Buy Now, Pay Later has gone mainstream — Statista tracks thousands of merchants worldwide now offering Afterpay at checkout, spanning fashion, activewear, and everyday essentials. Splitting purchases into four interest-free payments makes budgeting easier without relying on credit cards. If you want to stretch your dollar even further, pair Afterpay with apps to track better deals before you buy. Here are 15 top stores that accept Afterpay right now — let's get started!
Quick Answer
Thousands of stores accept Afterpay, including major retailers across fashion, beauty, home goods, and activewear. Popular options include Nike, Sephora, Urban Outfitters, Anthropologie, Ray-Ban, and more. Afterpay splits purchases into four interest-free payments, making it available at checkout both online and in-store at participating merchants worldwide.
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Summary Table
| Item Name | Price Range | Best For | Website |
|---|---|---|---|
| Aerie | $10–$70 | Intimates & casual loungewear shoppers | Visit Site |
| Anthropologie | $30–$300 | Bohemian style & home décor buyers | Visit Site |
| ASOS | $10–$120 | Trend-driven online fashion shoppers | Visit Site |
| Banana Republic | $30–$200 | Smart casual & workwear shoppers | Visit Site |
| Boohoo | $5–$60 | Budget-conscious trend shoppers | Visit Site |
| Express | $20–$150 | Going-out & contemporary style buyers | See details |
| Forever 21 | $5–$60 | Teen & young adult fashion shoppers | Visit Site |
| Free People | $30–$250 | Boho & festival fashion enthusiasts | Visit Site |
| GAP | $15–$100 | Classic everyday basics shoppers | Visit Site |
| Gymshark | $25–$90 | Fitness & activewear enthusiasts | Visit Site |
| H&M | $5–$80 | Affordable everyday fashion shoppers | Visit Site |
| J.Crew | $30–$200 | Preppy & polished wardrobe builders | Visit Site |
| Levi's | $30–$120 | Denim & casual staples shoppers | Visit Site |
| Lululemon | $40–$150 | Premium activewear & yoga buyers | Visit Site |
| Madewell | $30–$150 | Quality denim & minimalist style fans | 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, swimwear, and loungewear into four interest-free payments. The brand is especially popular for inclusive sizing and comfortable everyday styles, so spreading payments can make stocking up on basics more manageable. Afterpay works both online and in select Aerie store locations.
Notable perks:
- No interest charged when payments are made on time
- Frequent sales and AerieREAL rewards stack with Afterpay
- Sizes XS–4X available across most categories
2. Anthropologie
Anthropologie supports Afterpay for online purchases, letting shoppers break higher-priced clothing, home décor, and accessories into four bi-weekly installments. Given that Anthropologie's price points often run $80–$300+ per item, using buy now pay later here meaningfully reduces upfront cost. It's a practical option for anyone wanting elevated, bohemian-inspired pieces without paying the full amount immediately.
Key details:
- Available on anthropologie.com at checkout
- Works across clothing, furniture, and beauty categories
- Orders typically ship within 3–7 business days
3. ASOS
ASOS is one of the larger budget-friendly online shops that accepts Afterpay, giving shoppers access to thousands of clothing and accessories brands split into four payments. With items ranging from under $10 to $200+, Afterpay makes it easier to build a full wardrobe order without hitting your budget all at once. According to Finder, ASOS is among the most-used retailers for Afterpay transactions globally.
What you get:
- Afterpay available at online checkout — no in-store option
- Free returns on most orders within 28 days
- Ships to 200+ countries with frequent discount codes
4. Banana Republic
Banana Republic accepts Afterpay at both its online store and in select physical locations, making it a solid choice for shoppers who want to split purchases on classic, elevated basics. The brand's price points — typically $60–$200+ per item — make buy-now-pay-later particularly useful for building a polished wardrobe without a large upfront spend.
Key perks:
- Split eligible purchases into 4 interest-free installments
- Frequent sale events (up to 50% off) stack well with Afterpay
- BR Rewards loyalty program earns points on every purchase
5. Boohoo
Boohoo, the UK-based fast-fashion retailer, supports Afterpay at checkout on its U.S. site, giving budget-conscious shoppers even more flexibility on already low-priced clothing. Orders typically range from $10–$50, so the four-installment split can bring individual payments down to just a few dollars — one of the more accessible Afterpay shopping experiences available.
Notable perks:
- Constantly updated trend-driven styles priced $8–$60
- Frequent discount codes (10–40% off) apply before Afterpay splits
- Free shipping on orders over $50
6. Express
Express integrates Afterpay directly into its online checkout, letting shoppers pay for work and going-out clothing in four equal, interest-free payments. With items ranging from $30 jeans to $150 blazers, the deferred payment option helps customers manage costs on fuller outfit purchases without waiting for a sale.
What you get:
- Afterpay available on orders within Afterpay's standard limits
- Express Insider rewards program earns points alongside Afterpay use
- Regular BOGO and 40–50% off promotions reduce total before splitting
7. Forever 21
Forever 21 accepts Afterpay at checkout, making it one of the most budget-friendly fashion retailers where you can split purchases into four interest-free installments. The brand is especially popular with younger shoppers who want trendy clothing, accessories, and beauty products without paying the full amount upfront.
Shopping perks:
- Available both online and in select physical store locations
- Most items priced $10–$50, keeping installments very low
- Frequent sales stack well with Afterpay's flexible payment schedule
8. Free People
Free People integrates Afterpay into its checkout, letting shoppers break up payments on bohemian-style clothing, activewear, and accessories. Given that many Free People pieces range from $60–$200+, splitting the cost into four payments makes the brand significantly more accessible for budget-conscious fashion lovers.
What to know:
- Afterpay available on full-price and sale items online
- FP Movement activewear line also eligible for installment payments
9. GAP
GAP accepts Afterpay across its online store, allowing shoppers to pay for jeans, basics, and outerwear in four equal installments with zero interest. As part of the Gap Inc. family, this buy-now-pay-later option extends across a wide catalog of everyday essentials for men, women, and kids, making larger wardrobe hauls easier to manage financially.
Key details:
- Works on GapFactory.com purchases as well
- Combines with Gap's frequent 40–50% off promotions
10. Gymshark
Gymshark accepts Afterpay at checkout, making it easier to split the cost of premium athletic wear into four interest-free payments. This is a solid option for fitness enthusiasts who want high-quality leggings, sports bras, and training gear without paying the full amount upfront. Gymshark products typically range from $30 to $90 per item.
Worth knowing:
- Afterpay available on both website and app orders
- Regular sales and discount codes stack with buy now, pay later
- Free shipping on orders over $75
11. H&M
H&M is one of the larger fast-fashion retailers that supports Afterpay online, letting shoppers break purchases into four bi-weekly installments with no interest. It's a practical choice for budget-conscious shoppers building out a wardrobe, since H&M prices are already competitive — most items fall between $10 and $60. If you're exploring affordable fashion alternatives, H&M with Afterpay is a strong starting point.
- Afterpay accepted at online checkout (availability may vary by region)
- Frequent member discounts through H&M loyalty program
12. J.Crew
J.Crew accepts Afterpay on its website, giving shoppers a way to pay over time for classic American clothing, accessories, and workwear. Since J.Crew's price points run higher than fast-fashion retailers — typically $50 to $200+ per piece — the buy now, pay later option makes higher-end basics and seasonal staples more accessible. Afterpay applies to full-price and sale items alike.
- Four interest-free payments on eligible orders
- Works on both J.Crew and J.Crew Factory websites
13. Levi's
Levi's accepts Afterpay on its official website, letting shoppers split purchases of jeans, jackets, and accessories into four interest-free installments. This is especially useful given that Levi's iconic 501 jeans and trucker jackets typically run $60–$200+, making buy now, pay later a practical option for quality denim without paying the full amount upfront.
Shopping details:
- Afterpay available on levis.com at checkout
- Split orders into 4 payments every two weeks, interest-free
- Works on full-price and sale items
14. Lululemon
Lululemon partners with Afterpay, making its premium athletic wear more accessible for budget-conscious shoppers. Since leggings, sports bras, and outerwear frequently range from $68 to $300+, installment payments let you spread the cost of high-performance gear across four bi-weekly payments without interest charges.
What to know:
- Afterpay accepted on lululemon.com and in select physical stores
- No interest if payments are made on schedule
- Minimum order thresholds may apply depending on location
15. Madewell
Madewell accepts Afterpay online, allowing customers to break up the cost of its denim, casualwear, and accessories into four equal installments. With jeans priced between $80 and $140 and many styles selling out quickly, using Afterpay at Madewell means you can secure pieces immediately while managing the expense over several weeks.
Key perks:
- Afterpay available at checkout on madewell.com
- Pairs well with Madewell's Insider loyalty program discounts
- No interest charged on split payments made on time
Final Words
These 15 stores make it easy to split purchases into manageable payments — from big-box retailers to discounted outlet retailers. Which one will you shop first?