Skip to Content

Buy Now, Pay Later Gourmet Food and Grocery Stores That Offer Payment Plans

Buy Now, Pay Later Gourmet Food and Grocery Stores That Offer Payment Plans

Disclosure: This post may contain affiliate links, meaning we get a commission if you decide to make a purchase through our links, at no cost to you. Please read our disclosure for more info.

Do you love to cook, but hate the idea of spending a fortune on groceries every month? Or maybe you just don't have the cash on hand right now to buy everything you need.

Don't worry – there are several gourmet food and grocery stores that offer payment plans, so you can get the supplies you need now and pay for them over time. Here are some of our favorites.

Whether or not you’re making something special for dinner tonight and cooking for two or twenty, the cost of gourmet food, spices, and other cooking ingredients can quickly add up. That’s especially true during the holidays, when your groceries can quickly take up a considerable chunk of your paycheck.

Luckily, there’s a great way to spend less on your groceries now without relying on credit. A number of online grocery retailers accept buy now, pay later services which let you enjoy your groceries now but pay for them over time. For example, instead of paying $100 for groceries up front, a buy now, pay later service might break up your bill into four equal payments of $25, the first due at checkout with another installment due every two weeks. That way, you can enjoy a gourmet meal tonight without having to pay for it all at once.

You can get approved for most buy now, pay later services in seconds since there’s typically no credit check, and as a result using them won’t affect your credit score. Read on to discover some of the online stores where you can score great buy now, pay later deals on gourmet ingredients and other grocery items. 

Grocery Stores Offering Buy Now, Pay Later 

Did you know that several traditional grocery and club box  retailers offer buy now, pay later payments plans? It’s true — you can continue going to some of your favorite grocery stores like the ones below while enjoying the benefits of a deferred payment plan.

Grocery shopping can be a daunting task, especially if you're on a budget. That's where payment plans offered by certain stores can come in handy. Here is a list of grocery stores that offer Buy Now, Pay Later payment plans. So, whether you're stocking up for the holidays or just need some basics, these stores have you covered!

Sam’s Club

You can use Zip or Affirm to finance your next purchase at Sam Club. Affirm is a good idea if you’re looking for more options; you choose to spread the cost of your purchase out over three, six, or twelve months. Find everything you need at Sam's Club from everyday groceries to even wedding cakes! Not a member? Sam's Club does require a membership to shop both in-store and online so sign up here and find a Sam's Club near you. 


If you're a Costco member, you can save even more with Zip. Formerly known as QuadPay, Zip lets you spread out the cost of your groceries over four equal payments.

Whole Foods

You can also use Zip to pay for gourmet ingredients at Whole Foods. To use the buy now, pay later service online, just download the Zip app, search for Whole Foods, and start shopping.


Walmart lets you use buy now, pay later services like Affirm for a ton of purchases. If you want to use a buy now, pay later service for groceries, however, you’ll need to use Zip, which is accepted anywhere Visa is.

Learn more about Walmart's flexible payments options.


Target recently expanded its buy now, pay later service options, so you can platforms like Sezzle (which lets you split the cost of your purchase over four equal payments) or Affirm (for purchases over $100) for your next shopping trip.

See our comparison post on Target vs Walmart.

Ready to take your Super Bowl celebration to the next level? Check out our page on ‘Super Bowl Food Ideas: Online Tips & Recipes for Game Day‘ and discover a culinary touchdown with expert tips and irresistible recipes for an unforgettable Super Bowl experience!”

Buy Now, Pay Later Food Stores Online

What could be better than enjoying a delicious gourmet meal in a restaurant? How about cooking that meal yourself in your own kitchen? With the help of some great payment plans from local gourmet food stores, you can have both! These stores offer flexible payment plans so you can buy the ingredients you need now and pay for them over time. You'll be able to cook up some amazing meals without breaking the bank. So what are you waiting for? Start browsing these stores today!

Outside of traditional grocery stores, there are several online retailers and even catalogs where you can use buy now, pay later to purchase gourmet ingredients and other food items. 


HSN — the Home Shopping Network — has a ton of gourmet food items for sale, from specialty coffee roasts to prime rib. The next time you load up your online cart, consider using FlexPay to pay for your purchase over the course of up to five monthly installments. 

Amazon Fresh

You can order goodie baskets stuffed with gourmet chocolates, snacks, and other tempting treats online at Amazon. If you’re a member, use Prime to skip the shipping cost. And if you haven’t signed up for the Amazon Rewards Visa Card, you can get a free $75 gift card to put towards your gourmet ingredients. Don't forget about Amazon Pay as another payment method

Gourmet Food Services Offering Buy Now, Pay Later

If you prefer to get your ingredients from retailers that specialize in gourmet ingredients, there are a ton of great options that let you place your order online or via a catalog order form  and using buy now, pay later.

Harry & David

Harry & David has long been synonymous with gourmet ingredients. And with PayPal Credit, you can order your fill of the retailer’s gourmet food and wine or special occasion baskets.

Cheryl's Cookies

Dessert lovers have ordered cookies, brownies, and cakes from Cheryl’s for four decades now. The next time your sweet tooth has a craving, you can use Klarna o rPayPal Credit to make your purchase.

Cost Plus World Market

You can get everything you need — from food and drink to kitchen tools — for your next gourmet feast at World Market using PayPal Credit or Afterpay

Tender Filet

Looking for premium aged steaks or other specialty beef, poultry, or seafood? You can pay later using Tender Filet Credit by The Swiss Colony (formerly known as Choose ‘N Charge). Payments start as low as $15 per month.

The Swiss Colony

Head to The Swiss Colony for meats and cheese assortments, tortes and pastries, and festive towers bursting with goodies. Another reason to be tempted? Monthly payments start as low as $10.

The Wisconsin Cheeseman

Whether you're buying for yourself or as a gift for a fellow gourmand, you can’t go wrong with world-class cheese from the great state of Wisconsin. Payments start as low as $10 a month with no annual fee.


At Fingerhut you can order gourmet food gifts such as bakery items, coffee and tea, meat and cheese, and sweet and salty snacks, plus thousands of other trusted name brand products with no down payment and low monthly payments. You can apply for a Fingerhut Credit Account and buy today to start building up your credit history.


Choose PayPal at checkout, then PayPal credit to buy gourmet food today and pay later over time the next time you order a bundle of deliciousness at 1-800-Baskets.

Asian Food Grocer

You can load up on specialty products and ingredients like Hello Kitty rice crackers or ramen at Asian Food Grocer then use PayPal Credit to spread out the cost of your purchase.

Chicago Steak Company

Looking for a quality steak? Using PayPal Credit at Chicago Steak Company is a great option if you’re after a tomahawk ribeye for your own dinner or a gift pack to send to someone special.

Edible Arrangements

Edible Arrangements are a great gift item if you’re looking to celebrate a special occasion. And with PayPal credit, you can order a same-day surprise without having to take care of the full cost upfront. Also now you can pay with Amazon Pay. 

Fannie May

You can create a custom assortment of goodies at Fannie May, making it another great option for a gourmet gift. Fannie May also accepts PayPal Credit so you can surprise that someone special whenever there’s an occasion.

Fruit Bouquets

Fruit Bouquets also accepts PayPal Credit and has a variety of adorable edible arrangement for every occasion, from wishing someone a speedy recovery to celebrating a birthday.

My M&M's

That’s right: M&Ms accepts PayPal Credit, so you can buy now, pay later all kinds of sweet goodies, including M&M personalized with your favorite color; a special saying, picture, or illustration; and the packaging of your choice.

Shari's Berries

Shari’s Berries specializes in gourmet dipped and drizzled strawberries, a gift that’s both utterly decadent and budget-friendly when you choose PayPal Credit at checkout.

The Popcorn Factory

Whether you’re curled up on the sofa to watch a film during a cold winter night or watching a summer flick being projected outdoors, nothing pairs better than gourmet popcorn from the experts at The Popcorn Factory — another online gourmet retailer that accepts PayPal Credit.

Wine Enthusiast

You spread out your next purchase of Old and New World wines at the Wine Enthusiast using PayPal Credit. More wine gift ideas can be found here.

Tips for Buying Food and Groceries Online

There are a ton of ways you can benefit by ordering your gourmet groceries online. Follow these tips to make the most of your next online grocery order.

Save Time

Online ordering is always a big time saver compared to driving out to the store in person and doing the shopping yourself. Plus, if you don’t have a ton of time to spare, you can build your order up online using spare minutes here and there throughout the day instead of placing it all at once. Some online retailers will let you choose when your order is delivered, making it an even more convenient option.

Save Money

Prices are often less when you order online than in the store. Plus, you can comparison shop to make sure you’re getting the best deal around.

Save on Extras

Having gourmet groceries delivered to your door or directly to any given destination is also a great way to save money on gas.

Navigate to our companion article, “Affirm Stores That Accept Affirm Financing,” for a comprehensive list of retailers across various categories where you can utilize Affirm to manage your budget and enjoy flexible payment options.

Buy Gourmet Food Now, Pay Later

Buy Gourmet Food Now, Pay Later With Stores That Offer Payment Plans

This site uses Akismet to reduce spam. Learn how your comment data is processed.

This site uses Akismet to reduce spam. Learn how your comment data is processed.