How To Use Afterpay On Old Navy

How to use Afterpay on Old Navy online

You can use Afterpay on Old Navy by selecting it as your payment method at online checkout or by setting up the Afterpay Card in the app for in-store contactless payments. The entire process takes just a few minutes, and your purchase is automatically split into four interest-free payments with the first one due immediately. If you prefer to shop peer-to-peer, you can also use Afterpay on Cash App for similar installment flexibility, and you can even book your next vacation through travel sites that use Afterpay.

1. Shop the Old Navy website or mobile app as you normally would, adding items to your cart.
2. Proceed to checkout and enter your shipping and contact information.
3. Choose "Afterpay" from the available payment options on the payment screen.
4. Log in to your existing Afterpay account, or complete the quick registration if you are a first-time user. Registration requires your email, a password, and your personal details.
5. Select the debit or credit card you want to use for the installment payments. Afterpay accepts US-issued Visa, Mastercard, and American Express cards, as well as US checking accounts.
6. Review your order total. Afterpay automatically divides the amount into four equal installments, and the first payment is charged immediately at checkout.
7. Confirm your order. Old Navy processes and ships your purchase right away, while the remaining three payments are scheduled automatically.

How to use Afterpay in Old Navy stores

Using Afterpay in a physical Old Navy store requires the Afterpay app and a smartphone with contactless payment capability. The in-store method lets you pay with your phone instead of a physical card, which is especially useful when you want to split a purchase while shopping in person.

1. Download the Afterpay app from the App Store or Google Play on your smartphone.
2. Open the app and create an account or log in if you already have one.
3. Follow the in-app instructions to set up the Afterpay Card. This is a virtual card that links to your Afterpay account, and eligibility depends on factors such as your ID verification status, customer history, and repayment history. Soft credit checks may be involved.
4. Once the Afterpay Card is active, add it to Apple Pay or Google Pay on your smartphone by following the wallet app's instructions.
5. At the Old Navy store, when you are ready to pay, hold your phone near the contactless payment terminal.
6. Select the Afterpay Card in your wallet and authenticate with Face ID, Touch ID, or your passcode.
7. Complete the contactless transaction. Afterpay splits the purchase into four installments, with the first payment deducted immediately from your linked payment method.

Eligibility and requirements

To use Afterpay on Old Navy, you must meet Afterpay's eligibility criteria, which are designed to ensure you can manage the installment payments responsibly. The requirements are straightforward, and approval is determined per order rather than as a one-time approval for all future purchases.

• You must be at least 18 years old.
• You must be a resident of the United States, including all 50 states or the District of Columbia.
• You must be capable of entering into a legally binding contract.
• You need a valid email address and a valid mobile number.
• You must have an accepted payment method: a US-issued Visa, Mastercard, or American Express card, or a US checking account.
• Afterpay performs an approval process for each transaction. This process considers factors like your available spend limit and your history of on-time payments.
• Your Afterpay spend limit starts low and may increase over time as you make consistent on-time payments. The limit is dynamic, so it can change based on your repayment behavior and other factors.

Afterpay payment schedule and fees

Understanding the payment schedule helps you plan your budget when you use Afterpay on Old Navy. The structure is consistent across all purchases, and fees only apply if you miss a scheduled payment.

• Your total purchase amount is divided into four equal installments.
• Payments are due every two weeks, which means the full balance is paid over six weeks total.
• The first installment is due at the time of purchase, whether you are shopping online or in-store.
• The remaining three installments are automatically deducted from your nominated debit or credit card approximately every two weeks.
• There are no fees when you pay on time for Pay in 4 orders. No interest is ever charged, and there are no upfront costs.
• If you miss a payment, late fees may apply. The exact amount depends on your order total and your payment history.
• Your Afterpay account may be paused if you miss a payment. The pause remains in effect until you bring your account back on track by making the overdue payment.

Managing your Old Navy Afterpay purchases

Afterpay handles most of the payment management automatically, but there are a few actions you can take to stay in control. Knowing how returns and early payments work ensures you are never caught off guard.

• Payments are automatically deducted from your linked card or checking account on the scheduled due dates, so you do not need to manually submit each installment.
• Afterpay sends email and SMS reminders before each payment is due. These reminders include the due date and the amount that will be charged.
• You can log into your Afterpay account at any time to view your payment history, upcoming due dates, and remaining balance for each order.
• Early payoff is allowed without any penalties. You can make additional payments or clear the entire remaining balance ahead of schedule directly from the Afterpay app or website.
• Returns for items purchased with Afterpay follow Old Navy's standard return policy. If you qualify for a refund, the initial payment you made at the time of purchase is refunded to your original payment method, and any future scheduled payments are canceled.
• If you need to change your linked payment method before a due date, you can do so in your Afterpay account settings. This is useful if your card expires or is replaced.
• Afterpay also works at other stores that accept Afterpay, so the same account and payment schedule apply across multiple retailers. This makes it easy to manage all your installment purchases in one place.