Afterpay at Target: Your Ultimate In-Store Shopping Guide

The short answer is no, you cannot directly use Afterpay for in-store purchases at Target. However, don’t despair! There are still some workarounds and alternative “buy now, pay later” options available to Target shoppers.

Navigating the Buy Now, Pay Later Landscape at Target

The rise of buy now, pay later (BNPL) services like Afterpay has revolutionized how we shop, especially for those big-ticket items or when budgets are a little tight. Target, always a trendsetter in the retail world, has adapted to this shift, but not necessarily in the way you might expect.

The Official Afterpay Stance: Online Only

While Afterpay has partnerships with countless retailers, its availability within Target is restricted solely to online purchases made through Target’s website or mobile app. If you’re browsing the aisles of your local Target, unfortunately, you won’t be able to scan a barcode or utilize a digital card to split your payment into installments via Afterpay at the register.

Why the Online Limitation?

The reasons behind this online-only restriction likely stem from a combination of factors:

• Integration Complexities: Integrating a BNPL service across all Target stores nationwide requires significant technological and logistical coordination. Rolling out Afterpay online is a much simpler process.
• Competition: Target has its own credit card, the Target RedCard, which offers similar benefits like discounts and extended payment options. Expanding Afterpay in-store might cannibalize RedCard usage.
• Control and Data: By limiting Afterpay to online, Target retains greater control over the transaction data and customer information.

Alternative “Buy Now, Pay Later” Options at Target

Even though Afterpay isn’t directly available in-store, Target offers a few alternative paths to achieve that flexible payment solution:

• Target RedCard: As mentioned earlier, the Target RedCard is a powerhouse. Both the credit and debit versions offer a 5% discount on most purchases and, for the credit card, allows you to spread payments over time (subject to credit approval and interest charges).
• Third-Party BNPL Apps (with Caveats): Some BNPL apps offer virtual cards that can be used anywhere that accepts credit cards. Technically, you could try adding a virtual Afterpay card (if Afterpay offers one) to your digital wallet (like Apple Pay or Google Pay) and then using that at the Target register. However, this is not officially supported by Target or Afterpay, and its success is not guaranteed. It may trigger fraud alerts or decline the transaction. Use at your own risk.
• Shop Online for In-Store Pickup: If you’re adamant about using Afterpay for your Target shopping spree, you can place your order online, select the in-store pickup option, and complete the purchase using Afterpay during checkout. Then, simply head to the store to collect your items.

Maximizing Your Target Shopping Experience

Regardless of your chosen payment method, a little planning can go a long way in maximizing your shopping experience at Target.

• Check for Online Deals: Target frequently offers online-exclusive promotions that you might miss if you only shop in-store.
• Utilize the Target App: The Target app is your best friend. It allows you to browse products, check prices, scan barcodes for additional information, and manage your orders.
• Join Target Circle: Target Circle is the retailer’s loyalty program, offering personalized deals, rewards, and early access to sales.

Afterpay at Target: FAQs

Here are answers to some frequently asked questions about using Afterpay at Target.

FAQ 1: Can I use Afterpay in-store at Target if I have an Afterpay card in my digital wallet?

No, while you can add an Afterpay card to your digital wallet, Target does not officially support in-store Afterpay transactions. It might work, but it is highly unreliable.

FAQ 2: Does Target offer any other “buy now, pay later” services besides Afterpay?

Yes, Target offers its own credit card, the Target RedCard, which allows you to spread payments over time (subject to credit approval and interest charges).

FAQ 3: If I place an online order with Afterpay for in-store pickup, when will my first payment be due?

Your first Afterpay payment is typically due immediately at the time of purchase, even if you choose in-store pickup.

FAQ 4: Can I return an item purchased with Afterpay at Target in-store?

Yes, you can return items purchased online with Afterpay at Target stores. The refund process will be initiated through Afterpay.

FAQ 5: What happens if I cancel an online Target order that I paid for with Afterpay?

If you cancel your online Target order, Afterpay will process a refund, and your payment schedule will be adjusted accordingly.

FAQ 6: Can I use Afterpay to purchase gift cards at Target online?

Generally, no. Afterpay typically doesn’t allow you to purchase gift cards with its service.

FAQ 7: Is there a spending limit when using Afterpay at Target online?

Yes, Afterpay has spending limits that vary based on your account history and payment behavior.

FAQ 8: Does using Afterpay at Target affect my credit score?

Using Afterpay responsibly, meaning making timely payments, generally won’t negatively affect your credit score. However, late payments could potentially impact your credit.

FAQ 9: Can I use Afterpay at Target’s in-store Starbucks?

No, because Afterpay is not accepted in-store, you cannot use it at the Starbucks located within Target stores.

FAQ 10: Are there any Target products I can’t purchase with Afterpay online?

Some products, such as certain electronics or high-value items, might be excluded from Afterpay purchases at Target’s discretion. Check the Afterpay terms and conditions or the product page for more details.

FAQ 11: How do I manage my Afterpay payments when shopping at Target online?

You manage your Afterpay payments through the Afterpay app or website. There, you can view your payment schedule, make early payments, and update your payment information.

FAQ 12: What happens if my Afterpay payment fails for a Target purchase?

If your Afterpay payment fails, Afterpay will typically notify you and provide a grace period to update your payment information. Failing to make the payment within the grace period may result in late fees and potential suspension of your Afterpay account.

Conclusion: Shopping Smarter, Not Harder

While Afterpay isn’t a direct in-store option at Target, understanding the available alternatives and leveraging Target’s online shopping features can still unlock flexible payment options and enhance your overall shopping experience. By utilizing the Target RedCard, embracing online ordering with in-store pickup, and staying informed about potential third-party BNPL solutions, you can shop smarter and make the most of your Target budget. Happy shopping!