Target Buy Now Pay Later

From grocery shopping to home improvement, office supplies to video games, the bull’s-eye retailer has us covered.

But once in a while, the total cost of these purchases can be overwhelming for our wallets. Fortunately, Target now has buy now, pay later Target plans!

Does Target Have Payment Plans?

Yes. The increase in financing options and convenience of flexible digital payments coupled with limited budgets makes a strong case for payment plans. Moving with the tide, Target has partnered with buy now, pay later (BNPL) providers to make it easier for their customers to purchase from their wide catalog of products.

Target partners with payment providers such as Sezzle and Affirm to bring users the convenience of flexible digital payments. These are accessible to consumers across all their nationwide stores as well as their website and app. Target also offers its store card, the RedCard, to frequent shoppers.

Target RedCard

The RedCard is a store card offered by Target. It gives credit and debit options that can be used in-store, at, or on the Target app.

The key feature of the card is it gives users a 5% discount on every purchase and 30 additional days to make returns. There are also extra benefits such as free 2-day shipping, no annual fees, early access to sales, special gifts and items, promotional offers, and more.

These features and offerings are available for credit and debit options.

The debit option also allows you to withdraw $40 at checkout and links to an existing checking account. On the other hand, the credit option doesn’t have any withdrawal features and isn’t linked to a checking account.

What Buy Now Pay Later Apps Does Target Accept?

Have a big home improvement project lined up at the end of the month?

Or perhaps you have an unexpected purchase that your budget can’t accommodate at present?

Here’s how Target makes it easier to meet the financial demands of life.

Does Target take Affirm?

Affirm is a BNPL provider that offers multiple financing options to users and a list of brands and stores (online and offline) where you can use them.

With Affirm, you can purchase eligible items between $100 and $15,000 (including tax) at Target and pay for them later. They currently offer flexible repayment schedules of 3, 6, and 12 months. Affirm also offers to finance purchases under $100 but the payment options are more limited.

While Affirm doesn’t charge hidden fees, they have a 10% to 30% annual percentage rate (APR). They may also request a downpayment under certain conditions.

Getting approved by Affirm is subject to three considerations:

  • Your financial history
  • Affirm’s eligibility requirements
  • Partner store policies

To use Affirm, select Affirm as your payment method upon checkout. Then, fill in your details and select a payment plan that fits your needs.

Does Target accept Sezzle?

Sezzle is another BNPL provider that offers financing plans for Target shoppers. Their offerings allow users to purchase any product by paying 25% of the total purchase amount at checkout. The rest of the purchase amount can be paid off in 3 installments over 6 weeks.

The good thing about Sezzle is they don’t charge interest. Another benefit is you don’t have to pay any additional fees as long as you make timely payments based on your schedule.

The feature that takes the cake is you can combine gift cards and discounts with your Sezzle purchase upon checkout.

Target accepts Sezzle payments at, in-store, and on the Target app. Shoppers can simply sign up for a Sezzle account and activate their virtual card.

Target PayPal Pay in 4

If you’re a PayPal user, you might already be aware of their financing option. Similar to Sezzle, PayPal allows you to take home purchased items today and pay for them in 4 installments over 6 weeks. There are no late and interest fees as long as you’re prompt with your payments.

However, PayPal isn’t a supported payment method for items sold by Target Plus partners.

Can you use Afterpay at Target?

Afterpay is another BNPL service that you can use for shopping online at and in Target’s physical stores. They too allow users to pay off total purchase amounts in 4 installments over 6 weeks with zero interest.

Afterpay is available as a payment method on However, in-store shopping will require you to add the Afterpay Card to your Apple Pay or Google Pay wallet.

Does Klarna work at Target?

Like some of these BNPLs, Klarna divides your total purchase amount into 4 installments, payable every two weeks. You can use the Klarna app to shop and pay using Klarna’s service or add it as a payment method on

For in-store shopping, you can access the Klarna Card and add it to your Apple Pay wallet.

Zip pay at Target

Zip also offers the same financing plan of 4 installments paid over 6 weeks with a 25% upfront payment. It allows users access to Target products via the Zip app but can also be used in-store via a virtual card that users can store in their Apple Pay or Google Pay wallets.

Wrapping Up

These are the buy now, pay later Target plans you can use.

Overall, it’s great to see the giant retailer teaming up with several BNPL services. With over 1,900 stores in the United States, combining their items with BNPL has made Target and pay later financing much more accessible and useful. Get your shopping list ready and let us know how your online or in-person purchasing experience goes.

Happy shopping!

Why is Klarna not working on Target?

Target does not currently accept Klarna payments at checkout. However you can pay via the Klarna one time card. To do this, open the Klarna app and generate a new Klarna one time card. Once done you will have a new set of card details which can be used to make a purchase on the Target website.