Buy Christmas Gifts Now, Pay Later

Wish you could have your Christmas bonus early to pay for Christmas gifts and presents to put under the Christmas tree?  Never fear, many online merchants offer deferred billing options so you can buy Christmas presents now and pay them off later.  Here are my top favorite online stores that let you make payments on your purchase.

Buy Christmas Gifts Now, Pay Later

Bradford Exchange

Making payments on affordable collectibles and jewelry. Select “Pay in Installments” under “Payment Options” at checkout. Installments are charged monthly, directly to the payment method you choose (Visa, Mastercard, Discover, American Express, PayPal), and the installments are interest free! Shop BradfordExchange now!


Choose to pay off your purchases in 4-24 monthly payments at Gettington.  Name brands including Apple, Sony, Dyson, Wii, etc. Application takes under a minute! If you already have a Gettington Credit Account, click here to shop!

Home Shopping Network

Divide your purchase into low monthly payments with your debit or credit card. The first payment will include taxes and shipping and handling fees. The remaining payments are then automatically billed to your credit or debit card every 30 days. HSN does not charge interest charges or fees when you use their FlexPay option.  Shop now!


Fingerhut offers Thousands of Name Brand Products.  No down payments. Affordable monthly payments. They claim to say “Yes!” when others say “No” on your credit. If you already have a Fingerhut Credit Account, click here to shop!


Make $20/month payments on cookware, appliances, dinnerware, furniture, bed and bath, home decor and gifts with Choose ‘n Charge. Shop now!

QVC Offers Easy Pay where you can spread out your payments over a designated number of payments at no extra charge when you order using any major credit card (so no applications necessary). Shop now!

Can’t find what you’re looking for? Lending Kernel offers personal loans up to $20,000 with all credit types accepted. Receive the funds the next business day ! The application is quick and easy!

More Buy Now, Pay Later Stores.

Buy Christmas Gifts Now, Pay Later. Click to see list of online stores that offer deferred billing options so you can buy Christmas gifts and presents now and pay them off later by making payments.