Buy now, pay later has moved well beyond niche status — the US BNPL market is projected to surpass $160 billion in transaction volume by 2028, per Research and Markets. Afterpay leads the charge, letting shoppers split purchases into four interest-free installments with no hard credit check. Whether you're refreshing your wardrobe or stocking up on everyday essentials, knowing which stores accept Afterpay saves you time and stretches your budget further. If you also shop fast fashion, check out these similar fashion sites for even more flexible payment options. Here are 15 top stores that accept Afterpay right now — let's dive in!
Quick Answer
Major stores that accept Afterpay include Amazon, Target, Walmart, Nordstrom, Macy's, H&M, Urban Outfitters, Sephora, Ulta Beauty, Nike, Forever 21, ASOS, Anthropologie, Ray-Ban, and Levi's. Afterpay splits purchases into four interest-free installments with no hard credit check, available both online and in select physical retail locations.
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Summary Table
| Item Name | Price Range | Best For | Website |
|---|---|---|---|
| Aerie | $10–$70 | Affordable intimates & loungewear | Visit Site |
| Anthropologie | $30–$300 | Boho-chic clothing & home décor | Visit Site |
| ASOS | $10–$150 | Trendy online-only fashion | Visit Site |
| Banana Republic | $30–$200 | Work & smart-casual wardrobe | Visit Site |
| Target | $5–$200 | Everyday essentials & general shopping | Visit Site |
| Walmart | $5–$300 | Budget-conscious everyday purchases | Visit Site |
| Amazon | $1–$500+ | Everything from electronics to groceries | Visit Site |
| Lululemon | $30–$200 | Premium athletic & activewear | Visit Site |
| Urban Outfitters | $20–$150 | Trendy streetwear & home goods | Visit Site |
| H&M | $5–$80 | Affordable everyday fashion | Visit Site |
| Forever 21 | $5–$60 | Budget-friendly trend-driven looks | Visit Site |
| Zara | $20–$150 | Fast fashion with a designer feel | Visit Site |
| J.Crew | $25–$250 | Classic American preppy style | Visit Site |
| Levi's | $30–$130 | Iconic denim & casualwear | Visit Site |
| GAP | $15–$120 | Casual basics for the whole family | Visit Site |
15 Best Stores That Accept Afterpay in 2026
Below you'll find detailed information about each option, including what makes them unique and their key benefits.
1. Aerie
Aerie accepts Afterpay at checkout, making it easy to split the cost of bras, underwear, activewear, and swimwear into four interest-free payments. This is especially useful for stocking up on basics or buying seasonal swimwear without paying the full amount upfront. Aerie frequently runs sales like "10 for $35" on underwear, so pairing those deals with buy now, pay later stretches your budget further.
Good to know:
- Available both online and in-store
- No interest when payments are made on time
- Works on full-price and sale items
2. Anthropologie
Anthropologie supports Afterpay on its website, letting shoppers break up the cost of its higher-priced clothing, home décor, and furniture into manageable installments. Given that many Anthropologie pieces range from $80 to $300+, the buy now, pay later option makes the brand more accessible without requiring a large one-time payment. It's available for online purchases only.
Key details:
- Split purchases into 4 biweekly payments
- Ideal for furniture and larger home goods purchases
- Online checkout only — not available in physical stores
3. ASOS
ASOS integrates Afterpay directly at checkout, making it one of the most convenient online fashion retailers for installment payments. With thousands of clothing, shoe, and accessory options across a wide price range, shoppers can buy now, pay later on everything from a $15 tee to a $200 coat. ASOS also offers frequent discount codes that stack alongside the payment split.
Notable perks:
- Huge product catalog — apparel, shoes, beauty, and accessories
- Free shipping on orders over $35
- Afterpay available for all eligible online orders
4. Banana Republic
Banana Republic accepts Afterpay at checkout, making it easier to split the cost of premium workwear and elevated basics into four interest-free payments. This is especially useful given the brand's higher price points, where a single outfit can easily run $150–$300+. Afterpay is available both online and through the mobile app.
Good to know:
- Dresses, suits, and outerwear typically range $80–$250
- Afterpay splits total into 4 payments, due every 2 weeks
- Frequent 40–50% off sale events reduce your installment amounts further
5. Target
Target is one of the most accessible retailers that takes Afterpay, covering everything from groceries and electronics to clothing and home goods. You can use Afterpay on Target.com or through the Target app, though it's not currently available in physical Target stores at the register. Orders must meet a minimum threshold to qualify.
What to expect:
- Buy now, pay later available on most online product categories
- No interest charged if payments are made on time
- Works alongside Target Circle rewards for additional savings
6. Walmart
Walmart.com supports Afterpay as a payment option, letting shoppers spread out costs on everyday essentials, electronics, and furniture across four bi-weekly installments. Like Target, the buy now, pay later option is limited to online purchases rather than in-store. Walmart's already-low prices make the payment split particularly manageable for higher-ticket items like appliances or TVs.
Notable perks:
- Electronics and large appliances often $200–$1,000+ — ideal for installment splitting
- Free shipping on orders over $35 still applies when using Afterpay
7. Amazon
Amazon accepts Afterpay at checkout, giving shoppers buy now, pay later access to one of the largest online retail catalogs in the world. You can split purchases into four interest-free installments across millions of products — from electronics and clothing to home goods and groceries. This makes large-ticket Amazon purchases significantly more manageable without a credit card.
Key details:
- Afterpay available on eligible third-party and Amazon-sold items
- Split into 4 payments every 2 weeks, interest-free
- Works via the Amazon app and desktop checkout
8. Lululemon
Lululemon is one of the premium activewear retailers that accepts Afterpay, making their higher-priced leggings, sports bras, and gear more accessible. Given that single items often run $68–$148, splitting into four installments helps shoppers avoid a large upfront spend. Afterpay is available both online and through the Lululemon app.
Key details:
- Typical item range: $58–$198 — well-suited for installment payments
- No interest charged when payments are made on time
- Works on full-price and sale items online
9. Urban Outfitters
Urban Outfitters offers Afterpay as a payment option across its clothing, accessories, home décor, and lifestyle products. It's a practical choice for shoppers who want to spread the cost of a full outfit or apartment refresh across four bi-weekly payments. The option appears at checkout on their website and mobile app.
Key details:
- Available on orders within Afterpay's approved spending limits
- Covers apparel, shoes, beauty, and home categories
- Sister brands BHLDN and Anthropologie also accept Afterpay
10. H&M
H&M accepts Afterpay both online and in select physical store locations, making it easy to split purchases on trendy clothing and accessories into four interest-free payments. This is particularly useful for stocking up on seasonal wardrobes without paying the full amount upfront. Most H&M items range from $10–$60, keeping individual installments very affordable.
Notable perks:
- Afterpay available at checkout on hm.com and in-store
- Frequent sales and member discounts stack with buy now, pay later
- Wide range from basics to designer collaborations
11. Forever 21
Forever 21 is one of the budget-friendly fashion retailers that accepts Afterpay online, letting shoppers split orders into four equal payments due every two weeks. Given Forever 21's already low price points—most items fall between $8–$35—Afterpay makes it possible to buy complete outfits without stretching a single paycheck. It's a practical option for teens and young adults building a wardrobe on a tight budget.
What you get:
- Afterpay available at forever21.com checkout
- No interest charged when payments are made on time
- Regular promotions and clearance sections for extra savings
12. Zara
Zara supports Afterpay through its online store, allowing shoppers to spread the cost of higher-priced fast-fashion pieces across four installments. Since Zara's price points tend to run higher than competitors—averaging $30–$90 per item—buy now, pay later makes premium-looking pieces more accessible. Availability may vary slightly by region, so confirming Afterpay at checkout before finalizing your cart is recommended.
Key details:
- Afterpay accepted on zara.com for eligible orders
- No interest if all four payments are completed on schedule
13. J.Crew
J.Crew accepts Afterpay at checkout, making it easy to split the cost of their classic American clothing and accessories into four interest-free payments. This is especially useful for wardrobe staples like blazers, chinos, and cashmere sweaters that carry higher price tags. Afterpay is available both online and through the J.Crew app.
Shopping perks:
- Afterpay available on orders typically between $35–$2,000
- Frequent sale events where Afterpay stacks with discounts
- Free shipping on orders over $150
14. Levi's
Levi's supports Afterpay on its official website, letting shoppers pay for jeans, jackets, and accessories in four installments with no interest. Given that Levi's denim ranges from $50 to $200+, splitting payments makes buying quality denim more manageable without waiting for a sale. The buy now, pay later option applies to most standard purchases through Levi's direct online store.
What to know:
- Installment payments spread over six weeks
- Works on full-price and sale items
- Levi's Red Tab Members earn points even on Afterpay orders
15. GAP
GAP offers Afterpay as a payment method online, allowing customers to break up clothing purchases for the whole family into four equal, interest-free payments. Since GAP frequently bundles kids, adults, and home goods in a single order, the deferred payment option helps manage larger cart totals. The flexibility extends across GAP's regular, sale, and clearance merchandise.
Key details:
- Afterpay available on the GAP website at checkout
- GAP Cash and promo codes can often be combined with Afterpay
- Returns processed normally even on Afterpay orders
Final Words
Whether you need fashion, electronics, or home goods, these 15 Afterpay-friendly stores make splitting payments effortless — pair them with budget-friendly online shops to stretch every dollar even further.