Does Dick’s Sporting Goods Take Afterpay in Store

Dick’s Sporting Goods does not currently accept Afterpay as a payment method in its physical stores or online platform. While Afterpay is a popular “buy now, pay later” service, Dick’s has not partnered with the provider, leaving customers to rely on traditional payment options like credit cards, debit cards, and gift cards.

Key Takeaways

• Afterpay is not accepted at Dick’s Sporting Goods: Neither in-store nor online purchases can be completed using Afterpay at this time.
• Alternative BNPL options are limited: Dick’s does not support major buy now, pay later services like Klarna, Zip, or Sezzle either.
• Accepted payment methods include: Major credit cards (Visa, Mastercard, American Express, Discover), debit cards, Dick’s gift cards, and store credit.
• Online financing is available: Dick’s offers a store credit card through Synchrony Bank, which can provide promotional financing on larger purchases.
• Check for future updates: Payment policies can change, so it’s wise to verify current options on the official Dick’s website or by contacting customer service.
• Third-party retailers may differ: Some online marketplaces (like Amazon) that sell Dick’s products might accept Afterpay, but this doesn’t apply to Dick’s own stores or website.
• Budgeting tips can help: Planning purchases around paydays or using layaway alternatives can make big-ticket items more affordable without Afterpay.

Quick Answers to Common Questions

Can I use Afterpay at Dick’s Sporting Goods in 2024?

No, Dick’s Sporting Goods does not accept Afterpay in-store or online as of 2024.

What payment methods does Dick’s accept?

Dick’s accepts credit cards, debit cards, gift cards, store credit, and mobile payments like Apple Pay.

Does Dick’s offer any financing options?

Yes, Dick’s offers a store credit card with promotional financing on larger purchases.

Can I use Afterpay on Amazon for Dick’s products?

Possibly, if the seller on Amazon accepts Afterpay—but this doesn’t apply to Dick’s own website or stores.

Will Dick’s ever accept Afterpay?

There’s no official announcement, but customer demand could influence future changes.

Does Dick’s Sporting Goods Take Afterpay in Store?

If you’re a fan of Dick’s Sporting Goods and love the convenience of “buy now, pay later” services like Afterpay, you might be wondering: Does Dick’s Sporting Goods take Afterpay in store? It’s a fair question—especially when you’re eyeing a new pair of running shoes, a high-end treadmill, or team uniforms for your youth league. Afterpay has become a go-to solution for shoppers who want to spread out payments without interest, making big purchases more manageable.

Unfortunately, the short answer is no—Dick’s Sporting Goods does not currently accept Afterpay in its physical retail locations or on its official website. This means you won’t be able to walk into a Dick’s store, pick up that new set of golf clubs, and split the cost into four interest-free installments using Afterpay. The same goes for online shopping through dicks.com—Afterpay is not listed as a payment option at checkout.

While this might be disappointing for some, it’s important to understand why and what alternatives are available. Retailers choose their payment partners based on a variety of factors, including transaction fees, customer demand, and integration complexity. Dick’s has opted to focus on traditional payment methods and its own financing solutions rather than partnering with third-party BNPL (buy now, pay later) platforms like Afterpay, Klarna, or Zip.

Understanding Afterpay and How It Works

Before diving deeper into Dick’s payment policies, let’s take a moment to understand what Afterpay is and why it’s so popular. Afterpay is a financial technology service that allows consumers to make purchases and pay for them in four equal, interest-free installments, typically due every two weeks. The first payment is made at the time of purchase, and the remaining three are automatically charged to your linked debit or credit card.

For example, if you buy a $200 pair of basketball shoes using Afterpay, you’d pay $50 upfront and then $50 every two weeks until the balance is paid off. As long as you make payments on time, there are no interest charges or fees—making it an attractive option for budget-conscious shoppers.

Afterpay is widely accepted at thousands of retailers across the U.S., including major brands like Ulta Beauty, Target (via app), and ASOS. However, not all retailers participate. Some, like Dick’s Sporting Goods, have chosen not to integrate Afterpay into their payment systems—at least not yet.

Current Payment Options at Dick’s Sporting Goods

So, if Afterpay isn’t an option, what can you use to pay at Dick’s Sporting Goods? The retailer supports a range of traditional and digital payment methods, both in-store and online.

Accepted In-Store Payment Methods

When shopping at a physical Dick’s Sporting Goods location, you can use the following payment options:

• Major credit cards: Visa, Mastercard, American Express, and Discover are all accepted.
• Debit cards: Any debit card with a Visa or Mastercard logo can be used.
• Gift cards: Dick’s-branded gift cards are a popular choice, especially during the holidays or as gifts.
• Store credit: If you’ve returned an item or have a credit balance, it can be applied to new purchases.
• Mobile payments: Apple Pay, Google Pay, and Samsung Pay are accepted at most locations, allowing for contactless checkout.

These options provide flexibility, but they don’t offer the deferred payment structure that Afterpay users appreciate.

Online Payment Options on dicks.com

Shopping online? The payment methods are largely the same:

• Credit and debit cards (Visa, Mastercard, Amex, Discover)
• Dick’s gift cards and e-gift cards
• Store credit from returns
• Apple Pay and Google Pay (for faster checkout)

Notably absent from the list? Afterpay, Klarna, Zip, and other BNPL services. Even during major sales events like Black Friday or back-to-school promotions, Dick’s does not offer Afterpay as a payment option.

Why Doesn’t Dick’s Sporting Goods Accept Afterpay?

You might be wondering why a major retailer like Dick’s Sporting Goods—with over 850 stores nationwide—hasn’t jumped on the Afterpay bandwagon. After all, competitors like Academy Sports + Outdoors and REI have explored or adopted similar flexible payment options.

There are several possible reasons:

1. Focus on In-House Financing

Dick’s offers its own financing solution: the Dick’s Sporting Goods Credit Card, issued by Synchrony Bank. This store card allows customers to make purchases and take advantage of special financing offers, such as:

• “No interest if paid in full within 6, 12, or 18 months” on qualifying purchases
• Special discounts for new cardholders (e.g., 10% off first purchase)
• Exclusive access to sales and promotions

By promoting its own credit card, Dick’s keeps more control over the customer experience and earns interest revenue from cardholders who carry a balance. Partnering with Afterpay—which charges merchants a fee per transaction—might conflict with this strategy.

2. Transaction Fees and Profit Margins

Afterpay and similar services charge retailers a fee for each transaction, typically around 4–6% of the purchase price. For a retailer like Dick’s, which operates on relatively thin margins in categories like footwear and apparel, these fees can add up quickly.

Instead of absorbing these costs, Dick’s may prefer to keep prices stable and rely on volume sales rather than offering BNPL options that could eat into profits.

3. Integration and Operational Complexity

Adding a new payment method like Afterpay requires significant backend integration with point-of-sale systems, e-commerce platforms, and customer service training. For a large retailer with hundreds of stores, this process can be time-consuming and costly.

Until customer demand reaches a tipping point, Dick’s may prioritize other operational upgrades—like improving its app, expanding its private-label brands, or enhancing in-store experiences.

4. Risk Management

BNPL services shift some risk to the retailer. If a customer fails to pay Afterpay, the retailer still receives the full payment upfront—but the customer relationship may suffer. Dick’s may prefer to manage credit risk directly through its own financing program, where it can set credit limits, monitor usage, and offer personalized support.

Alternatives to Afterpay at Dick’s Sporting Goods

Just because Afterpay isn’t available doesn’t mean you’re out of options. Here are several practical alternatives to help you manage your purchases at Dick’s:

1. Use the Dick’s Sporting Goods Credit Card

As mentioned earlier, the Dick’s credit card offers promotional financing on larger purchases. For example:

• Buy a $600 treadmill and pay 0% interest if paid in full within 12 months.
• Split a $300 set of golf clubs into manageable monthly payments.

To qualify, you’ll need to apply and be approved by Synchrony Bank. Approval depends on your credit score and financial history. If approved, you can use the card both in-store and online.

Tip: Always read the fine print. If you don’t pay off the balance within the promotional period, deferred interest may be charged on the original purchase amount.

2. Budget and Save in Advance

One of the best ways to afford big-ticket items without relying on credit is to plan ahead. Set a savings goal and put aside a small amount each paycheck.

For example:

• Want a $250 pair of running shoes? Save $50 per month for five months.
• Need $400 worth of camping gear? Start a dedicated “outdoor adventure” fund.

This approach avoids debt entirely and gives you the satisfaction of paying in full.

3. Take Advantage of Sales and Promotions

Dick’s frequently runs sales, especially during holidays and seasonal transitions. Keep an eye out for:

• End-of-season clearance events (e.g., winter gear in March)
• Back-to-school sales (July–August)
• Black Friday and Cyber Monday deals
• Email-exclusive discounts for subscribers

Signing up for the Dick’s Rewards program can also earn you points on purchases, which translate into future discounts.

4. Use Gift Cards Strategically

Gift cards can be a great way to control spending. You can:

• Purchase gift cards during sales (some retailers offer bonus cards)
• Use birthday or holiday gift cards to offset future purchases
• Buy gift cards with cash to avoid overspending

While gift cards don’t offer installment payments, they do help you prepay for items and avoid impulse buys.

5. Consider Third-Party Retailers

Some online marketplaces that sell Dick’s products—like Amazon, Walmart, or eBay—may accept Afterpay or other BNPL services. However, be cautious:

• Verify that the seller is authorized and the product is genuine.
• Check return policies—they may differ from Dick’s own policy.
• Shipping and delivery times may be longer.

This option works best for items like shoes, apparel, or accessories that are widely available.

What About Other Buy Now, Pay Later Services?

Afterpay isn’t the only BNPL player in town. You might be wondering if Dick’s accepts alternatives like Klarna, Zip (formerly QuadPay), or Sezzle.

The answer is still no—Dick’s Sporting Goods does not currently support any major buy now, pay later services. This includes:

• Klarna
• Zip
• Sezzle
• Affirm
• PayPal Pay in 4

Even PayPal’s “Pay in 4” feature—which allows four interest-free payments—is not available at checkout on dicks.com.

This puts Dick’s behind some competitors. For example:

• Academy Sports + Outdoors: Accepts Klarna online.
• REI: Offers Affirm financing on large purchases.
• Foot Locker: Supports Afterpay and Klarna.

However, Dick’s focus remains on its own credit card and traditional payment methods.

Customer Feedback and Demand for Afterpay

Despite the lack of Afterpay, many Dick’s customers have expressed interest in flexible payment options. Online forums, social media, and review sites frequently feature requests like:

• “Why doesn’t Dick’s offer Afterpay? It would make big purchases so much easier.”
• “I’d shop more often if I could split payments.”
• “Other sporting goods stores have it—why not Dick’s?”

These comments suggest a growing demand for BNPL services, especially among younger shoppers and families managing tight budgets.

Dick’s has not publicly announced plans to adopt Afterpay, but customer feedback is a powerful driver of change. If enough shoppers voice their preferences, the retailer may reconsider its payment strategy in the future.

Tips for Shopping at Dick’s Without Afterpay

Here are some practical tips to make your Dick’s shopping experience smoother—even without Afterpay:

1. Use the Dick’s App

The official Dick’s Sporting Goods app offers features like:

• Digital wallet for gift cards and rewards
• Mobile checkout in-store (scan and go)
• Exclusive app-only deals
• Real-time inventory checks

It’s a great way to stay organized and save time.

2. Sign Up for Dick’s Rewards

Joining the free Dick’s Rewards program earns you points on every purchase. Every 1,500 points = $10 reward. You’ll also get:

• Birthday rewards
• Early access to sales
• Personalized offers

It’s a simple way to get more value over time.

3. Shop During Major Sales Events

Plan big purchases around key shopping holidays:

• President’s Day: Great deals on fitness equipment
• Memorial Day: Outdoor gear and apparel sales
• Back-to-School (July–August): Apparel, shoes, and team sports gear
• Black Friday: Deep discounts across all categories

4. Consider Layaway (Where Available)

While Dick’s doesn’t offer traditional layaway, some third-party services like FlexShopper or LeaseWise allow you to rent-to-own items from major retailers. These aren’t ideal for everyone, but they can be an option for essential gear.

5. Use Cashback and Rewards Credit Cards

If you use a credit card to pay at Dick’s, choose one that offers:

• Cashback on department store purchases (e.g., 3–5%)
• Travel rewards or points
• No annual fee

Just be sure to pay off the balance in full each month to avoid interest.

Conclusion

So, does Dick’s Sporting Goods take Afterpay in store? The answer remains a clear no. Whether you’re shopping in person or online, Afterpay is not currently accepted as a payment method. The same goes for other popular BNPL services like Klarna, Zip, and Affirm.

While this may be disappointing for fans of flexible payment options, Dick’s offers several alternatives—including its own credit card with promotional financing, gift cards, and frequent sales. By planning ahead, using rewards programs, and taking advantage of discounts, you can still make your sporting goods purchases more affordable.

Retail payment trends are always evolving, and customer demand could eventually push Dick’s to adopt Afterpay or similar services. Until then, staying informed about current options and shopping smart will help you get the gear you need—without breaking the bank.

Frequently Asked Questions

Does Dick’s Sporting Goods take Afterpay online?

No, Afterpay is not available as a payment option on the Dick’s Sporting Goods website. Customers must use credit cards, debit cards, gift cards, or mobile payments.

Can I split my Dick’s purchase into payments?

Not through Afterpay, but you can use the Dick’s Sporting Goods credit card, which offers promotional financing on qualifying purchases with no interest if paid in full within the promotional period.

Why doesn’t Dick’s accept Afterpay?

Dick’s likely prioritizes its own financing program and avoids third-party transaction fees. Integration complexity and risk management may also play a role.

Are there any BNPL services accepted at Dick’s?

No, Dick’s does not currently support any major buy now, pay later services like Klarna, Zip, or Affirm.

What are the best ways to save at Dick’s?

Join Dick’s Rewards, shop during sales events, use gift cards, and take advantage of email-exclusive discounts to maximize savings.

Can I use PayPal Pay in 4 at Dick’s?

No, PayPal’s Pay in 4 feature is not available at checkout on dicks.com or in Dick’s physical stores.