Cash App Buy Now Pay Later Feature: Everything You Need to Know

Written By Shalini Kapoor
Reviewed by Daisy Martinez
Last update:
Our site offers educational and informational content only, not professional financial advice. Consulting a financial advisor about your particular circumstances is best.

In recent years, Cash App buy now pay later feature has gained a lot of popularity. It has added a Buy Now Pay Later (BNPL) feature that allows users to make purchases without immediate payment.

Cash App is a popular peer-to-peer payment app that offers a variety of features. Cash App is a financial platform, not a bank. Cash App’s bank partners provide banking services. 

In this article, we will take a closer look at Cash App’s BNPL feature. 


What is Cash App’s Buy Now Pay Later?

From its name, you can guess about the feature. 

Yes, you are right. You can buy instantly and pay later with this feature of the Cash app. But, there are some conditions for it… Let’s discuss the cash app’s buy now pay later feature in detail below…

Cash App has an Afterpay Shopping feature that lets you buy and pay for things later. It’s like a credit line. You can get what you want even if you don’t have the money right now. Cash App pays the store for you, and you pay Cash App back later.

You can split your payment into four parts. You pay the first part when you buy something. The rest is taken from your Cash App wallet every two weeks. 

You can use Cash App to find stores that take Afterpay and to see your Afterpay payments and orders.

How to Use Cash App’s Buy Now Pay Later?

When you buy something with Cash App, you can choose to pay later. Cash App checks if you can use this feature. If you can, you don’t have to pay right away. You pay later, but there might be interest or fees.

Using Cash App buy now pay later feature is a simple and easy process. Here’s a step-by-step guide on how to utilize it effectively:

1. At first, open the Cash App on your phone.

2. Then, tap on the Discover icon, which looks like a magnifying glass, located on the Home tab or home screen.

3. After that, in the Discover tab, you will find the Afterpay Merchant Carousel. Tap on it to access the Afterpay shop hub.

4. Then, browse through the listings on Afterpay and choose the store where you want to use Afterpay in combination with Cash App.

5. Remember, as long as the store is listed there and you are signed in and verified, you will be able to use Afterpay for your purchases.

Inside the app, you can manage,

  • Your Afterpay purchases,
  • Search Afterpay merchants and
  • Checkout with them,
  • View your Afterpay order and payment information,
  • Make Afterpay payments,
  • Update your Afterpay payment schedule, and
  • Dispute an Afterpay purchase.

Where Can I Use Cash App’s Buy Now Pay Later?

In Cash App, you can search for and checkout with Afterpay merchants. Walmart, Target, Forever 21, Amazon, and Lululemon are examples of cash app buy now pay later stores. Customers of Cash App only need to choose the Cash App payments option to make online or offline payments. Then they should proceed to pay using the retailer’s $Cashtag.

This is currently only available at select locations and merchants and only for purchases ranging from $35 to $500.

The aforementioned list merely scratches the surface, as the number of cash app buy now pay later merchants continues to expand. It is important to note that the availability of Cash App’s Afterpay shopping may vary from store to store. From your end, you must ensure the merchant’s approval.

Benefits and Considerations of Using Cash App’s Buy Now Pay Later Feature

Here are some of the benefits and considerations of using the Cash app’s buy now pay later feature:

Unrivaled Flexibility

The Cash App’s Afterpay shopping allows users to make purchases even when immediate funds are not available. It enables people to obtain desired items without having to resort to payment delays or alternative payment methods.


With Cash App’s Buy Now Pay Later feature, users can complete their purchases within the app itself. The time-consuming process of applying for a traditional credit card or loan has been rendered obsolete. The Cash App platform streamlines and makes the entire process accessible.

Effective Budget Management

This feature is extremely useful for users looking for effective budget management. It allows payments to be spread out over a set period of time, allowing for large purchases without putting undue strain on personal finances.

Credit History Improvement

Cash App’s Buy Now Pay Later feature is an excellent opportunity for those looking to establish or improve their credit history. Users can demonstrate responsible credit behavior by making timely payments, which can have a positive impact on their credit scores.

Key Considerations When Utilizing Cash App’s Buy Now Pay Later Feature

Now, we will discuss the key considerations when utilizing the Cash app’s buy now pay later feature: 

Interest and Fees

We will suggest you to be aware of the potential interest charges or fees associated with Cash App’s Buy Now Pay Later feature. Prior to using this choice, it is important to review and comprehend the specific financial implications carefully.

Repayment Responsibility

You should also have the ability to meet the deferred payment deadline. Make timely payments to avoid late fees, penalties, or even harm to one’s credit history. Prudent budgeting and meticulous planning are essential to avoid any adverse financial consequences.

Eligibility Criteria

The Buy Now Pay Later feature’s eligibility is based on various factors, including account history and transaction patterns. 

For instance, Users must be over 18 to avail of this feature. It is crucial to comprehend the requirements and limitations stipulated by Cash App, as not all users may qualify for this feature.

Merchant Acceptance

While Cash App’s Buy Now Pay Later is widely accepted, it is advisable to verify whether a specific store or online retailer acknowledges this payment option. The availability of this feature may vary across merchants. So our suggestion to you will be to make sure, before buying anything, you confirm with the merchant about the useability of this feature in the specific store. 

Other buy now pay later apps

In addition to Cash App, numerous other applications offer buy now, pay later services, presenting users with an array of alternatives. Here are a few popular examples:


Klarna is a company from Sweden. It lets you buy things now and pay for them later. It started in 2005 and is used in more than 20 countries. Klarna has many users and works with many stores. You can choose to pay in 30 days or in four parts.


Affirm lets you buy things now and pay for them later. You can pay in four parts every two weeks without interest. Or you can choose a longer plan. Affirm tells you how much you’ll pay before you buy, and the amount won’t change.


You can use Quadpay to buy things at stores that take Visa. You have to spend at least $35. Quadpay checks if you can use it. It’s like Klarna and Afterpay It is a new payment platform similar to Klarna and Afterpay.


Sezzle lets you buy things now and pay for them later. You pay in four parts every two weeks. There’s no interest if you pay on time. You can use Sezzle at stores like Target, Forever 21, and Urban Outfitters.

Do you know the distinctions between Cashapp and other BNPL apps? Now, we will summarize the description in brief: 

Cash App doesn’t charge interest if you pay in four parts. Credit cards charge more. So you can save money with Cash App. You don’t need good credit to use Afterpay. 

You can get approved fast and buy things right away. You pay in small parts without interest if you pay on time. This helps you plan your spending and avoid debt. If you’re late, Cash App charges $7. That’s less than Klarna, which charges $10.

Tips for using buy now pay later apps responsibly:

We will suggest you to be responsible to avoid potential financial difficulties while using this app. For instance, if using this feature, if you buy a lot of things that you don’t have the ability to pay later, it will get you into big financial trouble. 

To save you from this kind of situation, we prepared for you some tips that you can use. The following tips will assist you in utilizing the buy now pay later apps responsibly:

Adhere to a Budget

Use this app only for purchases that you can afford to repay. Before purchasing, we will suggest you make sure that future installment payments align with your financial means.

Keep Track of Installments

Do you know how important it is to keep track of installments? For instance, if you forget to pay installments on time, the interest will add as long as you are not paying those specific installments. 

Our suggestion to you is to maintain a comprehensive record of upcoming payments to prevent missed deadlines or late fees.

Exercise Spending Restraint

There is a saying in English, “Cut your coat according to your cloth.” We will suggest you to strictly adhere to this principle. 

Apart from that, we will also suggest you avoid using multiple Buy Now Pay Later apps at once. 

We believe that following the above-mentioned tips will help you to be more responsible in using the buy now pay later feature option. 

Frequently Asked Questions (FAQs)

Can I utilize Cash App’s Buy Now Pay Later feature for any purchase?

Not all purchases are eligible for the Buy Now Pay Later feature. Please verify its availability with the specific merchant.

How can I set up Afterpay for Cash App?

You can set it up after paying using the Cash App login information. The two conditions that should be met are,

1. You used Cash App to make an Afterpay purchase

2. You don’t already have an Afterpay account.

Can I change the due date of payment?

Yes, you can change the due date of payment in the Cash App. However, please note that in some cases, changing the payment date may not be available. This can occur for various reasons. Such as:

  • For certain purchases,
  • The first or last payments,
  • Overdue or
  • Payments are due within 24 hours,
  • Brand new customers, or
  • Hardship in repayment arrangements.

Can I pay Afterpay early?

You have the option of paying off your Afterpay balances early. This will not save you anything because you will not be charged interest. 

However, settling early will get you out of debt faster and reduce your chances of having to pay the late fee.

Can I use Afterpay to pay bills?

Through the platform’s payment plan, ‘Afterpay Metro,’ you can set up certain debit transactions to $200.

Does this app have a get cash now pay later option?

No, this app doesn’t support customers directly giving cash. As we have discussed, customers can pay their bills through this app only in the approved merchant’s store. So, get cash now pay later is not supported in the Cash app. 


At last, we will say that Cash App’s Afterpay feature offers you a flexible way to make purchases. 

Afterpay’s buy now pay later feature has become an easy choice among its competitors because of its user-friendliness.

So, our suggestion to you will be, “If you’re seeking a more affordable solution to make purchases with flexible payment options, Cash App is an excellent choice. Also, don’t forget to use this feature of the app responsibly.”

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Shalini Kapoor is a dedicated financial writer and editor at Currently pursuing her Master's in Accounting, she possesses a unique blend of academic rigor and practical insight into personal finance. Shalini is fervent about empowering individuals with actionable financial advice, grounded in her in-depth studies and natural flair for simplifying complex topics. As an editor, she ensures every piece of content meets the highest standards of accuracy and relevance. With a passion for continuous learning, Shalini is not just sharing knowledge but also constantly expanding her own, to benefit the readers of

Content Disclaimer: Our site offers educational and informational content only, not professional financial advice. Consulting a financial advisor about your particular circumstances is best.

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