buy now, pay later” service, offering consumers a flexible payment solution. This article guides shoppers on where to use Afterpay for clothing purchases, covering both online and in-store options.

Understanding Afterpay

Afterpay enables customers to acquire items immediately and pay for them over a set period, typically through four interest-free installments. The initial payment, which is approximately 25% of the total purchase price, is due at the time of checkout. The remaining three payments are then automatically deducted from a linked debit or credit card every two weeks over a six-week period.

To use Afterpay, individuals must be at least 18 years old and possess a valid debit or credit card. They also need to provide basic personal information, such as an email address, phone number, and date of birth, to create an account. While Afterpay itself does not charge interest, late fees may apply if payments are missed, generally capped at 25% of the purchase price or $68, whichever is less.

Afterpay pays the merchant the full purchase amount upfront. Each transaction undergoes an approval process that considers factors like available funds and the customer’s repayment history. This system helps manage spending limits, which may increase over time with consistent on-time payments.

Online Clothing Retailers Accepting Afterpay

Many online clothing retailers across various styles and price points accept Afterpay as a payment method. Popular stores include:

Aerie
Anthropologie
ASOS
Banana Republic
Boohoo
Express
Forever 21
Free People
GAP
Gymshark
H&M
J.Crew
Levi’s
Lululemon
Madewell
Old Navy
PacSun
Revolve
SHEIN
Urban Outfitters
Zara

The payment option typically appears on the product page or at the checkout stage of the retailer’s website. Shoppers can also initiate purchases through the Afterpay app, which features an in-app browser to facilitate shopping at participating online stores. This payment flexibility extends to major department stores with significant online clothing selections, such as Nordstrom, Macy’s, and Kohl’s.

In-Store Clothing Retailers Accepting Afterpay

Afterpay is also accepted at numerous physical clothing retailers, providing an in-person “buy now, pay later” experience. Major general merchandise retailers with extensive clothing departments, such as Target, Walmart, Kohl’s, Nordstrom, and Macy’s, are among those that support in-store Afterpay transactions. Many dedicated fashion boutiques and larger apparel chains also participate.

To use Afterpay in a physical store, shoppers typically need to download the Afterpay mobile application. Within the app, users can set up the Afterpay Card, a digital card that can be added to their smartphone’s digital wallet, such as Apple Pay or Google Pay. This digital card functions like a virtual payment card, enabling contactless transactions at the point of sale.

The Afterpay app includes an “In-Store” tab, which allows users to browse or search for nearby retailers that accept Afterpay. When ready to pay, customers simply open their digital wallet and tap their phone on the card reader to complete the purchase.

Completing Your Purchase with Afterpay

Finalizing an Afterpay purchase, whether online or in-store, involves a straightforward process once the retailer is selected. For online transactions, customers proceed to the checkout page and choose Afterpay as their preferred payment method. This action typically redirects them to the Afterpay portal, where they either log into an existing account or quickly sign up for a new one. Once logged in, the payment schedule is presented for review and confirmation, and the first installment is processed immediately.

For in-store purchases, the process begins by ensuring the Afterpay Card has been set up and added to a digital wallet. At the cash register, the customer opens their smartphone’s digital wallet, selects the Afterpay Card, and taps their device on the card reader.