Does Kohl’s Take Affirm?

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• Kohl’s does not accept Affirm as a payment option.
• Kohl’s accepts Afterpay and Klarna for buy now, pay later services.
• Afterpay splits purchases into four payments over six weeks with no interest.
• Klarna offers multiple payment plans, including four interest-free installments and longer-term financing.
• To use Afterpay or Klarna, download their app, search for Kohl’s, shop, and check out using the BNPL option.
• Kohl’s also accepts credit cards, debit cards, cash, checks, and money orders.
• The Kohl’s Charge Card is another financing option that offers store rewards and discounts.
• Kohl’s likely does not accept Affirm due to business partnerships with Afterpay and Klarna.
• If you want financing at Kohl’s, consider BNPL services, a store credit card, or a 0% APR credit card.
• Shoppers can still find flexible payment options at Kohl’s, even without Affirm.

Introduction

If you’re wondering, does Kohl’s take Affirm? The answer is no—Kohl’s does not accept Affirm as a payment option. However, if you’re looking for a buy now, pay later (BNPL) service at Kohl’s, you do have other choices. Kohl’s accepts Afterpay and Klarna, which allow shoppers to split their payments into smaller, interest-free installments.

Understanding which payment methods are available can help you make smarter shopping decisions. In this article, we’ll explain why Kohl’s does not take Affirm, how Afterpay and Klarna work at Kohl’s, and what other payment methods are accepted at the store. If you’re looking for flexible payment options, we’ll show you exactly how to use Afterpay and Klarna when shopping at Kohl’s.

Does Kohl’s Take Affirm?

No, Kohl’s does not take Affirm. While Affirm is a popular BNPL service used at many retailers, Kohl’s has chosen to partner with other providers. This means you cannot use Affirm to finance your Kohl’s purchases.

If you rely on Affirm for budgeting and installment payments, this might be disappointing. But don’t worry—there are still ways to split your payments at Kohl’s using Afterpay and Klarna. These two services work similarly to Affirm and are easy to use for both in-store and online purchases.

What Buy Now, Pay Later Services Does Kohl’s Accept?

Kohl’s accepts two BNPL services:

• Afterpay
• Klarna

Both options allow you to shop now and pay later in smaller, interest-free payments. However, there are some differences in how each service works. Let’s break it down so you can decide which one is best for you.

How to Use Afterpay at Kohl’s

Afterpay is a convenient way to split your purchase into four equal payments over six weeks. The best part? There’s no interest, and as long as you make your payments on time, you won’t be charged any fees.

Here’s how you can use Afterpay at Kohl’s:

1. Download the Afterpay app on your phone.
2. Search for Kohl’s in the Afterpay app.
3. Shop online through the app and add your items to the cart.
4. Check out with Afterpay, and choose how to pay.

Afterpay will automatically charge your first installment when you make the purchase. The remaining three payments will be deducted from your account every two weeks. This makes it an easy and predictable way to manage your spending.

How to Use Klarna at Kohl’s

Klarna works in a similar way to Afterpay, allowing you to shop and pay later. However, Klarna offers different payment plans depending on what works best for you.

Here’s how to use Klarna at Kohl’s:

1. Download the Klarna app on your phone.
2. Search for Kohl’s in the Klarna app.
3. Shop at Kohl’s online and add items to your cart.
4. Select Klarna at checkout, and choose a payment plan.

With Klarna, you can either split your purchase into four payments or opt for a longer-term financing option. The four-payment plan is interest-free, while financing may include interest depending on your terms.

Other Payment Methods Kohl’s Accepts

If Afterpay or Klarna aren’t the right fit for you, Kohl’s also accepts several other payment methods. These include:

• Credit Cards – Visa, MasterCard, American Express, and Discover
• Debit Cards – Linked to a checking account
• Kohl’s Charge Card – A store-specific credit card
• Cash – For in-store purchases
• Checks – Personal checks may be accepted in-store
• Money Orders – An alternative to checks

Having multiple payment options ensures that shoppers can choose the method that works best for their financial situation.

Why Doesn’t Kohl’s Accept Affirm?

There’s no official statement from Kohl’s explaining why they do not accept Affirm, but there are a few possible reasons:

1. Existing Partnerships – Kohl’s has chosen to work with Afterpay and Klarna instead. Many retailers partner with just one or two BNPL providers.
2. Business Strategy – Kohl’s may have determined that Afterpay and Klarna are a better fit for its customers.
3. Fees and Costs – Affirm, like other BNPL services, charges transaction fees to retailers. Kohl’s may have opted for providers with better terms.

Regardless of the reason, if you were hoping to use Affirm, you’ll need to find another way to finance your purchase at Kohl’s.

Is Afterpay or Klarna Better for Shopping at Kohl’s?

Both Afterpay and Klarna offer great BNPL options, but which one is better for you?

• Choose Afterpay if you want a simple four-payment plan with no interest.
• Choose Klarna if you want more flexibility, including longer-term financing options.

If you prefer a predictable payment schedule, Afterpay might be the better choice. However, if you want the ability to spread payments over a longer period, Klarna could work better.

Alternatives to Affirm for Shopping at Kohl’s

If you’re looking for financing but don’t want to use Afterpay or Klarna, here are some alternatives:

1. Kohl’s Charge Card – This store credit card allows you to buy now and pay later while earning Kohl’s rewards and discounts.
2. Credit Cards with 0% APR – Many banks offer credit cards with an introductory 0% APR period, allowing you to finance your purchase with no interest.
3. Personal Loans – If you’re making a large purchase, you could consider a personal loan with low-interest financing.

These options give you more ways to shop at Kohl’s while staying within your budget.

Frequently Asked Questions

Here are some of the related questions people also ask:

Does Kohl’s take Affirm for payment?

No, Kohl’s does not accept Affirm as a payment option. However, it does accept Afterpay and Klarna for buy now, pay later services.

What buy now, pay later services does Kohl’s accept?

Kohl’s accepts Afterpay and Klarna, allowing shoppers to split their payments into smaller, interest-free installments.

How do I use Afterpay at Kohl’s?

To use Afterpay at Kohl’s, download the Afterpay app, search for Kohl’s, shop through the app, and check out with Afterpay. Your total will be split into four equal payments over six weeks.

How do I use Klarna at Kohl’s?

To use Klarna at Kohl’s, download the Klarna app, search for Kohl’s, shop through the app, and choose Klarna at checkout. You can split payments into four installments or select a longer-term financing option.

Why doesn’t Kohl’s accept Affirm?

Kohl’s has not provided an official reason, but it likely chose to partner with Afterpay and Klarna instead due to business agreements and transaction fees.

What payment methods does Kohl’s accept?

Kohl’s accepts credit cards, debit cards, Kohl’s Charge Cards, Afterpay, Klarna, cash, checks, and money orders.

Can I use Klarna or Afterpay in-store at Kohl’s?

No, currently Afterpay and Klarna are available for online purchases at Kohl’s and cannot be used directly in physical stores.

What are the alternatives to Affirm for shopping at Kohl’s?

If you want to finance purchases at Kohl’s, you can use Afterpay, Klarna, a Kohl’s Charge Card, or a credit card with 0% APR.

Is Afterpay or Klarna better for shopping at Kohl’s?

Afterpay is best for a simple four-payment plan with no interest, while Klarna offers more flexible financing options, including long-term payment plans.

The Bottom Line

So, does Kohl’s take Affirm? No, Kohl’s does not accept Affirm. However, you can still shop with flexible payment options using Afterpay and Klarna.

Afterpay allows you to split your purchase into four equal payments over six weeks, while Klarna offers both short-term and long-term financing. Both services are interest-free when used for four-installment payments, making them great alternatives to Affirm.

In addition to Afterpay and Klarna, Kohl’s also accepts credit cards, debit cards, Kohl’s Charge Cards, cash, checks, and money orders. If you were hoping to use Affirm at Kohl’s, you’ll need to choose another payment method.

By understanding your payment options, you can shop smarter and find the best way to budget your purchases at Kohl’s. Whether you choose Afterpay, Klarna, or another method, you’ll have plenty of ways to check out with ease.