Does Target Take Afterpay in 2023? My Experience

Does Target Take Afterpay

Buy now, pay later companies are on a roll nowadays. The benefits associated with the buy now, pay later feature is luring everyone to avail of this service.

Afterpay is an Australian company operating in the United Kingdom, the United States, Canada, Australia, and New Zealand.

The program makes it to the front row when we talk about successful fintech companies in this domain. The company has partnered with thousands of retailers around the globe.

Does Target take Afterpay? Let’s find it out.

Does Target Take Afterpay?

Yes, Target accepts Afterpay as a payment option. The fintech company announced its partnership with Target in 2017.

You can buy products from Target without spending any money using Afterpay and then repay this amount later in 4 interest-free fortnightly installments.

Afterpay is available both online and in-store. For online orders, it is available for between $1-$2000, and for in-store orders between 0$-1000$. I bought iPhone 13 while shopping at Target using Afterpay. The method was easy and quite convenient.

Does Afterpay Hurt Your Credit?

No, Afterpay does not affect your credit rating or credit score.

Afterpay has a policy of not reporting late payments for smaller transactions by doing credit checks.

Credit score or credit rating is only affected if someone reports late payments or does credit checks. If your purchase is below 150$, Afterpay won’t report this late payment.

In this way, your credit score isn’t affected at all. Afterpay also has the option to pause the account if somehow you can’t pay an installment.

What Forms of Payment Does Target Take?

Target is one of the biggest retail chains in the United States; therefore, it has several payment options to facilitate its large customer base.

Payment methods accepted by Target online and in the Target app are:

  • Third-party debit cards associated with Visa and Master cards
  • Affirm, Zip, Klarna, Afterpay, Sezzle, PayPal, Pay in 4,
  • Target Red Card
  • American Express
  • Discover/Novus
  • Master Card/Visa Card

Payment methods accepted by Target in-house stores are:

  • Cash
  • Target Red Card
  • EBT cards
  • Debit/Credit Cards
  • Contactless Payments
  • Merchandise Voucher
  • Check Rebates
  • Gift Cards/Gift certificates

There is a complete list of payment options available on the Target website.

Can I Use Afterpay at Target in the US?

Yes, you can use Afterpay at Target in the United States. The company offers the buy now, pay later feature to select customers in the United States.

Reddit users reported a glitch in the Afterpay system by which they couldn’t use it at their Target stores in the US.

This matter was later resolved, and now you can buy from your nearest Target using Afterpay.

Can Anyone Use Afterpay?

No, not everyone can use Afterpay. There are specific eligibility requirements to use Afterpay. Some of these are:

  • Must be over 18 years of age
  • Have a valid debit or credit card in the country where you are using Afterpay

The eligibility requirements vary from country to country. For example, Afterpay requirements can differ between the United States and Australia.

You may also want to read about other Afterpay services-related blogs:

What Stores Accept Afterpay in-store?

Afterpay Accepted Stores

Afterpay has partnered up with thousands of stores. These stores accept Afterpay as a payment option for in-store shopping, and some accept it for online shopping.

These stores include:

  • Target
  • The Iconic
  • Bing Lee
  • Sephora
  • Cotton On
  • Lee Jeans
  • Lacoste
  • Tarocash
  • Adidas
  • Nike

And many other famous stores. You can view the complete list on the Afterpay website.

Why is Afterpay Not Working on Target?

This was an issue only for a brief period of time for US consumers.

As discussed earlier, there was an issue with Afterpay not showing Target in its app. This issue was later resolved, and now you can use Afterpay at Target.


Afterpay has done a great job of understanding the market needs and providing a suitable alternative for people making regular purchases on loans. It is now available in more than 5 countries and is expanding its ways to other regions.

We hope that this blog cleared up all of your queries regarding Afterpay. This was all for today. See you next time.

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