Target buy now pay later apps give you the convenience of shopping for your favorite products now and paying through payment plan providers.
With millions of items, no doubt you will likely find the item of your choice when browsing through the hundreds of categories on Target.
Times could be when you need more funds to check out and with alternatives to using any of your credit card and debit card, you can have the items delivered to you through any of the payment plans for Target.
Target Buy Now Pay Later Apps
Here below are the platforms you can use to buy on Target with payment plans:
Affirm
Max Amount
$20,000
Usage
Direct
Affirm is such a strong player when it comes to BNPL providers for significant stores, for instance using it to shop on Amazon with no stress through its direct payment support.
Just like Amazon, it is one of the Target buy now pay later apps you can use to shop now and pay through a payment plan, and with its presence at Target’s payment gateway, you will not need your app to use it to check out.
You can use Affirm on Target for items that cost $100 and above hence, you might want to look for other alternatives from this list of payment plan providers for Target if the item you want to purchase is less than that value.
Though a feature reserved for high-value items, you can spread the payments into months which comes with a cost nevertheless. There is up to 15% APR or more on such a schedule.
Akin to Klarna, Affirm also provides the option to checkout with a one-time valid virtual and in case you chose not to use your Affirm account directly, you can opt for its virtual card.
It is one of the Target buy now pay later apps that also provide a browser extension hence, you can shop your favourite merchants and spread the payments over time through its browser extension.
Klarna
Max Amount
Varies
Usage
Alternate
With many ways to use it to shop, you can not talk about the best Target buy now pay later apps without mentioning Klarna.
This platform has an intelligent way to buy with payment plans on Target when you are logged in to its app through its in-app shopping functionality.
When you are registered and have accessed your Klarna dashboard, search for Target and you will be able to visit Target’s shopping page through its in-app browser.
If you need to, log in to your target and add items to your cart without leaving the Klarna app interface. At the checkout page, you just need to click the ‘Pay with K’ button usually under your in-app browser.
This action will generate a one-time valid virtual card you can use to check out. You will see the repayment schedules and the first payment is usually due at the point of checking out.
This one-time virtual card generated is tied to your account and Klarna will take charge of the total payment to Target once you check out. Your next payment will be due every two weeks until the sixth week.
One fantastic reason Klarna makes this list of best Target buy now pay later apps is for its browser extension.
Through its browser extension, you do not need to log in to your Klarna mobile app as you only need to install it on your browser and shop Target directly.
Once you are at the checkout page, the browser will pop up an instruction that will enable you to checkout with payment plans on Target through your purchasing power on Klarna.
Zip
Max Amount
$1,000
Usage
Alternate
Zip is another split financing provider you can use to shop on Target with payment plans.
The platform is not available to use directly to use on Target hence, you will have to use features common to many of the Target buy now pay later apps like Klarna, Afterpay, and others.
Using Zip to pay later on Target does not exceed six weeks maximum length and you will also pay back every two weeks with the first payment at checkout.
To get started with using this BNPL provider to make your split payments on Target, you will log in and access the store through your Zip in-app browser.
Search for Target and you will be able to visit the page by clicking it within your Zip app. Browse and shop products and checkout at ease by selecting pay with Zip at the bottom to auto-fill the card details you will use to complete the purchase.
Zip also provides a Chrome extension you can use to shop at Target with payment plans and you can install it for splitting payments while browsing and shopping through your browser.
Afterpay
Max Amount
$1,500
Usage
Alternate
Afterpay is another pay later app you can use for handling purchase payments when shopping at Target.
For its Australian website, you can directly pay with Afterpay but that luxury is not available when shopping at Target USA. Nevertheless, you can still use Afterpay on Target for payment plan purchases through alternative methods.
It works similarly to many of the Target buy now pay later apps that have no direct integration with the platform on this list.
To get started using Afterpay on Target, you will need to create an account and log in to access your purchasing power. After, you can shop Target effortlessly through your in-app browser without leaving your Afterpay app.
Search Target when logged in, visit the shopping page, add items to your cart, and checkout when you are done. At the checkout page, you can select Pay with Afterpay at the bottom and a one-time valid card will be generated for you to use and complete the checkout process.
Just as with others, you will be required to make your first repayment when you are checking out and the others will be spread across a maximum of six weeks.
Sezzle
Max Amount
$1,500
Usage
Alternate
Sezzle is Target’s baby, this is because it is one of the graduates of Target’s Accelerator programs in 2019, an initiative towards start-ups to help them scale their vision.
For a brand much like a member of the family, you cannot have a list of Target buy now pay later apps without mentioning Sezzle.
Though well known to Target, it is not accessible on the payment gateway page rather, you will have to utilise the power of its virtual card to make your purchases.
Once you have created your Sezzle account, simply activate your virtual card and you will be able to shop products on Targets and schedule the repayments on a payment plan.
This card is virtual and you simply need to fill in the details at the checkout page to complete your order. While you are required to complete the repayment within six weeks, the first payment is due at checkout.
Zilch
Max Amount
$1,000
Usage
Alternate
Zilch is one of the Target buy now pay later apps you can use to purchase your favorite items without having to bother paying the full price at once.
Thanks to its virtual card, you can shop with it at almost all shopping platforms where MasterCard is accepted.
This BNPL provider has no direct integration with any partner hence, you will always need your virtual card any time you want to use it, including purchasing with payment plans on Target.
When shopping using this provider, you can decide to pay in full at checkout using your Zilch account, this will earn you a 2% cashback which will be credited to your Zilch Rewards account and will count towards your repayment.
You can also earn more rewards when your friends sign up with your referral ID and make their first purchase using Zilch. A reward is usually valued at one cent, meaning you will need to earn 100 Zilch rewards to get $1.
To use this split payment provider on Target, simply add items to your cart, proceed to the checkout page, and provide your Zilch virtual card information to make payments.
Before actually adding the card information, log in to your Zilch account to unlock the virtual card for debit as it is auto-locked when not in use. Simply visit your dashboard and access the card section to turn it on for shopping.
Laybuy
Max Amount
$1,000
Usage
Alternate
Laybuy is another interesting platform and of the Target buy now pay later apps you can use to shop and split repayment effortlessly.
Just like many payment plan platforms, Laybuy is also tied up with many merchants allowing you to shop effortlessly when checking out directly on many shopping portals.
Though with a huge presence across numerous merchants’ portals, it does not offer direct support for Target hence, you will need to use your virtual card to shop and make payments when shopping on Target.
Its non-interest card is not just valid on Target but can also be used to checkout on thousands of platforms hence, allows you to buy from your favorite merchants and split payments into six installments.
Aside from the virtual card, another good reason you might want to consider using this buy now and pay later provider when shopping on Target is its Boost, a feature that will allow you to spend more than your assigned purchasing power.
While many of the Target buy now pay later apps give you the chance to pay in 4, there is no doubt Laybuy’s pay in 6 brings so much convenience especially when you have other needs to meet within that period.
Payment plans purchase is possible when you are shopping online and with many of the Target buy now pay later apps having different models to enable you to check out seamlessly, scheduling payments for later should not be a problem for you.
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