What are you looking to buy now and pay for later? Here's our top choices:
If you're wanting to finance one of the above items, click that link to continue. If not, keep scrolling for over 100 online stores that offer deferred billing so you can make payments on your needs and wants or get a personal loan for up to $2,500 that you can spend on anything you want.
Here is a list of Kim's top online buy now pay later stores and websites that offer deferred billing so you can buy what you need now and pay for it later over time with monthly payment plans (in alphabetical order as I don't recommend any one over the other).
- ABT – Offers 12 months special financing on electronics and appliances plus free shipping on thousands of products.
- Amazon – Get a free $50 gift card for applying and getting approved for their Amazon Rewards Visa Card that you can instantly apply towards a new set of golf clubs plus earn 3% back on your Amazon purchase. You can also finance Amazon purchases with Abunda.
- Appliances Connection – The Appliances Connection Credit Card offers no interest if paid in full up to 24 months, plus receive 5% back on a gift card on every purchase over $999 when financing for 6 months.
- Argos (UK) – Range of credit plans from 3 to 12 months.
- Ashley Homestore – Special financing options on furniture with no money down. Can be combined with discount offers. Click here for more info.
- Ashro – Payments as low as $20 a month with Ashro Credit. Quick approval and easy to apply.
- Bass Pro – Stretch Your Payments Plan is powered by Sezzle and is only available on internet online orders (not available in stores) on orders of $150 or more. Click here for more details.
- Beautylish – Flexible payments available. Pay 1/3 of your balance at checkout, and pay the rest in 2 monthly payments that are automatically charged to your card on file. There is no interest or fees. No credit check is required. Flexible Payments are available to Australia, Canada, New Zealand, United Kingdom and United States orders of $99 or more.
- Bed Bath & Beyond – Earn rewards and special financing with their store card credit card option (can only be used at Bed Bath & Beyond) and/or a Mastercard credit card option (can be used anywhere).
- Blair – Get free coupons, savings and rewards when you apply for a Blair credit card. No annual fee, minimum payments and can be used at over a dozen different online stores including Haband, Old Pueblo Traders and The Outlet (clearance for all sites).
- Boscov's is America's largest family owned department store and offers their own credit card that rewards you for being a cardholder.
- Bradford Exchange – Make buying collectibles and jewelry convenient and affordable. Installments are charged monthly, directly to the payment method you authorized at checkout, and the installments are interest free!
- BrandsMart USA – Buy top brand TVs, home appliances, washers, dryers and more with several financing options including the BrandsMart USA Credit Card, Fortiva Financing and/or Acceptance Now.
- Byte Invisible Teeth Aligners offers BytePay, a monthly payment plan with a guaranteed 100% approval. There is no impact to your credit score (bad credit is okay), and approval is instant.
- Carter's – The new Carter's Credit Card make rewarding moments even more rewarding: Save 25% when you open and use your card, Free Shipping, Double Points, Surprises and more.
- Check Into Cash – Apply in minutes and get cash deposited to your back account to use on whatever you want! CheckIntoCash is a trusted payday advance lender. Apply now!
- Conn’s Home Plus offers a variety of credit and lease options on appliances, furniture, electronics and more. Financing option include a store credit cards, retail installment contracts and lease-to-own programs through Progressive Leasing. Conn's will only ship to states that have one of their stores in that state, so you must live in the one of the following states to get approved for credit: Alabama, Arizona, Colorado, Georgia, Louisiana, Mississippi, Nevada, New Mexico, North Carolina, Oklahoma, South Carolina, Tennessee, Texas and Virginia. Shop Conns.com now!
- Country Door – Decorate now and pay later! Easy account set-up, no annual fees and monthly payments as low as $20.
- Dell.com – Sign up for Dell Preferred Account which is a revolving line of credit that is available for items purchased for personal and home use.
- Design Within Reach – No interest on modern furniture if paid in full within 6 months on purchases of $500 ore more, no interest for 24 months on purchases of $2500 or more, with the Design Within Reach credit card.
- Dooney & Bourke – Offers DooneyPay to stretch payments up to three easy pays with no interest on your existing debit or credit card and applies to in-stock products only.
- ElectroFinance – Get instantly approved for up to $5,000 in brand name electronics from Best Buy with no credit needed. All you pay is an initial payment of just $50. Most products are available the same day and can be picked up from BestBuy with $0 due at pickup.
- FunJet – Reserve your vacation for as little as $50 down if you book more than 6 weeks in advance. Then schedule a final payment on a credit card or make multiple payments in regular increments.
- Ginny's – There is something for everyone here! 100% Satisfaction Guaranteed with payments as low as $10 per month with Ginny's Credit (formerly known as Choose ‘N Charge).
- Goodyear – Increase your current rebate on tires and get low monthly payments using the Goodyear credit card.
- Home Depot – Apply for a Home Depot Consumer Credit Card with up to 24 months special financing on purchases of $299 or more
- Home Shopping Network – Buy Now, Pay Later with Flex Pay, which is better than layaway! Buy electronics now , such as HDTVs, Printers, Wii’s and Computers, get it home and pay it off over time – with no fees or interest.
- Horizon Outlet – Instant $500 credit limit with no credit check and no employment check. Bad credit? No credit? No problem!
- Invicta Stores – Get 12 months special financing available on exclusive watches with the Invicta Card. Select “Invicta Card” at checkout and apply easily online.
- JCPenney – Get extra discounts and earn rewards faster when you use your JCPenney Credit Card, plus combine discounts with coupons to save more!
- Kmart – Offers layaway, leasing options and their own Shop Your Way Mastercard. Make payments on items with Layaway (more info), and no credit is required to Lease items (more info).
- Kohl's – Having a Kohl's Charge card entitles you to extra savings offers thoughout the year. Plus paying for your online order with Kohl's Charge gets you extra discounts. Save now, pay later!
- Lenovo – Buy laptops, ultrabooks, desktops, all-in-one computers, workstations, tablets, smart devices, monitors, servers and more. They offer several financing options including Zibby, Klarna, Behalf Credit, and Lenovo Financial Services.
- Lenox – Take up to 8 months to pay, interest free. Any credit card works with Lenox EasyPay to charge their orders in convenient monthly installments (minimum order $50).
- Lord & Taylor – Apply for the Lord + Taylor Credit Card and start shopping to earn new benefits and privileges.
- Lucky Brand – This American owned denim company offers their own Lucky Brand Rewards Credit Card for financing.
- Lumber Liquidators – Get hardwood floors with nothing down and no interest if paid if full within 6 or 12 months.
- Lumens – No interest if paid in full within 12 months on purchases of $999 or more of modern lighting, ceiling fans, furniture and home decor made with the Lumens Credit card.
- LuxeDH – Make payments on pre owned designer handbags including Louis Vuitton and Chanel with their Luxe Layaway Payment Plan (the balance is split up into 3 payments using your debit or credit card).
- Microsoft – Opt to choose their Surface All Access program which is a financing platform in which you can select installment payments for up 24 months on Microsoft product bundles.
- Midnight Velvet – Low monthly payments and no annual fees with Midnight Velvet Credit, and applying is easy as 1, 2, 3!
- Montgomery Ward – They say “Yes” and frequently provide credit accounts to consumers when other retailers have said “No”! Get quick approval with payments as low of only $10 per month. They offer a giant selection of brand name items including Sony, Mattel, Samsung, Fisher-Price, Hoover, KitchenAid, New Balance, Conair and more.
- Monroe & Main – Wear now and pay later with Monroe & Main Credit. Payments start at just $20 a month. They approve you fast with no big banks involved.
- Overstock – No credit is needed for Overstock's Lease-To-Own option. They also offer $30 Welcome Rewards when you apply for the Overstock Store Card.
- Pay Later Tires – Finance tires on flexible payment plans. You can lease tires with no credit or bad credit with a fast approval process.
- Perpay – Buy products and brands you love and make small, easy payments from your paycheck with no credit check and no interest. Get $50 free credit when you sign up through our link!
- QVC.com – Get more with QVC's QCard! Enjoy 4 Easy Pays on everything you buy with your QCard. Don't have a QCard yet? Get a $20 QVC credit when you open a new QCard and make a purchase.
- Relax The Back – Has their own stress free no interest financing through Synchrony with the Relax The Back credit card.
- Sears – Receive 5% off select departments plus no interest on certain products if paid in full in 24 months with your Sears Card.
- Seventh Avenue– Buy now, pay later with payments as low as $20 a month. Quick approval and no annual fees.
- Smile Direct Club – Get custom clear teeth aligners (compare to Invisalign) with SmilePay: Convenient monthly payments; No credit check and no forms to fill out.
- Southwest Vacations – Pay for your vacation into easy payments with UpLift’s Pay Monthly option that offers an affordable plan of 12 monthly payments and no hidden fees.
- Swiss Colony – Payments start at just $10 a month with easy approval of Swiss Colony Credit.
- Target – Apply for a REDcard debit or credit card for 5% off plus free shipping on every order!
- Tender Filet – Dine now and pay later with Tender Filet Credit. Payments start at just $10 per month and easy approval.
- The Wisconsin Cheeseman– Payments start at only $10 a month with no annual fee with Wisconsin Cheeseman Credit.
- Ulta Beauty – Sign up for an Ultamate Rewards Credit Card or an Ultamate Rewards Mastercard to buy cosmetics, fragrance, salon and beauty gifts on credit while earning rewards.
- Walter Drake – EasyPay is available for credit card orders. The first payment will include shipping & handling fees and sales tax. The balance due will be divided into equal monthly payments.
- Wayfair – Sells a zillion things for your home including affordable living room furniture, bedroom furniture, accent furniture, patio furniture and more. They accept Affirm for payment.
- With Clarity – Try on finely crafted engagement rings at home. Financing is available with the Clarity Credit Card.
- Woman Within – Get $10 off your current order plus a bonus $10 reward when you apply and use a Woman Within Platinum credit card through our link. Benefits include $10 Rewards, 20% off birthday gift, free shipping offers, no annual fee and more platinum perks.
- Zulily – Select Smart-pay when you use your Zulily credit card, and they’ll split your purchase into 3 easy charges. Smart-pay is available only to eligible Zulily members, and there is no need to apply.
- zZounds – “Play As You Pay” installment plan available on orders over $59 with 0% interest charged and no credit check.
More Payment Options
The above stores all offer payment plans with their own store card or financing options. Several hundreds of other stores offer deferred billing through a payment processor. Below is a list of payment processors. Click each link below to learn more about that option, apply and/or see a list of stores that accept payments from that processor.