Does Afterpay Accept Chime?

Does Afterpay accept Chime? So you found those perfect new kicks or that trendy handbag you’ve been eyeing and are ready to check out. 

The only problem is your paycheck hasn’t hit your bank account yet. We’ve all been there. 

Luckily, options like Afterpay let you pay for your must-have items over time with zero interest. 

The question is, does Afterpay accept Chime spending accounts? The good news is that Afterpay accepts Chime and other prepaid cards and accounts. 

What Is Afterpay?

Afterpay is a popular buy now, pay later service. It allows you to purchase items from participating retailers while paying for your goods over time with interest-free installments.

The way Afterpay works is simple. You shop with a retailer that offers Afterpay, pick out your items, and check out as usual. At checkout, select Afterpay as your payment method.

They will then split your total into four equal payments. The first payment is due at the time of purchase; the remaining three installments will be charged to your debit or credit card every two weeks.

Afterpay is free with no interest charges or fees as long as you make on-time payments. However, late fees may apply if you miss a payment.

Afterpay accepts most major debit and credit cards, including Visa, Mastercard, and American Express. 

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Does Afterpay Accept Chime Bank Accounts?

In short, yes, Afterpay does accept Chime bank accounts for payments. Afterpay works with most major banks, including online-only banks like Chime.

Afterpay allows you to pay for purchases over time with four interest-free installments. 

They accept payments from Chime’s Visa debit cards, allowing you to split your purchase into four payments every two weeks.

To qualify for Afterpay, there are specific criteria that you need to meet. First, you must be at least 18 years old, except if you live in Alabama or are a ward of Nebraska, you must be 19.

You must also be a resident of the United States or live in the country and have a valid delivery address.

In addition, you must be authorized to use the credit or debit card you choose to link with Afterpay.

To use Afterpay with your Chime account:

1. Shop at one of the many Afterpay retailers, like Urban Outfitters, Sephora, or Anthropologie.
2. At checkout, choose the Afterpay payment option. This will prompt you to enter your Chime Visa debit card number to pay the first installment.
3. Your first payment is taken immediately. The remaining three installments will be automatically deducted from your Chime account every two weeks over the next six weeks.
4. Afterpay will send you payment reminders before each installment is deducted so you know how much and when payments will be taken.
5. If you need to update your payment method or have questions about your order, you can contact Afterpay’s customer service team for help. They have agents available 24/7 to assist Chime members.

How to Add the Chime Debit Card to Afterpay

To add your Chime debit card to Afterpay, follow these steps:

1. Log in to the Afterpay website. If you are a new user, create a new account by following the simple steps.
2. Once logged in, go to “My Account” (you will see an icon of a person) and locate the “Payment Methods” section.
3. In the Payment Methods section, you will find the registered cards and an option to add a new card.
4. Click on the option to add a new card. The fields will prompt you to enter the required information for your card, including the card number and other details.
5. Double-check that all the information you have entered is accurate to avoid any potential rejections. When you are finished, click “save.”

After successfully adding your Chime debit card to Afterpay, you can now use your Chime account to pay for your Afterpay products.

Alternative Options if Afterpay Declines Your Chime Account

If Afterpay declines your Chime account, don’t worry, there are other options for using buy now, pay later services.

1. PayPal Credit

PayPal Credit, formerly Bill Me Later, is a popular buy now, pay later option. With PayPal Credit, you can pay for purchases between $99 to $10,000 over 6 months with no interest if paid in full. 

PayPal Credit uses your account, so if you have one set up already, you’re good to go.

You can use PayPal Credit anywhere PayPal is accepted, including many major retailers.

2.  Sezzle

Sezzle is another interest-free installment payment service. With Sezzle, you pay for your purchases over 4 interest-free payments, two weeks apart. 

They charge no set-up fees or prepayment penalties. To qualify for Sezzle, you’ll need a debit or credit card, a mobile phone, and an email address. 

Sezzle works with over 10,000 retailers, including Target, Lowe’s, and Bed Bath & Beyond.

3. Affirm

Affirm is a popular buy now, pay later option that allows you to split up purchases into 3, 6, or 12-month installment payments.

Interest rates range from 0-30% APR based on your credit. Affirm works with over 6,500 retailers like Walmart, Expedia, and Houzz. 

To use Affirm, you’ll need to go through a quick approval process by entering personal information like your name, address, and last 4 digits of your social security number.

4. Klarna

Klarna is another installment payment option that lets you pay for your purchases over time with their “Slice It” and “Pay Later” products. 

With Klarna, you can split payments into 4 installments every 2 weeks or take 30-60 days to pay with no interest.

Klarna works with major retailers like ASOS, Abercrombie & Fitch, and Sephora. To use Klarna, you’ll go through an approval process by entering personal details like your name, address, and credit or debit card info.

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Conclusion

Using Afterpay with your Chime account is a simple way to pay for what you want over time without worrying about interest charges. 

If you make the scheduled payments, you can immediately enjoy your purchase while paying installments from your Chime account.

A service like Afterpay allows you to get what you want today while paying for it over time. 

And with many popular stores offering Afterpay at checkout, it’s an easy way to budget your spending and avoid interest charges on the things you need.