Does Target Accept Afterpay? – A To Z Guide

Robert Turner By Robert Turner
32 Min Read
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Hey there, reader! Thinking about buying something big from Target?

Not sure how to pay for it? Well, I’ve got some news for you.

If you’ve just started using Afterpay, you might be wondering if you can use it at Target. Good choice, by the way! Target is one of the coolest stores out there, and lots of people who use Afterpay love shopping there.

Let’s dive in and chat about the good stuff, the not-so-good stuff, and all the little details you need to know about using Afterpay at Target.

Does Target Accept Afterpay?

So, you’re wondering if Target accepts Afterpay? You’re in the right place! Let’s break it down in a simple way, just like we’re chatting at a cafe.

The Quick Answer: Yes! You can use Afterpay at Target.

But here’s the catch: It’s only for shopping online. So if you’re browsing on or using the Target mobile app, you’re good to go.

How Does It Work? It’s pretty simple! When you’re checking out, just pick Afterpay as how you want to pay.

Now, even though it sounds super cool, there’s a thing or two you should know. Target has set some rules about how much you can spend with Afterpay. The least you can spend is $1, but the most is $1000. So, if you’re dreaming of a shopping spree, just keep an eye on that cart total!

Alright, there are a few more things to keep in mind. Afterpay has some rules of its own.

Here they are:

  1. Age Matters: You gotta be at least 18 years old.
  2. Where You Live: You should be living right here in the United States.
  3. Got a Debit Card? You should have one. It’s a must!

So, that’s the lowdown on using Afterpay at Target. Keep these things in mind, and you’re all set for a smooth shopping experience!

What Is AfterPay?

Afterpay is like your cool new shopping buddy! It’s a way to shop now and pay later. Imagine getting that awesome thing you want without having to pay for it all at once. Cool, right?

How Does It Work? It’s pretty simple! Let’s say you find something you love. Instead of paying the full price right away, Afterpay breaks it down for you.

  1. They split the total cost into four parts.
  2. You pay the first part (that’s 25% of the total) when you buy the item.
  3. The other three parts? You pay them every two weeks.

So, if you bought something for $100, you’d pay $25 when you buy it and then $25 every two weeks until it’s all paid off.

They’ve got an app for your phone. And guess what? You can link it to your Apple Pay or Google Pay. That way, shopping and paying get even easier!

The best part? If you pay on time, there’s no extra cost. Yup, Afterpay is totally free to use as long as you stick to the payment schedule.

How Can I Shop At Target Using Afterpay Service?

Let’s walk through it step-by-step so you can shop without any hiccups. Ready? Let’s dive in!

Step 1: Sign Up for Afterpay

Before anything else, you’ve gotta have an Afterpay account.

  • Just head over to the Afterpay US website or grab your phone and download the app.
  • Once you’ve signed up, you’re ready to roll!

Step 2: Time to Shop!

Now that you’re all set up:

  • Jump onto or open up the Target app on your phone.
  • Start adding stuff to your cart. Just a heads up: Make sure your total is under $1000.

Step 3: Picking Afterpay at Checkout

When you’re done shopping and ready to check out:

  • You’ll see Afterpay as an option. It’ll be there with all the other ways to pay.
  • If for some reason you can’t pick Afterpay, double-check your total. It needs to be between Afterpay’s minimum and $1000 limit.

Step 4: Paying with Afterpay

This is the super cool part!

  • As soon as you choose Afterpay and finish your order, you’ll pay the first chunk (which is 25% of the total).
  • Two weeks later, it’s time for payment #2.
  • This pattern continues until you’ve paid it all off in four payments.
  • The best bit? The app will nudge you with reminders about when to pay. Or, if you’re like me and might forget, you can set up auto-payments. No more worrying about missed payments!

What Are Some Of The Benefits Of Afterpay?

Wondering why so many people are buzzing about Afterpay? Let’s chat about all the cool things that make Afterpay a favorite for many shoppers.

  • Shop Now, Pay Later The biggest perk? You can grab what you want today and pay for it in bits. No need to wait till payday!
  • No Extra Fees with Timely Payments If you’re good with deadlines and pay on time, guess what? Using Afterpay is absolutely free! That’s right, $0 extra.
  • Say Goodbye to Interest Unlike many credit cards that charge you interest, Afterpay doesn’t. This means you only pay for what you buy, not a penny more.
  • No Credit Card Drama No credit card? No problem! Afterpay lets you shop without one, saving you from credit card hassles.
  • Everyone’s Welcome Regardless of your credit score, you can hop on the Afterpay train. No credit checks or complicated applications.
  • Joins Your Digital Squad You can add Afterpay to your digital wallet. That makes checkout super smooth!

Think of Afterpay as a friendly version of a credit card. Like a card, it lets you get stuff without paying the full amount right away. But here’s where it’s different (and cooler): There are no credit checks to start, and they NEVER charge you interest. Yep, you read that right!

However, just a heads up: If you miss a payment, there might be a fee. So, if you’re great with managing your money and know you can pay every two weeks, Afterpay can be a smart choice, especially for those everyday buys.

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How Do I Setup My Afterpay?

So, you want to jump on the Afterpay train? Awesome choice! Let’s get you set up step-by-step, so you can start shopping without a hitch.

Here we go:

  • Download the App First things first! Head over to the App Store (if you’re Team Apple) or Google Play Store (for Android fans). Look for the Afterpay app and hit that download button.
  • Open the App Once the app’s on your device, tap it open. It’s time to get things rolling!
  • Log In or Sign Up Got an account already? Great! Just pop in your login details. If you’re new, you’ll need to create an account. Just follow the prompts, and you’ll be good to go.
  • Add Your Card Next, head over to the ‘Card’ tab. This is where you’ll input your credit card details. Just follow the on-screen steps – it’s super easy!
  • Activate Your Afterpay Card After adding your credit card info, you’ll need to set up your Afterpay Card. It’s like your shopping sidekick, ready to help at checkout.
  • Ready to Shop! With everything set up, you’re all set to use your app at checkout when shopping. Just choose Afterpay, and enjoy your buy-now-pay-later experience.

How Do I Use Afterpay To Shop Online At Target?

Want to use Afterpay at Target’s online store? You’re in luck! It’s pretty straightforward. Let me walk you through the steps, one by one.

  1. Fill Up Your Cart Before anything else, shop your heart out on Target’s website. Found everything you wanted? Great! Head to checkout.
  2. Pick Afterpay at Checkout You’ll see a bunch of payment options. Look for Afterpay and select it.
  3. Log In or Sign Up
    • Already an Afterpay user? Simply log in to your account.
    • First-time user? You’ll need to give some payment details. Once your first order gets the thumbs up, you’ll be prompted to create an Afterpay account.
  4. Download the Afterpay App This one’s important. Get the app from the App Store or Google Play. It’ll make future shopping sprees even smoother.
  5. Set a Password Once you’ve got the app, set a password. This keeps your account safe and secure.

And voila! You’re all set. Each time you use Afterpay, they’ll split your payment into four parts. The first part is due right away, and the rest come due every two weeks. Remember to pay on time to avoid any fees.

Does Afterpay Charge Any Transaction Fees?

Wondering about any hidden fees with Afterpay? Let’s break it down simply for you.

  • Regular Payments = No Extra Fees! The coolest thing about Afterpay? If you pay all your installments on schedule, you won’t have any extra charges. You just pay for what you bought, split into four payments.
  • Late Payments? Watch Out for Fees: Missed a payment? Oops! There’s a $10 fee for that. And if you don’t catch up within a week, there’s another $7 added on.

So, the key takeaway? Pay on time, and you’re golden. You get to enjoy the perks of Afterpay without any extra costs. But if you slip up on your payment schedule, those fees can sneak up on you.

Who Is Eligible To Use Afterpay In Target?

Wondering if you can use Afterpay at Target? Let’s make sure you check all the boxes. Here’s a straightforward list of the requirements:

  • Age Requirements: If you’re in Alabama or Nebraska, you need to be at least 18 years old.
  • Where You Live Matters: You should be living in the United States or DC. This means you’ve got to be a US citizen or a resident of DC.
  • Let’s Talk Legalese: You should be able to enter into a legally binding contract. Basically, this means understanding and agreeing to all the terms.
  • Got a Valid US Address?: You’ll need a working address in the United States. They want to know where you’re at!
  • Stay Connected: Make sure your email and phone number are active. Afterpay will use these to send you reminders and updates.
  • Payment Essentials: Last but definitely not least, have a US-issued credit or debit card ready for the payments.

Checked all the boxes? Awesome! You’re all set to use Afterpay at Target.

How Afterpay Aids Your Online Shopping At Target?

Ever thought about how Afterpay can elevate your shopping game at Target? Let’s dive right into it:

  1. Shop Anytime, Anywhere with the Afterpay App: The Afterpay app is like your shopping buddy. Once you have it on your phone, you have a directory of all the cool places that accept Afterpay, right at your fingertips.
  2. No More “Can I Afford This Now?” Moments: You spot something you love, but payday’s still a week away. No worries! Afterpay lets you grab it now and pay in four easy chunks. No more waiting or missing out on that limited-time deal.
  3. Easy Store Locator Feature: Not sure where to shop? The app shows you nearby stores that accept Afterpay. This means you can hop into a physical store, pick what you want, and use Afterpay without any awkwardness.
  4. More than Just Target: While Target’s awesome, it’s not the only place you can use Afterpay. Big names like Amazon, Walgreens, and Kroger are on the list too! More choices mean a better shopping experience.

Is Every Order On Target Approved by Afterpay?

Planning a shopping spree at Target with Afterpay? It’s super handy, but there’s something important you should know.

Not Every Order Gets the Green Light That’s right. Just because you choose Afterpay doesn’t mean it’s an automatic ‘yes’ for every order.

Why Might Afterpay Say No?

  • They Want You to Stay Smart with Money: Afterpay’s all about helping you shop responsibly. It’s like that friend who reminds you not to overspend!
  • Your Order’s Total Matters: Even if you think you’re within your spending limit, Afterpay might think otherwise. It’s like when you have room for dessert, but maybe not that huge slice of cake.
  • It’s Not Just About the Money: There’s a behind-the-scenes calculation. Afterpay looks at various things, not just your past spending.
  • Stores Have a Say Too: The place you’re shopping at, like Target, might have its own set of rules that affect your order.
  • Loyalty Pays: Been using Afterpay for a while? Paid off previous orders on time? These gold stars can help increase your chances of getting an approval.

What Do I Need To Consider When Using Afterpay?

So, you’re thinking of hopping on the Afterpay train. That’s cool! But before you start, let’s make sure you’ve got all the info you need.

  • Check Your Funds First: Just like checking your pockets before buying ice cream, make sure there’s enough money on your card for the first installment. You don’t want any surprises!
  • New to Afterpay? They’re Watching! (In a Good Way): In your first 6 weeks with Afterpay, they’re a bit stricter. It’s like being on a probation period at a new job.
  • Consider Making an Extra Payment: This isn’t a must-do, but if you want to feel lighter, you can pay down some of the amount you owe. It’s like paying more than the minimum amount on a credit card.
  • Review Your Shopping Cart: Sometimes, adjusting your order value can help. Maybe swap that expensive gadget for a budget-friendly alternative?
  • How Many Open Orders Do You Have?: It’s good to keep track of the number of orders you currently have with Afterpay. Think of it as juggling – you don’t want to drop any balls!
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Is the Afterpay Card in Your Digital Wallet Safe?

Wondering if your Afterpay card is safe in your digital wallet? Don’t sweat it! Let’s break it down so you can shop with peace of mind.

Is It Safe? In Short: Absolutely!

When you put your Afterpay card in your digital wallet, it’s like storing it in a super secure vault. Afterpay and the wallet apps have got your back with some tight security.

1. Shopping with Apple Wallet? No Problem!

  • Every time you want to use Apple Pay, it’s gonna ask you to prove it’s really you. That means either using your face (Face ID), your fingerprint (Touch ID), or typing in that secret code (your device passcode).

2. Using Google Wallet? You’re Covered!

  • If you’re buying something over $50, Google Pay is like that friend who double-checks everything: it’s gonna ask you to unlock your phone.
  • And if your screen is locked? You get a few freebies, like a handful of transactions under $50. But after that, it’ll ask you to unlock for more shopping power.

So, in simple words? Your Afterpay card is cozy and secure in your digital wallet. You’ve got layers of protection, making sure your money stays safe and sound.

Can You Use Afterpay to Return Stuff You Bought Online at Target?

Ever bought something online from Target using Afterpay and then had a change of heart? Don’t stress! Let’s chat about how you can return that purchase.

  • Store’s Rule Rules!: First things first: always check out the store’s return policy. Every store is a bit different, and Afterpay wants you to follow their rules.
  • Target and Afterpay? They’re Cool!: Good news! With Target, you can totally return things you bought online using Afterpay. Whether you changed your mind or got the wrong size, they’ve got you covered.
  • Make It Happen: In-Store or Online!
    • In-Store: Bring the item and your receipt to your local Target. They’ll help you out right there.
    • Online: Want to mail it back? Use Target’s online return center. Just follow their steps to get that return label.

Here’s How to Return Online:

  • Step 1: Go to or the Target app, and click on your order.
  • Step 2: Find the item you want to return, and hit “Return Item.”
  • Step 3: Choose if you want to return in-store or by mail.
    • In-Store: They’ll give you a barcode. Take that to the store, and their team will sort you out.
    • By Mail: Pick the item you’re returning and why you’re returning it. Then, print out the mailing label they give you.
  • Step 4: For mail returns, package up the item with everything it came with. Slap on that return label. Then, drop it off at a UPS spot.

Always make sure you’re returning the right item. If you accidentally return something different, Target might say, “Hey, we need our money back!” once they figure it out.

So, whether you’re mailing it back or visiting the store, returning your Afterpay purchase at Target is a breeze.

Returning an Online Purchase from Target via the Afterpay App

If you’ve had a change of heart about a purchase from Target made using Afterpay, here’s a straightforward guide to mail back your order through the Afterpay app:

  • Open the Afterpay App: Grab your mobile device and launch the Afterpay app.
  • Access Your Orders: On the home screen, tap on the ‘Orders’ icon to view your recent purchases.
  • Locate Your Target Purchase: Browse through your list of orders to find the item(s) you purchased from Target. Once located, tap on it to open its details.
  • Initiate the Return: Scroll down to find the ‘Return Order’ option and tap on it.
  • Specify Return Method: When prompted, choose the ‘Mailing a return’ option. This means you intend to ship the item back as opposed to returning it in-store.
  • Provide Return Details: Depending on the app’s prompts, you might need to specify the reason for the return (e.g., incorrect size, change of mind, defective item, etc.).
  • Confirmation: Once you’ve provided all necessary details and completed the process, you should receive a confirmation indicating that your return process through Afterpay has been initiated. This does not mean your return has been accepted by Target yet, but it lets Afterpay know you’re in the process of returning an item.
  • Mail Back Your Item to Target:
    • Pack the item securely with all its original packaging and any provided return forms.
    • Based on Target’s return policy, you may need to visit Target’s online return center to print a return label.
    • Attach the return label to the package and drop it off at the appropriate location (e.g., UPS).
  • Payment Postponement: With the return initiated through Afterpay, the app might allow you to postpone payments for the item until Target processes the return.

Remember, it’s essential to also ensure that the return adheres to Target’s return policy. Afterpay’s acknowledgment of your return does not automatically mean Target will accept the return. It’s a good idea to keep a copy of any return tracking numbers or receipts until the return is finalized and your refund (or credit) is processed.

Where Can I View My Previous Target Afterpay Purchases?

To view your previous Target purchases made through Afterpay, follow these steps:

  • Access the Afterpay App: Launch the Afterpay app on your mobile device. If you haven’t already done so, sign in using your registered credentials.
  • Navigate to the ‘Orders’ Section: Once you’re on the home screen of the app, tap on the ‘Orders’ icon or tab. This will display a list of all your past and recent purchases made using Afterpay.
  • Find Your Target Purchases: Browse through the list to find your purchases from Target. Orders will typically be listed by date, with the most recent at the top.
  • View Order Details: Tap on a specific Target purchase to see detailed information about that order. This will typically include items purchased, the total amount, payment dates, payments made, remaining balance, and more.
  • Web Browser Option: If you prefer, you can also view your purchase history by logging into your Afterpay account through a web browser. Simply visit the Afterpay website, log in to your account, and navigate to the ‘Orders’ or ‘Purchase History’ section to view your previous transactions.
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Remember to always keep your login details secure and ensure that you log out of public or shared devices after accessing your account.

Can I Pay Target Less Than The Full Installment Amount?


If you find yourself in a situation where you cannot make the full installment payment to Target through Afterpay, you can take advantage of Afterpay’s “Pay what you can, when you can” feature. This is especially helpful for those who might be facing financial hardships or unforeseen expenses.

Here’s how you can make a partial payment:

  • Access Your Afterpay Account: Open a web browser and go to Sign in using your registered credentials.
  • Navigate to ‘Payment Schedule’: Once you’re logged in, click on ‘Payment Schedule’ from the dashboard or menu.
  • View Your Order: From the list of orders, select ‘View Order’ for the specific Target purchase you wish to make a payment for.
  • Make a Partial Payment: Beneath the order summary, you’ll find a button labeled ‘Make a payment’. Click on it.
  • Enter the Desired Amount: A prompt will appear allowing you to enter the amount you wish to pay. This can be any amount up to the full installment or even the full remaining balance of the order, if you choose.
  • Finalize Payment: Once you’ve entered the desired amount, confirm and complete the payment process.

After you’ve made your partial payment, the payment schedule will be adjusted accordingly. Remember that the remaining amount will still be due on the upcoming installment dates.

Always ensure that you are aware of any potential late fees and keep an open line of communication with Afterpay if you foresee any difficulties in making payments. It’s always a good practice to stay proactive and informed about your financial commitments.

What Happens If I Am Unable To Make A Timely Afterpay Payment To Target?

If you’re unable to make a timely Afterpay payment for your purchase from Target, there are a few things that will happen:

  • Instant Account Pause: If a scheduled payment is missed, Afterpay will temporarily suspend your account. This means you won’t be able to make any further purchases using Afterpay until the outstanding payments are settled.
  • Late Fees: If your payment isn’t made within 24 hours of the due date, you may be charged a late fee. Afterpay usually charges an initial $10 late fee and an additional $7 fee if the payment remains unpaid 7 days after the due date.
  • Reduced Spending Limit: Your ability to use Afterpay in the future might be affected. For instance, you may find that your spending limit is reduced. This is because Afterpay’s system considers various factors, including any late payments, when determining individual spending limits.
  • Possible Long-term Restrictions: If the account remains in arrears and you don’t communicate or work with Afterpay to settle the outstanding amount, there’s a possibility that you might be restricted from using their service permanently.
  • Effect on Pulse Rewards: Afterpay offers a rewards program called Pulse Rewards. If you miss a payment, it can impact your standing or tier within this program.
  • Communication is Key: If you foresee that you won’t be able to make a payment on time, it’s crucial to contact Afterpay’s customer service team. They might be able to provide a solution or arrange for an alternative payment plan.
  • No Impact on Credit Score: As of my last update, Afterpay doesn’t report late payments to credit bureaus. However, it’s essential to stay updated on their terms, as policies can change.

In summary, while there are consequences for missing an Afterpay payment, the company does aim to support responsible spending. If you find yourself in a tight spot, the best course of action is always to communicate directly with Afterpay to find a suitable solution.

Is It Possible To Register Afterpay During Target’s Checkout Process?


If you’re shopping at Target and decide to use Afterpay as your payment method but haven’t registered yet, you can easily sign up for an Afterpay account during the checkout process. Here’s how:

  • Select Afterpay: When you reach the payment options section during checkout, choose Afterpay as your preferred payment method.
  • Sign Up: You’ll be redirected to Afterpay’s registration page. Here, you’ll need to provide the required details such as your email address, phone number, and other necessary information.
  • Instant Approval: Once you’ve filled in the required details, Afterpay will assess your application. This process is quick, and you’ll usually know within a few minutes if you’re approved to use their service.
  • Complete Purchase: Once approved, you’ll be redirected back to Target’s website to complete your purchase. Your first payment installment will be due immediately, with the remaining payments spread out over the next six weeks.
  • Confirmation Email: After completing your purchase, you’ll receive a confirmation email from both Target and Afterpay, outlining your order details and payment schedule.

It’s worth noting that while the signup process is quick and easy, Afterpay does have certain eligibility criteria that must be met. Ensure that you meet these criteria to avoid any interruptions during checkout.

In Conclusion To

In conclusion, Afterpay offers a convenient buy now, pay later solution that can be utilized seamlessly during Target’s checkout process. By allowing consumers to spread out their payments over several installments, it provides flexibility without the need for traditional credit.

For those who haven’t registered yet, the integration of Afterpay’s signup during Target’s checkout ensures a smooth shopping experience. However, as with all financial tools, it’s essential to be mindful of payment schedules to avoid any additional fees.

When used responsibly, Afterpay can be a beneficial tool for managing short-term spending at retailers like Target.

Frequently Asked Questions

Does Target accept Afterpay?

Yes, Target now accepts Afterpay both in-store and online.

How does Afterpay work at Target?

Afterpay allows customers to shop now and pay later in four interest-free installments. At checkout, select Afterpay as the payment method and follow the prompts to create an account and complete the purchase.

Is there a minimum purchase amount to use Afterpay at Target?

Yes, the minimum purchase amount for Afterpay at Target is $35.

Can I use Afterpay at Target for all products?

Afterpay can be used for most products sold at Target, but there may be some exclusions. Check the Target website for more information.

Can I return items purchased with Afterpay at Target?

Yes, you can return items purchased with Afterpay at Target for a refund. The refund will be processed back into your Afterpay account balance.

Are there any fees or interest charged when using Afterpay at Target?

Afterpay does not charge any interest or fees as long as payments are made on time. Late payments may result in fees or declined future purchases.
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Meet Robert, a seasoned tech blogger and copywriting maestro. With an innate passion for all things tech, Robert's expertise shines through his exceptional articles on Tech, Android, Windows, Internet, Social Media, Gadgets, and Reviews. His captivating writing style and deep knowledge make him a trusted source for the latest insights in the ever-evolving tech landscape.
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