Does Harbor Freight Take Afterpay (2024)

FAQs

Does Harbor Freight accept buy now pay later? ›

Enjoy Harbor Freight Tools's vast selection and the convenience of shopping with more flexible payment options on Sezzle's BNPL platform. Begin today and discover the simplicity of paying with Sezzle installments at Harbor Freight Tools.

Keep in mind that the Harbor Freight Credit Card requires fair credit, which means you need a 640+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt...

PAYMENT METHODS

Harbor Freight stores and the website accept Visa, Mastercard, American Express, Discover and Harbor Freight gift cards. Checks and money orders are also accepted for orders placed via United States Postal Service. If you still need help or would like to leave a comment, please fill out the form below.

Afterpay doesn't offer traditional personal loans. Instead, it offers an alternative form of funding. All Afterpay customers, regardless of credit score, start with a maximum spending limit of $600. This amount will increase once you prove you are low-risk to Afterpay by making regular, on-time payments.

No interest will be charged and equal monthly payments will be required on each equal pay purchase until it is paid in full. These payments equal the total equal pay purchase amount (including taxes and delivery) divided by the number of months in the equal pay period, rounded up to the next whole dollar.

If you start Monday, you will get paid Friday. However once you get hired as a Harbor Freight employee paydays are every two weeks.

The credit score you need for the Harbor Freight Credit Card is 640 or better. That means people with at least fair credit have a shot at getting approved for this card.

Harbor Freight credit limit increased to $6000.

The Shell Gas Card credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the Shell Gas Card.

Harbor Freight doesn't accept PayPal as a payment method.

Does Harbor Freight accept contactless payments? ›

Yes, in-store only.

Due to safety hazards, items that use flammable liquids or gases, or contain hazardous materials cannot be returned through the mail – even if the item was drained of these materials.

Afterpay may perform a soft credit check, which doesn't hurt your credit score. Afterpay doesn't disclose a minimum credit score requirement, and borrowers with fair or bad credit (689 credit score or lower) may be eligible to use Afterpay.

For Afterpay, the highest limit is $1,500 per transaction and customers can hold a maximum of $2,000 as outstanding balance, but these limits are variable and depend on a variety of factors such as payment history and frequency of on-time payments.

Cons Explained

Charges late fees: If you do not make your payment on time, you will be charged a late fee of $10. If you don't make payments within seven days of the due date you will have to pay an additional $7 charge. These fees can add up but never to more than 25% of the original purchase amount.

“Buy Now, Pay Later (BNPL),” also known as a “point-of-sale loan,” is a short-term loan that allows you to buy goods or services in installments set by an online app vendor or a retailer. Retailers and apps such as Affirm, Sezzle, and PayPal, are among those that offer this service.

If you're buying online, paying in a shop or even ordering a takeaway, Buy Now Pay Later (BNPL) can seem like a quick and easy way to pay. But BNPL is a form of borrowing so you need to think carefully before using it, especially if you're spending more than you can afford to pay back.

Overall 19 percent of individuals used BNPL, but BNPL usage is noticeably higher for those with credit scores below 620 (43 percent) and those who were thirty days or more delinquent at some point during the past year (37 percent).