Does Afterpay Accept Chime

If you’re the ultimate lover of online payments, then you’ve probably heard of both Chime and Afterpay. If you are already using both Chime and Afterpay, can you combine these payment methods? Does Afterpay accept Chime?

Afterpay does accept Chime transactions. You can enjoy different payment methods and the effortless process of adding your Chime card on Afterpay. Using these two platforms is a great option for people who don’t want to lose too many hours on payments.

Afterpay logo on a phone

Check how to effortlessly use Afterpay and Chime platforms together and learn all about the benefits you may enjoy.

Does Afterpay Accept Chime?

Afterpay accepts Chime cards as a payment option, which is a great perk for people who use these payment platforms. If you’ve already activated your Chime card and learned all about deleting recent bank transactions – you probably want to explore other payment possibilities. The Afterpay app is a great way to start off because your Chime account will be accepted.

What Is Afterpay?

When you decide to use an online payment platform, it’s only natural to learn all there is about it. That’s why you surely already know that Chime isn’t a national bank and that there are daily limits on how much money a user can withdraw.

Afterpay was first introduced in 2015 in Australia and has now expanded to Canada, the United States, New Zealand, and Australia. People in the UK, France, and Spain can also use it.

When it comes to Afterpay, it’s important to know that it’s definitely a game changer for people who are looking for convenient and fast payment solutions. Its pay later feature enables online purchases that won’t be immediately charged.

How Does Pay Later Process Work?

Want to pay off your purchases over time? Then you definitely need to check out Afterpay. With this app, you can spread the cost of your purchase into four equal monthly payments. After the initial down payment, you have six weeks to make the remaining payments on your purchase.

A person holding a smartphone

How to Add a Chime Card for Afterpay Payments?

The process of adding a Chime account to the Afterpay app is quite simple. Start with logging into the Afterpay website. Notice that new users have to create their own accounts, and all you need to do is follow a straightforward guide:

  • Go to “My Account,”
  • Select “Payment Methods”
  • Click on the card icon,
  • Add your card,
  • Insert all the required info,
  • Finish with saving everything.

Is There Any Afterpay Fee or Interest to Be Aware Of?

While there is no interest associated with using Afterpay, there is a late fee that may be charged. For customers in the United States, the maximum late fee is 25% of the total cost. There are no fees or penalties for paying off your Afterpay loan early.

With not having to pay any interest rates, it’s quite easy to see why Afterpay has become popular over the years. Although credit cards can allow you to earn cash back or points (notice that a Chime card isn’t a credit card but more like a debit), having to pay an interest rate surely is a big drawback.

Will It Affect Your Credit?

Another perk of using Afterpay is that there won’t be any credit score checks performed. Also, late payments won’t be reported to the credit bureaus. To sum up, using Afterpay won’t have any negative effects on your credit score.

On the other hand, that won’t improve matters either. To establish your credit, it’s probable you’ll need to open a credit card account in your own name or, at the very least, become an authorized user on an existing account.

Using Afterpay – What Are the Pros and Cons?

It’s undeniable that Afterpay has provided customers with a new, convenient way to make purchases over time. It can be a tempting payment option due to its no-interest charges, absence of late penalties for on-time payers, and the wide variety of stores that accept it. Nonetheless, there are several drawbacks to using this service that you should be aware of. This being said, let’s check all the pros and cons of using this platform.

Good alternative for credit cardsHas eligibility requirements
Has an automatic payment modelLate payment fees
It’s not just onlineSpending limit
No interest feesEncourages impulse spending
Immediate use

What Cards Are Accepted?

When it comes to Chime, it’s quite easy to assume that transfer from Chime to Chime is possible. However, many are still not sure where you can load your Chime card and whether Chime does loans. The same goes for Afterpay. But before figuring out this, you should first check what cards are accepted.

Luckily, you can use both debit or credit cards to complete payments with this platform. This means you can use your MasterCard, Visa, and American Express. However, there are some cards that can’t be used – the ones from foreign banks. Also, you won’t be able to link prepaid cards with Afterpay because they aren’t so often linked to bank accounts.

A pile of credit cards

In Which Stores Can You Use Afterpay?

Another great news for US shoppers – Afterpay is accepted by numerous retailers. Moreover, its users can get quite a deal for purchasing with this platform. So, here are some of the places you can pay with Afterpay:

  • Adidas,
  • DSW,
  • Forever 21,
  • Old Navy,
  • American Eagle,
  • Bed Bath and Beyond,
  • Steve Madden,
  • Urban Outfitters,
  • Ulta Beauty,
  • The Children’s Place.

Check In-Store Posts You Can Use Afterpay

Although it’s known more as an online purchasing platform, Afterpay gives its users the possibility to shop in stores, too. Here are some top in-store brands that accept Afterpay:

  • Anthropologie,
  • Pandora,
  • Dick’s Sporting Goods,
  • Chico’s,
  • Vera Bradley,
  • LensCrafters,
  • Lululemon,
  • Michael Kors,
  • REEDs Jewelers,
  • Skechers.

Use All the Benefits of the Buy Now and Pay Later Method With Chime Account

With the popularity of these kinds of apps, it’s quite normal to wonder whether you can link Afterpay with your Chime account. Luckily, you can do it, which means swift payments within just a few minutes.