100+ Stores That Accept Afterpay in 2025 (Buy Now Pay Later Stores)

It makes perfect sense, right?

You get your items now and split the cost into smaller chunks, usually with zero interest.

Afterpay and Klarna consistently rank as two of the most popular Buy Now, Pay Later apps available (you can even read our full review of Klarna to see how they compare).

But which stores do actually take AfterPay?

To make your life easier, I’ve created this handy guide with  the most complete, up-to-date list of retailers that accept Afterpay (both online and in store), all broken down by category.

Update: Afterpay is Now “Cash App Afterpay”

Here’s a quick update:

In March 2025 Afterpay rebranded as Cash App Afterpay in the US. So now everything it used to do can be done in Cash App, so you can access it directly through your Cash App accounts.

The most important thing for you to know is that everything else is still the same. Your account, the four-payment structure, the stores that accept it, and how you use the app all work exactly as they did before. It’s really just a branding update in the U.S.!

What is Afterpay & How Does it Work?

So, what’s the real deal with Afterpay, anyway?

Afterpay one of the biggest and most popular “Buy Now, Pay Later” (BNPL) companies out there.

If you’re not familiar, BNPL is just a simple way to say you can buy something now and pay for it over time in short-term installments.

Think of it as modern layaway, but way better because you get to take your stuff home immediately. It’s a super simple service that lets you buy something now but splits the total cost into four smaller payments.

And people seriously love it.

I was curious, so I looked it up. Afterpay has more than 5 million shoppers in the U.S. alone and has nearly perfect 5-star ratings from over 850,000 reviews across the Apple and Google app stores. That kind of trust says a lot.

Unlike a credit card, it’s usually easier to get approved for, and the best part is that it’s completely interest-free.

Here’s the simple explanation of how it works:

• You split the cost of your purchase into 4 payments.
• You make the first payment right when you buy your item.
• You pay the other three installments every two weeks until it’s paid off (so, over 6 weeks total).

One other thing people love is that using it doesn’t usually affect your credit score.

Just a friendly heads-up, though: if you have late payments or don’t pay at all, that can negatively impact your score. So it’s always best to pay on time!

How to Use Afterpay Online

Using Afterpay online is probably the easiest thing you’ll do all day. Here’s how:

• Go Shopping: Just fill up your cart at any of the stores that accept Afterpay (like the ones in our big list below!).
• Choose Afterpay at Checkout: When you’re ready to pay, select Afterpay as your payment method instead of entering your credit card info.
• Sign In & Get Approved: You’ll be prompted to log into your Afterpay account or create a new one. The approval process is instant, and your order ships right away.

How to Use Afterpay In-Store

Yep, you can use it at physical stores, too. This works a little differently and requires the app.

• Get the App: First, download the free Afterpay app for iOS or Android.
• Set Up the Afterpay Card: In the app, you’ll set up the digital Afterpay Card. This is a one-time process, and the card lives safely in your phone’s digital wallet (like Apple Pay or Google Pay).
• Tap and Pay: When you get to the register, just open your phone’s wallet, and tap to pay. That’s it! The purchase is automatically split into four installments in your app.

The best part about using the digital card is the flexibility to shop whenever you need to, even if that means visiting one of the many 24-hour stores near you for a late-night emergency purchase.

Afterpay Pros & Cons

While Afterpay is a great tool, it’s important to understand the good and the bad.

Pros	Cons
No interest fees ever charged	Late fees are charged for missed payments
Instant approval with a soft credit check	Can encourage impulse buys and overspending
Helps budget larger purchases over time	Not available at every single store
Easy to use through the app or online	Maximum spending limit applies

Stores That Take Afterpay

Alright, let’s get to the good stuff. This is the part you really came for!

Below is my giant, categorized list of major retailers where you can shop now and pay later using Afterpay.

My best tip: This list is loooong, so use “Ctrl + F” (or “Cmd + F” on a Mac) on your keyboard to quickly search for your favorite store.

Fashion & Apparel

Here are the top clothing stores that accept Afterpay.

• 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

Shoes & Sneakers

Pay for shoes, sneakers, boots, and any other thing shoe stores sell, with Afterpay.

• Adidas
• Crocs
• DSW
• Finish Line
• Foot Locker
• GOAT
• New Balance
• Nike
• Puma
• Rack Room Shoes
• Reebok
• Skechers
• Steve Madden
• Vans
• Zappos

Beauty & Cosmetics

Here are the top health and beauty stores where you can pay with Afterpay.

• Bare Minerals
• Benefit Cosmetics
• Dermalogica
• Fenty Beauty
• IT Cosmetics
• Kylie Cosmetics
• MAC Cosmetics
• NARS Cosmetics
• Sephora
• Tarte Cosmetics
• Ulta Beauty

Home Goods, Furniture & Hardware

Here are the top home goods and furniture retailers that let you do Afterpay.

• The Home Depot
• Lowe’s
• Wayfair
• The Container Store
• Bed Bath & Beyond
• Ruggable
• Parachute Home
• Le Creuset
• Houzz
• Yankee Candle

Electronics

Here are a few Electronics stores that accept Afterpay.

• GameStop
• Newegg
• Razer
• Sonos
• NACON

Department Stores & Major Retailers

These are the one-stop-shops where you can find just about anything. From clothing and electronics to home goods and groceries, these major retailers have you covered.

• Amazon
• Target
• Walmart
• Kohl’s
• Nordstrom
• Dillard’s
• JCPenney
• Bloomingdale’s
• Saks Fifth Avenue
• Macy’s
• Sam’s Club
• eBay

Grocery Stores

Yes, you can even use Afterpay for your weekly groceries!

It’s a huge help for budgeting everyday essentials. The key thing to know is that this almost always works by using the digital Afterpay Card from the app in your phone’s wallet (like Apple Pay or Google Pay) at checkout.

So, if you’ve been searching for grocery stores that accept Afterpay near you, your best bet is to use the app at these major supermarket chains and their regional brands.

And don’t forget, big retailers like Target and Walmart (listed above) are also go-to spots for groceries!

• Kroger
• Albertsons
• Safeway
• Vons
• Ralphs
• Fred Meyer
• Publix
• Rite Aid

Kids & Baby

Let’s be real, shopping for the little ones gets expensive. So using Afterpay can help a bit.

Here a few stores and websites that sell kids and baby related stuff where you can do BNPL via AfterPay.

• Carter’s
• The Children’s Place
• Kyte BABY
• RAGS
• Gymboree
• Janie and Jack
• Posh Peanut

Travel

You read that right. You can even book your vacation and pay for it over time.

Here are travel companies that accept Afterpay.

• Expedia
• Booking.com
• Alternative Airlines
• Vivid Seats
• Contiki

Fitness & Sporting Goods

And these are a few popular fitness and sporting goods stores that use Afterpay.

• Adidas
• Dick’s Sporting Goods
• Finish Line
• JD Sports
• Under Armour

Eyewear

Here are a few Eyewear related stores and websites that take Afterpay.

• LensCrafters
• 1-800 CONTACTS
• Eyebuydirect
• Warby Parker
• DIFF Eyewear

Pets

Yes, you can even use Afterpay to pay for food, toys, and supplies for your pets.

• PetSmart
• Chewy
• Fable Pets
• Pupford

Jewelry & Accessories

From fine jewelry to everyday essentials, you can accessorize your look now and pay later. This includes bags, sunglasses, and more.

• Pandora
• Coach
• Michael Kors
• Kendra Scott
• Ray-Ban
• Sunglass Hut
• Vera Bradley
• Rebecca Minkoff

Can’t Find Your Favorite Store?

Whew! That’s a huge list, right?

I do my best to keep this guide as current as possible, but new retailers are partnering with Afterpay all the time so their list of stores keeps growing.

So for the latest updated list of Afterpay’s partner stores check the official directory on Afterpay’s website.

Just use their search bar to type in any store  you are looking for. It’s the quickest way to find out if your favorite brand has been added!

By the way, you can even search by product or a specific brand name as well.

Afterpay vs. Competitors: How Does It Compare?

Okay, so I love Afterpay, but it isn’t the only “Buy Now, Pay Later” service out there.

You’ve probably seen names like Klarna and Affirm pop up, too.

There are in fact a lot of Afterpay alternatives out there.

So, what’s the real difference?

They all let you split up your payments, but they work in slightly different ways.

To make it less confusing, I made this simple chart to break it all down.

Feature	Afterpay	Klarna	Affirm
Payment Plan	Always 4 payments, every 2 weeks.	Multiple options, including “Pay in 4” and “Pay in 30 days.”	Longer-term plans, from 3 to 36 months.
Interest	0% interest, always.	0% interest for Pay in 4. Interest may apply on longer financing plans.	Charges interest on most plans (0% sometimes available).
Late Fees	Yes, a late fee is charged if you miss a payment.	Yes, a late fee may be charged on missed payments.	No late fees, but missed payments can hurt your credit.
Credit Check	Usually a “soft” credit check that doesn’t affect your score.	“Soft” check for Pay in 4. A “hard” check for longer plans.	A “soft” check to see if you pre-qualify, but may do a “hard” check for a loan.

Honestly, there isn’t one “best” service. It really depends on what you need.

Frequently Asked Questions (FAQ)

Still got some questions?

No problem at all.

Here are the simple answers to the stuff people usually ask about shopping with AfterPay.

What stores accept Afterpay?

Well, my huge list above is a great start! But the easiest way to know for sure is to check the official store directory right inside the Afterpay app or just look for the logo when you’re checking out online.

Can you use Afterpay on Amazon?

The short answer is yes, you can use Afterpay on Amazon. While Amazon doesn’t have Afterpay as a direct checkout button, you just have to shop “through” the Afterpay app itself. The app has a browser that lets you shop on Amazon and pay with your account.

What happens if I miss an Afterpay payment?

Afterpay just pauses your account so you can’t make new purchases. You will get a late fee, but they cap it so it won’t spiral out of control. My advice? Just contact their customer service if you think you’re going to miss one.

Does Afterpay affect your credit score?

Normally, no. Afterpay does a “soft” check when you sign up, which is invisible and doesn’t affect your score. Just know that if you don’t pay your bill for a very long time, they could report it, which would then hurt your score. So just pay on time!

Is there a limit to how much I can spend with Afterpay?

Yep. Everyone has a spending limit. When you’re new, it might be a bit lower, but as you use Afterpay and pay on time, they usually raise it for you. You can see your exact limit on the main screen of the app.

How does Afterpay make money if there’s no interest?

I know, it seems too good to be true! But Afterpay makes most of its money by charging the retailer (the store) a small fee. The stores are happy to do it because offering flexible payments gets them more customers. It’s a win-win.

Please Be Carful with BNPL Services

Okay, before you start using Afterpay to shop and pay, I want to have a quick, honest chat.

In many ways, “Buy Now, Pay Later” is fantastic. I’ve used it myself. I actually bought my last laptop on Amazon this way, paying it off in a few interest-free chunks.

My thinking was, why not?

While I had the money to pay for it upfront, these installments were interest-free and there was no credit check required either? The money is better in my bank!

A lot of people use it for the same reason, or simply because they need to budget and can’t pay for a big item all at once.

But it’s super important to be mindful when you use these services.

The Main Risk: It Can Be Too Easy

The biggest thing to watch out for is that it’s so easy to use, you can risk accumulating debt without realizing it.

Because you get the product right away and the loan is instant, it’s easy to spend more than you planned.

This has gotten so popular that even the U.S. government is paying attention. The Consumer Financial Protection Bureau (CFPB) opened an inquiry into these services.

Here’s what their director, Rohit Chopra, said:

“Buy now, pay later is the new version of the old layaway plan, but with modern, faster twists where the consumer gets the product immediately but gets the debt immediately too. We have ordered Affirm, Afterpay, Klarna, PayPal, and Zip to submit information so that we can report to the public about industry practices and risks.”

Since Zip (which used to be called Quadpay) is mentioned here, you may be interested in seeing how it stacks up against other apps like Quadpay that offer similar payment plans.

My #1 Tip: Track Everything

So, here’s my best advice: be aware of how often you’re using these plans.

If you have a few purchases on different payment schedules with different companies, it can get confusing trying to track when payments are due.

Seriously, write it down or use a simple budgeting app.

Know exactly how much you owe and when each payment is due.

The last thing you want is to be hit with late fees or bank charges because you forgot. Being smart about it means you get all the benefits without any of the stress!

Paying with Afterpay: Summary

So there you have it! The complete guide to Afterpay and the huge list of places where you can use it.

Honestly, it’s one of the best ways to get what you want today without dropping a ton of cash all at once. It gives you some breathing room and control over your budget without nasty credit card interest.

Just make sure to not go overboard with using BNPL financing. A great rule of thumb in situations like this is to ask yourself, “do I have enough money to pay cash for this purchase right now?“.

If you can’t, then you might want to reconsider that purchase, or just wait to buy it later when you have the funds for it. With so many stores that accept Afterpay, you can easily find the same item later.