16 Top Stores That Accept Afterpay (2026)

Buy now, pay later has gone mainstream — Capital One Shopping reports that tens of millions of U.S. consumers now use BNPL services like Afterpay to split purchases into four interest-free payments. Whether you're refreshing your wardrobe at budget-friendly online shops or hunting deals at top online outlet stores, Afterpay works at hundreds of major retailers — from big-box giants to fashion favorites. Here are 16 of the best stores that accept Afterpay right now. Let's get started!

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16 Top Stores That Accept Afterpay (2026)

Below you'll find detailed information about each option, including what makes them unique and their key benefits.

1. Target

Target accepts Afterpay both in-store and online, making it one of the most convenient retailers for splitting purchases into four interest-free payments. You can use Afterpay on clothing, electronics, home goods, and beauty products — covering most of Target's inventory across all departments.

Key details:

• Works on Target.com and in physical stores via the Afterpay app
• No interest charged when payments are made on time
• Minimum purchase thresholds may apply depending on cart total

2. Walmart

Walmart partners with Afterpay to let shoppers spread the cost of everyday essentials and big-ticket items across four bi-weekly payments. This is particularly useful for larger purchases like appliances or electronics where upfront costs can be significant. According to Finder's Afterpay store list, Walmart is among the most-used retail partners for buy now, pay later shoppers.

What to know:

• Available on Walmart.com at checkout
• Best for groceries, electronics, and household items

3. Amazon

Amazon does not currently accept Afterpay directly at checkout, which surprises many shoppers expecting the option on the world's largest online marketplace. However, some Amazon sellers offer installment options through other BNPL providers like Affirm. If Afterpay is your preferred payment method, you'll need to shop individual brand sites or other retailers on the Afterpay-approved store list instead.

Alternatives to consider:

• Use Afterpay at Amazon-owned Zappos, which does support select BNPL options
• Check Afterpay's app store directory for similar product categories

4. Macy's

Macy's accepts Afterpay across its full range of clothing, shoes, accessories, and home goods, making it one of the most practical department stores for splitting purchases into four interest-free payments. Whether you're shopping online or in-store, you can use Afterpay at checkout on orders that meet the minimum purchase threshold. It's a solid option for larger hauls where paying upfront feels like a stretch.

Notable perks:

• Available both online and in Macy's physical store locations
• Works across fashion, beauty, furniture, and housewares categories
• Frequently stackable with Macy's sales and coupon events

5. Nordstrom

Nordstrom is one of the higher-end retailers that lets shoppers pay via Afterpay, giving you access to designer clothing, shoes, and beauty products without paying the full amount upfront. This makes buy-now-pay-later particularly useful here since Nordstrom's average order values tend to run higher than typical fast-fashion stores. The installment option is available through Nordstrom's online checkout as well as the Nordstrom app.

What you get:

• Split payments on premium brands including designer labels
• Available via Nordstrom.com and the mobile app
• Works on full-price and sale items alike

6. Home Depot

Home Depot accepts Afterpay for home improvement purchases, which is especially useful given that tools, appliances, and building materials can quickly run into the hundreds of dollars. Spreading those costs across four bi-weekly installments takes the edge off larger renovation or repair projects. According to Finder's Afterpay store list, Home Depot is among the major home improvement retailers offering this payment method online.

Key features:

• Useful for appliances, power tools, and seasonal equipment
• Available through the Home Depot website at checkout
• No interest charged when payments are made on time

7. Wayland

8. Wayfair

Wayfair accepts Afterpay on furniture, home decor, and appliances, making large purchases more manageable by splitting the total into four interest-free payments. This is especially useful for big-ticket items like sofas or mattresses that can run hundreds to thousands of dollars. Wayfair regularly offers free shipping on orders over $35.

Good to know:

• Afterpay available at checkout on eligible orders
• Free shipping on most orders over $35
• Wide price range: decor from $10, furniture from $100+

9. Lowe's

Lowe's is a major home improvement retailer that accepts Afterpay both online and in-store, letting shoppers spread the cost of tools, appliances, and building materials across four payments. This makes Lowe's one of the more practical buy-now-pay-later options for home renovation projects where upfront costs can be significant.

Key details:

• Afterpay works on in-store and online purchases
• Available for appliances, flooring, lighting, and more
• No interest if paid on schedule across six weeks

10. H&M

H&M is a popular fast-fashion retailer that accepts Afterpay online, allowing shoppers to buy clothing, accessories, and home goods with four fortnightly payments instead of paying upfront. With prices typically ranging from $10 to $60 per item, Afterpay at H&M suits budget-conscious shoppers looking to stock up on seasonal styles without immediate financial strain.

• Afterpay available at online checkout
• Clothing, loungewear, and H&M Home all eligible

11. Forever 21

Forever 21 accepts Afterpay both online and in select physical store locations, making it a go-to destination for budget-conscious shoppers who want to split fashion purchases into four interest-free payments. The retailer specializes in trendy clothing, accessories, and beauty products at low price points, so Afterpay makes even larger hauls more manageable. Items typically range from $5 to $80, keeping individual installments very affordable.

What to know:

• Afterpay available at checkout on forever21.com and in-store
• Frequent sales and clearance events pair well with split payments
• Best for: Fashion-forward shoppers on a tight budget

12. Urban Outfitters

Urban Outfitters integrates Afterpay directly at online checkout, letting shoppers break up purchases on clothing, home décor, vinyl records, and gifts into four bi-weekly payments with zero interest. This is especially useful given that average orders at Urban Outfitters tend to run higher — often $60 to $200 — making installment payments a practical way to afford bigger purchases without a credit card. The option appears automatically during checkout with no separate application needed.

Notable perks:

• Works across all product categories including furniture and tech accessories
• UO Rewards loyalty points still apply when paying via Afterpay

13. Old Navy

Old Navy accepts Afterpay online, allowing families and individuals to split clothing purchases into four equal payments — a practical option given how quickly cart totals grow when buying for multiple people. With everyday prices ranging from $10 to $60 and regular 40–50% off promotions, using apps to track prices alongside Afterpay can stretch your budget even further. The buy now, pay later option applies to the full Old Navy catalog including activewear, jeans, and kids' clothing.

Key details:

• Afterpay available on oldnavy.com; check in-store availability by location
• No interest charged if all four payments are made on schedule

14. GAP

GAP accepts Afterpay at checkout, making it easy to split clothing purchases into four interest-free payments. The retailer covers everything from denim and basics to kids' and maternity wear, so families can stock up on essentials without paying the full amount upfront.

Shopping perks:

• Afterpay available both online and in select physical stores
• Frequent 40–50% off sales stack well with buy-now-pay-later
• GapCash rewards program adds additional savings

15. Banana Republic

Banana Republic's online store supports Afterpay, letting shoppers break up the cost of elevated workwear and occasion pieces into four equal installments. Given that many BR items run $80–$200+, splitting payments makes the brand far more accessible for budget-conscious shoppers who want quality without a large one-time charge.

What to know:

• Afterpay available at online checkout
• Regular 30–50% sale events reduce costs further
• Banana Republic Rewards members earn points on every purchase

16. J.Crew

J.Crew accepts Afterpay on its website, allowing customers to pay for preppy staples, suiting, and accessories in four interest-free installments. Cashmere sweaters and tailored pieces that typically run $100–$300 become much easier to manage when the cost is spread across six weeks.

Key details:

• Afterpay accepted online; confirm availability in-store at checkout
• J.Crew often offers 25–40% promotional discounts
• Final Sale items still qualify for installment payments

Final Words

These 16 stores make it easy to split purchases into manageable payments without the stress of upfront costs. Whether you need fashion, electronics, home goods, or beauty essentials, pick the store that matches your next purchase and start shopping smarter today.