Afterpay has quickly become one of the most popular payment options at checkout. With its flexible “buy now, pay later” model, Afterpay appeals to shoppers who want more affordable ways to pay without credit cards or financing.
So it’s no wonder Target shoppers are asking: Does Target accept Afterpay in 2024?
The short answer is: Yes, Target does take Afterpay for online purchases – with some key limitations shoppers should be aware of.
In this detailed post, we’ll cover everything you need to know about using Afterpay at Target in 2024 and beyond:
- What Afterpay is and how it works
- The requirements and process for using Afterpay online at Target
- Limits, restrictions, fees to be aware of
- Tips, benefits, and frequently asked questions
Let’s dive in and unpack whether Target really accepts Afterpay in 2024!
What is Afterpay and How Does This “Buy Now, Pay Later” Service Work?
Afterpay is a popular digital “pay later” platform that allows shoppers to purchase items online and pay the total checkout cost off over time in manageable installments.
Here is a quick run-down of how Afterpay works:
- Afterpay lets you buy products immediately without paying everything up front
- Your total order amount gets split into 4 installment payments
- The first payment of 25% is due when you checkout
- The remaining balance is paid off in 3 more payments every 2 weeks
- As long as you pay on time, there are no interest fees or charges beyond the initial purchase cost
Rather than a credit card or financing plan, Afterpay acts more like structured installments. It aims to help consumers budget purchases over 6 weeks in a straightforward, interest-free way.
To use Afterpay, all you need is a valid debit or credit card. There’s no lengthy application, credit checks are soft, and approval for most customers is instant.
Afterpay also does not report payments to credit bureaus or impact your credit score. So it provides an extra layer of flexibility compared to credit cards.
Overall, Afterpay gives immediate access to products you want now while allowing you to effectively pay later in predictable installments on your own schedule.
Does Target Accept Afterpay in 2024 For Purchases?
So here’s the big question: Does Target take Afterpay currently?
The answer is yes – Target does accept Afterpay as a payment method in 2024. However, Target places certain limits around using Afterpay that shoppers should be aware of:
- Target only takes Afterpay for online orders – Afterpay cannot be used for in-store checkout purchases
- There are order amount thresholds when using Afterpay at Target
Specifically, while Afterpay is accepted at Target.com and through the Target app, Afterpay is not able to be used at physical Target store locations as a form of payment.
Target also enforces minimum and maximum order amounts to use Afterpay:
- Minimum Order: $35
- Maximum Order: $1000
So to summarize – for any online order between $35 and $1000 placed through Target’s online store or mobile app, Target does accept Afterpay in 2024 as an interest-free installment payment option.
But key limitations exist, namely that Afterpay can only facilitate online Target purchases, not in-stores transactions.
Step-By-Step Guide To Using Afterpay at Target Online
Using Afterpay at Target for online orders is straightforward – just follow these key steps:
Step 1: Create an Afterpay Account
First things first, you’ll need an Afterpay account.
The quickest way to create one is by downloading the Afterpay app for iPhone or Android and entering some basic personal details.
You can also sign up directly at Afterpay.com.
It only takes a minute or two!
Step 2: Shop Online at Target.com
Once signed into your Afterpay account, simply navigate to Target.com or open the Target app and start building your online cart.
Browse, search, and add items as you normally would when shopping Target online.
Just be mindful to keep your total order amount between $35 and $1000 to use Afterpay at checkout.
Step 3: Select Afterpay as Payment Method
When ready to checkout your Target order, click/tap to open your payment options and select Afterpay from the list.
You may need to log into your Afterpay account through their portal for identity confirmation.
If you don’t see Afterpay as an option, double check your order total meets the thresholds. As long as your cart is $35-$1000, you should be able to choose Afterpay assuming you have an account.
Step 4: Pay Your Installments Every 2 Weeks
And that’s it! Once Afterpay is selected and approved, your total purchase amount gets split into 4 interest-free payments:
- 1st payment of 25% is due at checkout
- Remaining balance paid in 3 installments every 14 days
As long as you pay on schedule, there are no fees beyond reimbursing Target for the products. Just check your payment dates within your Afterpay account and pay on time.
Why Shoppers Love Using Afterpay at Target?
Beyond flexible installment payments, what makes Afterpay so popular with Target shoppers? Here are some of the key benefits:
Shop Now, Pay Over Time
Gain immediate access to the Target products you want without needing to pay everything upfront. Afterpay installment plans make bigger purchases more digestible.
Pay in 4 Automatic Installments
Rather than a large single charge, your total order amount gets divided into 4 scheduled payments over 6 weeks. Easier to budget and manage.
Completely Interest-Free
As long as you pay each bi-weekly installment on time, Target orders via Afterpay incur absolutely 0% interest or hidden fees of any kind.
Easy Instant Approval
Signing up for Afterpay takes seconds and approval requires no long credit applications or credit checks. As long as you have a debit/credit card, you’re likely approved!
Use Like a Mobile Wallet
Add your Afterpay payment details to Apple/Google Pay for easy scanning and checkout at supporting retailers without physical cards.
Overall, Afterpay makes shopping at Target more affordable, automatic, and approachable – especially for high-ticket items or bulk purchases.
Important Afterpay Limits To Know For Target
While using Afterpay at Target online provides great flexibility, there are purchase limits shoppers need to be aware of:
Minimum Order: $35 (Below this amount Afterpay cannot be selected)
Maximum Order: $1000
This defined order range from $35 up to $1000 applies per Target transaction when checking out with Afterpay.
So be careful not to exceed $1000 in your cart total or Afterpay will be unable to cover the purchase amount. Shoppers would need to complete checkout in multiple transactions when purchasing high volumes.
Keep this threshold in mind when browsing big-ticket items or buying in bulk!
Target Afterpay FAQs: Common Questions Answered
Here are answers to some frequently asked questions about using Afterpay with online Target purchases:
Does Target allow Afterpay for in-store purchases?
Unfortunately no. Target only accepts Afterpay for online orders placed through Target.com or their app – not in physical Target stores.
What if I miss a Target Afterpay payment?
Like most installment plans, there are penalties for missed payments:
- A $10 late fee is assessed per missed payment
- An additional $7 fee applies for every week the payment remains outstanding
- Afterpay may revoke your account privileges with repeated late payments
So be sure to closely monitor your payment dates and pay on time!
Can I return a Target purchase I made with Afterpay?
Yes, Afterpay shoppers can return online Target orders the same as any other purchase. Simply initiate Target’s online return process for refund/exchange. Your upcoming Afterpay payment schedule gets adjusted accordingly.
Does Target allow Afterpay on gift cards or prepaid items?
Unfortunately no. Afterpay at Target can only facilitate purchases of tangible products that ship from Target to shoppers. Intangible purchases like gift cards are not eligible.
Is my Target RedCard eligible for Afterpay?
No, the Target RedCard credit account is considered separate financing and cannot be used with Afterpay in a single transaction. But RedCard holders are still able to use Afterpay on other cards for Target runs.
Get Started Using Afterpay at Target Online!
As you can see, while some small restrictions apply, Target does accept Afterpay in 2024 as an easy way to budget bigger online purchases without interest or credit checks.
Here are some quick final tips for effectively shopping at Target using Afterpay:
- Ensure your online order total is $35-$1000
- Sign up for Afterpay ahead of checking out
- Select Afterpay as the payment option
- Carefully monitor upcoming payment dates
- Pay all 4 installments on time every 2 weeks
If you want flexible financing for that next Target run, give Afterpay a try! Create your account on mobile or desktop, and choose Afterpay at online checkout to split your total into predictable installments over 6 weeks.
With a few small considerations, Afterpay makes affording your favorite Target products easier than ever. #shopnowpaylater and see why millions of Target customers now buy now, pay later!
Summary: Key Takeaways About Target Accepting Afterpay
To recap, key things to remember:
- Afterpay is accepted at Target.com and the Target app (not in stores)
- Keep online orders between the $35 minimum and $1000 maximum
- Sign up for Afterpay ahead of completing online checkout
- Select Afterpay as the payment method to split purchase cost
- Carefully pay each installment every 2 weeks to avoid fees
- Enjoy shopping Target online while paying gradually with Afterpay!
We hope this thorough guide clarified whether Target takes Afterpay and how to use it effectively online. Happy shopping and budgeting! Let us know if you have any other questions.
