What Stores Take Afterpay In-Store 2026

In the evolving landscape of retail and personal finance, flexible payment solutions like Buy Now, Pay Later (BNPL) services have become incredibly popular. Afterpay, a leading player in this space, allows consumers to split purchases into manageable installments, often without interest. While widely known for online shopping, many people wonder, what stores take afterpay in store? The good news is that Afterpay has expanded its reach significantly, making it a convenient option for brick-and-mortar shopping in 2026.

Understanding how to leverage Afterpay for in-store purchases can open up new possibilities for budgeting and managing your spending. This guide will walk you through the process, highlight popular retailers, and explore alternative financial tools like cash advance apps for those times when you need immediate funds.

Understanding Afterpay In-Store

Using Afterpay in a physical store is designed to be as seamless as its online counterpart. Instead of swiping a traditional credit card, you typically generate a barcode or a one-time card within the Afterpay mobile app. This digital card is then used at the checkout like any other payment method. The purchase is split into four interest-free installments, usually paid every two weeks.

To get started, ensure you have the Afterpay app downloaded and set up on your smartphone. Before heading to the store, it’s a good practice to check your pre-approved spending limit within the app. This helps you plan your purchases and avoid any surprises at the register. Always remember to make your payments on time to avoid any potential late fees, though Afterpay is known for its user-friendly approach.

Major Retailers That Accept Afterpay In-Store

Afterpay has partnered with a vast array of retailers across various categories, making it easier than ever to use in-store. While the exact list can fluctuate, some of the most consistent categories and popular brands that accept Afterpay in-store include:

Fashion & Apparel: Many popular clothing stores, from fast fashion to more upscale boutiques, have embraced Afterpay. Think major retailers like Old Navy, Forever 21, and even department stores such as Macys.
Beauty & Cosmetics: Leading beauty chains like Ulta often accept Afterpay, allowing you to stock up on your favorite products and pay over time.
Home Goods & Decor: For those looking to spruce up their living space, stores like Bed Bath & Beyond frequently offer Afterpay as an in-store payment option.
Specialty Retailers: Beyond the major categories, a growing number of smaller and specialized shops, from sporting goods to electronics, are integrating Afterpay for in-store purchases.

It's always recommended to check the Afterpay app directly for the most current and comprehensive list of participating stores near you. Retail partnerships are dynamic, so the app will provide the most accurate information.

How to Find Stores That Take Afterpay In-Store

Finding a store that accepts Afterpay for your in-store shopping is simple:

Use the Afterpay App: The Afterpay mobile app has a built-in store directory or map feature. Simply open the app, navigate to the 'In-Store' section, and it will show you nearby retailers that accept Afterpay. You can often filter by category or search for specific brands.
Look for Signage: Many stores that accept Afterpay will display signage at their entrance or checkout counters. Keep an eye out for the Afterpay logo, often alongside other accepted payment methods.
Ask a Sales Associate: When in doubt, don't hesitate to ask a store employee if they accept Afterpay for in-store purchases.

By utilizing these methods, you can quickly identify where to use your Afterpay account for your next shopping trip, ensuring a smooth and convenient checkout experience.

Beyond Afterpay: Other Flexible Payment Options

While Afterpay is a fantastic tool for planned purchases, sometimes you need immediate financial flexibility for unexpected expenses or when BNPL isn't the right fit. In such situations, other options like a cash advance can be a lifesaver. Several cash advance apps have emerged as popular alternatives, offering quick access to funds without the complexities of traditional loans.

When a Cash Advance Can Help

An instant cash advance can be particularly useful for covering small, unforeseen costs that arise between paychecks. This might include an emergency car repair, an unexpected utility bill, or other immediate needs that can't wait for your next payday. Unlike BNPL, which is tied to specific purchases, a cash advance provides direct funds that you can use for anything you need.

When considering a cash advance, it's crucial to look for options that are transparent about their terms and, ideally, free from hidden fees. The goal is to get the support you need without adding financial stress.

Gerald: A Fee-Free Financial Companion

Gerald offers a unique approach to financial flexibility, combining the benefits of BNPL with fee-free cash advances. Unlike many competitors that charge interest, service fees, or late fees, Gerald is designed to be completely free for its users. This means you can shop now, pay later, and access cash advances without worrying about extra costs.

To transfer a cash advance without fees through Gerald, users typically make a purchase using a BNPL advance first. This innovative model allows Gerald to generate revenue when users shop in its store, creating a win-win scenario. Eligible users with supported banks can also receive instant cash advance transfers at no additional cost, providing immediate relief when you need it most. Gerald stands out by prioritizing user financial well-being, ensuring that essential financial tools are accessible without the burden of fees. For more information on responsible money management, resources like the Consumer Financial Protection Bureau offer valuable insights.

Disclaimer: This article is for informational purposes only. Gerald is not affiliated with, endorsed by, or sponsored by Afterpay, Old Navy, Forever 21, Macys, Ulta, Bed Bath & Beyond, Klarna, Affirm, and Zip. All trademarks mentioned are the property of their respective owners.