Buy-now-pay-later (BNPL) options are becoming increasingly popular among avid shoppers. The freedom to enjoy purchases immediately and make interest-free payments has delighted cash-strapped consumers, and frustrated credit card companies.
Some of the most popular choices include Afterpay and Klarna. Afterpay in particular reflects one of the most successful underdog stories in capitalist America. Since its first pitch in 2015, the unicorn now serves over 16 million customers and nearly 100,000 merchants globally.
But is athleisure brand Lululemon part of that list? Let’s find out!
Does Lululemon Take Afterpay?
Yes, Lululemon accepts Afterpay in-store, online, and in-app with no additional interests charged if paid on time. However, you cannot use Afterpay for membership or gift card purchases. The receipt must also be a minimum of $1 and not more than $2,000.

What is Afterpay?
Afterpay is a buy-now-pay-later (BNPL) service with guaranteed approval and no credit checks required. Customers can use Afterpay at any Lululemon point of sales, be it in-store, online, or in-app. The Australian-based company is now available at nearly 100,000 retailers worldwide, including Target, GOAT, Ulta, and Nike.
However, there is a limit on your spending limit with Afterpay accompanied by additional limitations from the retailer. This maximum amount changes based on how timely you make payments, and how long you’ve been using the platform.
Afterpay does not perform credit checks upon new user sign-in. Additionally, both late or on-time payments do not affect your credit score at all. Afterpay will not report your payment activity to any credit bureaus, which is what makes it an attractive alternative to credit cards.
Unfortunately, the platform is only available in the United States, Canada, New Zealand, and Australia. It also operates in the United Kingdom, France, Italy, and Spain but is marketed in the EU region as Clearpay.
How Does Afterpay Work?
When you choose Afterpay as the payment method upon checkout, you will make the first of 4 payments which amount to 25% of the total receipt. Then, you will pay the remaining sum every two weeks for up to six weeks.
You can also choose to make payment before the stipulated deadline or set up an autopay deduction from your credit or debit card.
Before you use Afterpay at Lululemon or any other merchants, you must first set up an Afterpay Card account.
How to Set Up Afterpay
- Download the Afterpay app on your mobile phone.
- Open the app and set up your account by following the on-screen prompts.
- Add the Afterpay Card to your preferred digital wallet: Apple Pay, Google Pay, or Samsung Pay.
- Add your credit or debit card to the app for installment payments.
- Select Afterpay as your chosen payment method upon checkout.
Once your Afterpay setup is complete, you can log in to your account and view purchase history or make a payment anytime.
How to Use Afterpay at Lululemon
After setting up your Afterpay Card, you can now use it at any Lululemon stores in the available countries – the US, Australia, Canada, and New Zealand. However, it seems that Lululemon in the United Kingdom only accepts Klarna as their buy-now-pay-later option.
In-store
- Open your Afterpay app at checkout.
- Select “Pay with Afterpay Card”.
- Hold your phone over the reader.
- Take your newly purchased gear home and pay the remaining sum over time.
Online
- Checkout your cart as usual
- Select Afterpay as the payment method before following the on-screen prompts.
- Enjoy your new Lululemon outfits and pay the outstanding sum over 3 fortnightly payments.
In-app
- Select Afterpay as the payment method at checkout
- Follow the on-screen prompts
- Enjoy your purchase and make the remaining payments via debit or credit card.
Eligible Purchases
Lululemon accepts Afterpay for all clothing purchases. However, you can’t use Afterpay to buy gift cards or pay for membership subscriptions. Moreover, the receipt must be a minimum of $1 and a maximum of $2,000.
No matter the merchant or amount, the Afterpay platform is not available to users if there are overdue payments. If the automatic payment fails, you will receive an SMS notification and a grace period of 10 days before being charged late fees.
Late Fees
If you don’t adhere to the payment schedule in the Afterpay app, you will be charged an initial $10 late fee for orders below $40. Orders exceeding that amount will incur a late fee of $25 of the total receipt capped at $68.
You will also be charged a further $7 if the payment remains unpaid 7 days after the due date. Users cannot use Afterpay until all overdue charges are resolved.
To make a payment, simply connect to your debit or credit card and pay manually or set up an autopay. Do note that this will still accrue interest on your credit card or overdraft fees from your bank.
Returns and Refunds
Afterpay will restore your funds to your original payment method within 3-5 business days after the return is confirmed. However, the item must be approved by an educator under Lulu’s return policy, and you must keep paying until the return is confirmed.
According to Lululemon’s return policy, all purchases made within 30 days can be returned. Additionally, the garments must be unworn, unwashed, attached with the hang tags, and accompanied by proof of purchase.
Note: You should return the garments to Lululemon and not Afterpay.
Other Payment Methods
If you prefer not to use Afterpay, Lululemon also accepts Klarna, an alternative buy-now-pay-later option. Both options will not affect your credit score, but Klarna will perform a soft credit check when creating a new account. Additionally, Klarna does not impose a spending limit on its users.
For a more detailed review, refer to Investopedia’s Klana vs. Afterpay comparison guide.
Other forms of payment that Lululemon accepts include:
- Cash
- American Express
- PayPal
- Gift cards
- Debit and credit cards
- JCB
Conclusion…
Lululemon does take Afterpay as an accepted form of payment across all its stores – brick-and-mortar shops, online websites, and mobile apps.
However, the buy-now-pay-later option is only available in select countries such as the US, Canada, and Australia.
You also cannot use Afterpay to purchase Lululemon gift cards or membership subscriptions.