Does Dick’s Sporting Goods Accept Afterpay in Store

Dick’s Sporting Goods does not currently accept Afterpay for in-store purchases. However, you can use Afterpay when shopping online through their website or mobile app. This guide covers all payment methods, alternatives, and tips to help you shop at Dick’s with flexibility and confidence.

Key Takeaways

• Afterpay is not accepted in Dick’s Sporting Goods stores: You cannot split your in-store purchase into four payments using Afterpay at physical locations.
• Afterpay is available for online orders: Shoppers can use Afterpay at checkout on the Dick’s Sporting Goods website or app.
• Afterpay works through a digital account: You must create an Afterpay account and link a debit or credit card to use the service.
• Other buy now, pay later options may be available: While Afterpay isn’t in-store, services like Klarna or Affirm might be offered online.
• Traditional payment methods are accepted in-store: Credit cards, debit cards, gift cards, and cash are all valid at Dick’s Sporting Goods locations.
• Check for promotions and financing: Dick’s occasionally offers special financing through their private label credit card, which can be used in-store and online.
• Always verify current policies: Payment options can change, so it’s best to check Dick’s official website or contact customer service for the latest info.

Quick Answers to Common Questions

Can I use Afterpay at Dick’s Sporting Goods in-store?

No, Afterpay is not accepted for in-store purchases at Dick’s Sporting Goods locations.

Can I use Afterpay online at Dick’s?

Yes, Afterpay is available as a payment option when shopping on the Dick’s Sporting Goods website or mobile app.

How do I use Afterpay at Dick’s online?

Add items to your cart, proceed to checkout, select Afterpay as your payment method, log in or create an account, and confirm your order.

What are the alternatives to Afterpay in-store?

You can use credit cards, debit cards, gift cards, cash, or the Dick’s Sporting Goods credit card, which offers special financing.

Can I buy online with Afterpay and pick up in-store?

Yes, you can use Afterpay for online orders and choose in-store pickup at many Dick’s locations.

Does Dick’s Sporting Goods Accept Afterpay in Store?

If you’re a fan of Dick’s Sporting Goods and love the convenience of buy now, pay later (BNPL) services like Afterpay, you might be wondering: Can I use Afterpay when I walk into a Dick’s store? The short answer is no — at least not yet. While Afterpay is a popular payment option for many retailers, Dick’s Sporting Goods currently does not accept Afterpay for in-store purchases. However, that doesn’t mean you’re out of luck. There are still ways to use Afterpay when shopping with Dick’s — just not in the physical stores.

This article will walk you through everything you need to know about using Afterpay at Dick’s Sporting Goods, including where it’s accepted, how it works, and what alternatives you have if you’re shopping in person. Whether you’re gearing up for a new fitness routine, buying team uniforms, or shopping for outdoor adventures, understanding your payment options can help you make smarter, more flexible purchases.

Let’s dive into the details so you can shop with confidence — whether you’re online or in-store.

What Is Afterpay and How Does It Work?

Before we get into whether Dick’s accepts Afterpay, it helps to understand what Afterpay actually is. Afterpay is a buy now, pay later service that allows consumers to split their purchase into four equal, interest-free installments. You pay the first installment at checkout, and the remaining three are automatically charged every two weeks.

For example, if you buy a $200 pair of running shoes, you’ll pay $50 upfront and then $50 every two weeks until the balance is paid off. There’s no interest as long as you make your payments on time. Late fees may apply if you miss a payment, but the core idea is to make big-ticket items more affordable without racking up debt.

Afterpay is widely used by online retailers like ASOS, Ulta Beauty, and Nike. It’s especially popular among younger shoppers who want flexibility without committing to a credit card. The service is free to use if you pay on time, and it doesn’t require a credit check — just a valid debit or credit card and a U.S. address.

To use Afterpay, you need to create an account on their website or app, link a payment method, and then select Afterpay at checkout when shopping with a participating retailer. The approval process is instant, and you’ll know right away if you’re eligible.

Afterpay at Dick’s Sporting Goods: Online vs. In-Store

Now, let’s get to the heart of the question: Can you use Afterpay at Dick’s Sporting Goods?

The answer depends on where you’re shopping.

Afterpay Is Available Online

Yes — you can use Afterpay when shopping on the Dick’s Sporting Goods website or mobile app. This means if you’re browsing for new basketball shoes, a yoga mat, or camping gear from the comfort of your couch, Afterpay is a viable payment option.

Here’s how it works:

1. Add your items to your cart on dicks.com or the Dick’s app.
2. Proceed to checkout.
3. When selecting a payment method, choose Afterpay.
4. You’ll be redirected to the Afterpay site to log in or create an account.
5. After approval, your order is confirmed, and you pay the first installment.
6. The remaining three payments are automatically deducted every two weeks.

This process is seamless and secure. Dick’s integrates Afterpay directly into their checkout flow, so there’s no extra hassle. Plus, you can still take advantage of online-only promotions, free shipping offers, and digital coupons.

Afterpay Is Not Accepted In-Store

Unfortunately, if you walk into a Dick’s Sporting Goods store — whether it’s in Chicago, Atlanta, or Los Angeles — you won’t be able to use Afterpay at the register. The service is not supported for in-person transactions at this time.

This is a common limitation with many BNPL services. While online integration is relatively easy, in-store systems require additional hardware, software updates, and staff training. Most retailers that offer Afterpay in-store are smaller chains or boutiques with more flexible payment systems.

Dick’s Sporting Goods has over 850 locations across the U.S., and their point-of-sale systems are designed for traditional payment methods. Until they announce a partnership with Afterpay for in-store use, you’ll need to rely on other options when shopping in person.

Why Doesn’t Dick’s Accept Afterpay In-Store?

You might be wondering why a major retailer like Dick’s hasn’t adopted Afterpay for in-store purchases. There are several reasons, both logistical and strategic.

Technical and Operational Challenges

Implementing Afterpay in physical stores requires more than just flipping a switch. Retailers need to upgrade their POS (point-of-sale) systems to support BNPL integrations. This includes software updates, staff training, and coordination with Afterpay’s technical team.

For a company with hundreds of stores, this is a significant undertaking. It’s not just about accepting the payment — it’s about ensuring the entire process is smooth, secure, and consistent across all locations. Mistakes or delays could lead to frustrated customers and lost sales.

Focus on Core Payment Methods

Dick’s Sporting Goods already accepts a wide range of payment options in-store, including:

– Credit cards (Visa, Mastercard, American Express, Discover)
– Debit cards
– Dick’s Sporting Goods gift cards
– Cash
– Dick’s private label credit card (which offers special financing)

These methods cover the vast majority of customer needs. Adding Afterpay would be a nice-to-have, but not necessarily a game-changer for in-store shopping.

Strategic Partnerships and Priorities

Retailers often prioritize partnerships that align with their business goals. Dick’s may be focusing on expanding their private label credit card program, which offers 0% APR financing for qualified buyers on larger purchases. This gives them more control over the customer experience and builds brand loyalty.

Additionally, Dick’s has been investing heavily in their e-commerce platform, omnichannel services (like buy online, pick up in-store), and mobile app features. These digital initiatives may take precedence over in-store BNPL integrations.

Customer Demand and Market Trends

While Afterpay is popular, it’s not universally demanded — especially in the sporting goods category. Many customers shopping for athletic gear are making planned purchases and may not need to split payments. Others prefer using rewards credit cards to earn points or cash back.

That said, demand for flexible payment options is growing. As younger consumers become a larger share of the market, retailers like Dick’s may reconsider their stance on in-store BNPL services.

Alternative Payment Options at Dick’s Sporting Goods

Just because Afterpay isn’t available in-store doesn’t mean you’re stuck. Dick’s offers several other ways to pay — some of which provide similar flexibility.

Dick’s Sporting Goods Credit Card

One of the best alternatives is the Dick’s Sporting Goods credit card, issued by Synchrony Bank. This card offers special financing options, including:

– 0% APR for 6, 12, or 18 months on qualifying purchases (terms vary)
– Exclusive discounts and early access to sales
– Rewards points on every purchase

For example, if you buy a $600 treadmill, you could pay it off over 12 months with no interest — similar to Afterpay, but with more flexibility. Just be sure to pay off the balance before the promotional period ends to avoid deferred interest.

You can apply for the card in-store or online. Approval is quick, and you can use it immediately upon approval.

Gift Cards and Prepaid Cards

Another option is to use a Dick’s gift card. You can purchase gift cards with a credit or debit card and then use them in-store or online. This lets you “prepay” for your purchases and avoid using your card directly.

Some customers also use prepaid Visa or Mastercard gift cards loaded with a set amount. These can be a good way to budget for big purchases without overspending.

Traditional Credit and Debit Cards

Of course, standard credit and debit cards are always accepted. If you have a rewards card, you can earn points, miles, or cash back on your Dick’s purchases. Just be mindful of your credit utilization and pay off your balance to avoid interest.

Buy Online, Pick Up In-Store (BOPIS)

Here’s a smart workaround: Use Afterpay online, then pick up your items in-store.

Many Dick’s locations offer buy online, pick up in-store service. You can shop on dicks.com, select Afterpay at checkout, and choose your local store for pickup. Once your order is ready, you’ll get a notification and can collect your items without paying anything extra.

This gives you the best of both worlds — the flexibility of Afterpay and the convenience of in-store pickup. You can try on shoes, check gear, or ask staff questions before taking your items home.

How to Use Afterpay Online at Dick’s Sporting Goods

If you’re ready to use Afterpay for your next Dick’s purchase, here’s a step-by-step guide to make it easy.

Step 1: Shop on dicks.com or the Mobile App

Start by browsing the Dick’s Sporting Goods website or downloading their app (available on iOS and Android). The app offers a smooth shopping experience with personalized recommendations, exclusive deals, and easy checkout.

Step 2: Add Items to Your Cart

Whether you’re looking for running shoes, golf clubs, or workout clothes, add your desired items to your cart. You can filter by size, color, brand, and price to find exactly what you need.

Step 3: Proceed to Checkout

Once you’re ready to buy, click the cart icon and select “Checkout.” You’ll be asked to enter your shipping and billing information. If you have a Dick’s account, you can log in to save time.

Step 4: Choose Afterpay as Your Payment Method

At the payment step, look for the Afterpay option. It’s usually listed alongside credit cards, PayPal, and gift cards. Click on it to proceed.

Step 5: Log In or Create an Afterpay Account

If you already have an Afterpay account, log in with your email and password. If not, you’ll need to create one. You’ll provide your name, email, phone number, and link a debit or credit card.

Step 6: Confirm Your Order

Afterpay will instantly approve or decline your request. If approved, your order is confirmed, and you’ll pay the first installment immediately. The remaining three payments will be automatically charged every two weeks.

Step 7: Track Your Payments

You can manage your Afterpay account online or through the Afterpay app. You’ll receive email and text reminders before each payment is due. You can also change your payment method or update your info if needed.

Tips for Using Afterpay Responsibly

While Afterpay is a great tool, it’s important to use it wisely. Here are some tips to avoid financial pitfalls:

Budget for Each Payment

Even though the payments are small, they can add up. Make sure you have enough in your bank account to cover each installment. Missing a payment can result in late fees and affect your ability to use Afterpay in the future.

Avoid Multiple BNPL Accounts

It’s easy to get carried away with buy now, pay later services. But using Afterpay, Klarna, Affirm, and others at the same time can lead to overspending. Stick to one or two services and track your total debt.

Read the Fine Print

Always check the terms and conditions. While Afterpay is interest-free, other BNPL services may charge fees or interest. Make sure you understand the repayment schedule and any penalties.

Use It for Planned Purchases

Afterpay works best for items you were already planning to buy. Don’t use it to impulse shop. Ask yourself: “Do I really need this?” and “Can I afford the payments?”

Monitor Your Credit

Afterpay doesn’t perform a hard credit check, so it won’t affect your credit score directly. However, if you miss payments and the account goes to collections, it could impact your credit. Stay on top of your payments to avoid issues.

Future Possibilities: Will Dick’s Accept Afterpay In-Store?

While Dick’s doesn’t currently accept Afterpay in-store, the retail landscape is always evolving. As BNPL services become more mainstream, it’s possible that Dick’s could adopt Afterpay for in-person purchases in the future.

Several major retailers — including Target, Walmart, and Best Buy — have started testing or rolling out BNPL options in-store. These companies see the value in offering flexible payment methods to attract younger shoppers and increase average order values.

If customer demand grows, Dick’s may follow suit. They could partner with Afterpay, Klarna, or another provider to offer in-store installment payments. This would be especially useful for high-ticket items like treadmills, golf clubs, or team uniforms.

In the meantime, keep an eye on Dick’s official website and social media channels for updates. You can also contact customer service to express your interest in in-store Afterpay — feedback from customers often influences business decisions.

Conclusion

So, does Dick’s Sporting Goods accept Afterpay in store? The answer is no — not at this time. However, you can still use Afterpay when shopping online through their website or app. This gives you the flexibility to split your payments into four interest-free installments, making it easier to afford the gear you need.

For in-store shoppers, traditional payment methods like credit cards, debit cards, gift cards, and the Dick’s credit card are your best options. And if you want the benefits of Afterpay with the convenience of in-store pickup, consider using the buy online, pick up in-store service.

While it would be great to see Afterpay accepted in physical stores, Dick’s continues to offer a range of payment solutions to meet customer needs. By understanding your options and shopping smart, you can enjoy everything Dick’s has to offer — whether you’re online or in the store.

Frequently Asked Questions

Does Dick’s Sporting Goods accept Afterpay in-store?

No, Dick’s Sporting Goods does not currently accept Afterpay for in-store purchases. The service is only available for online orders.

Is Afterpay available on the Dick’s Sporting Goods app?

Yes, you can use Afterpay when shopping through the Dick’s Sporting Goods mobile app, just like on the website.

Are there any fees for using Afterpay at Dick’s?

Afterpay is free to use if you make all payments on time. Late fees may apply if you miss a payment.

Can I return items bought with Afterpay?

Yes, you can return items purchased with Afterpay following Dick’s standard return policy. Refunds will be processed back to your Afterpay account.

What happens if I miss an Afterpay payment?

If you miss a payment, Afterpay may charge a late fee, and your account could be suspended. It’s important to pay on time to avoid penalties.

Does Dick’s offer any financing options in-store?

Yes, the Dick’s Sporting Goods credit card offers special financing with 0% APR on qualifying purchases, available in-store and online.