Your Guide to Target 'Buy Now, Pay Later' Options

Shoppers can use Sezzle or Affirm to pay for a variety of purchases at their own pace and stay on budget.
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Every Target shopper knows you can find a little bit of everything at the bull's-eye retailer — whether you're looking for it or not. Far too many of us have gone in for just a couple of items and left with a cartful of bargains that were too good to pass up.

Now Target is making it easier for shoppers to take those epic shopping trips while still staying on budget and paying at a pace that works for them — all without having to wait to receive the products they need and want. Check out our breakdown of the new options for Target "buy now, pay later," and get ready to shop even smarter. Then see the rest of our Target coverage, so you can learn how to shop for Apple items at the store, what the can't-miss Target brands are, and other helpful info.

Your Guide to Target 'Buy Now, Pay Later' Options

What Is Target Buy Now, Pay Later?

Target buy now, pay later is a new method of making payments that the retailer has embraced. It helps shoppers stay on budget and "pay at a pace that works well for [them]," according to the company. Essentially, Target has partnered with Affirm and Sezzle to offer alternative payment methods for shoppers who may not want — or have the ability — to go the traditional route of debit or credit cards.

You can shop in-store at Target using the Sezzle Virtual Card, which lets you purchase items via Google Pay and Apple Pay.

We've already written about the buy now, pay later sites that are worth checking out, but the rundown is that these sites typically let shoppers make a partial payment at the time of purchase, receive their items right away, and then pay off the remainder in three installments over the following six weeks. Target is offering two of these buy now, pay later options, though for different shopping circumstances. Read on to see which one is best for you.

How Do You Use Sezzle at Target?

Sezzle allows shoppers to split each purchase into four interest-free payments to be paid over six weeks. There are no fees as long as you pay off your purchase on time, and to get started, you just have to apply with Sezzle. Then you can shop on or through the Target app; at checkout, simply use the Sezzle Virtual Card as your payment method.

Even better is that you can use Sezzle with same-day services. These include Drive Up, Order Pickup, and even same-day delivery via Shipt. Prefer to shop in-store? Target has you covered there, too — you can use the Sezzle Virtual Card for payment with services like Google Pay and Apple Pay.

How Can You Pay via Affirm at Target?

If you want to shop with Affirm at Target, know that the circumstances are slightly different. This option is for big-ticket purchases over $100, and it allows you to "pay at your own pace with monthly payments," according to the retailer.

SEE ALSO: The 5 Best 'Buy Now, Pay Later' Sites to Check Out

You'll have to apply with Affirm in order to get started, much like you'd need to apply with Sezzle. What's different is that if you're paying with Affirm, you'll only be able to do so by shopping online at Then during checkout, you can choose Affirm as your payment method; you'll also be prompted to choose a monthly payment schedule. The great news is that you'll never have to pay more than you agree to at checkout — "Affirm doesn't charge any late or hidden fees," Target states.

Is Target Buy Now, Pay Later Available Year-Round?

While Target has introduced Sezzle and Affirm just in time for the holidays, it notes in its press release that these options are ideal for shoppers all year long. That means you'll be able to stick to your budget any time you shop, whether you're looking for new clothes for the kids just in time for school, patio furniture to upgrade your backyard, or the latest Apple devices.

Other Tips for Shopping at Target

There are a number of ways to save at Target, but the easiest one has to be joining Target Circle. This is the retailer's loyalty program, and signing up is free. You'll routinely see 500 or more Circle offers every week that are split into a wide range of categories, including adult beverages, apparel, baby, beauty, food, health, holiday, home, household supplies, pets, tech and entertainment, and toys and sports.

Target Circle has a special section titled 'For You,' which is full of offers tailored to your shopping habits.

In addition to all those categories, you'll also see a special section titled "For You." It's full of offers that Target has identified as being of potential interest and tailored to your shopping habits. When you first join, you might not see any offers in this section, but that's just because Target doesn't have an idea of your shopping habits yet. Once you've saved some Circle offers, you'll begin to see this section populated every week.

Want to start shopping? Check out the Target sales and deals available now!

Julie Ramhold
Senior Staff Writer/Consumer Analyst

Julie's work has been featured on CNBC, GoBankingRates, Kiplinger, Marketwatch, Money, The New York Times, Real Simple, US News, WaPo, WSJ, Yahoo!, and more. She's extolled the virtues of DealNews in interviews with Cheddar TV, GMA, various podcasts, and affiliates across the United States, plus one in Canada.
DealNews may be compensated by companies mentioned in this article. Please note that, although prices sometimes fluctuate or expire unexpectedly, all products and deals mentioned in this feature were available at the lowest total price we could find at the time of publication (unless otherwise specified).


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