8 Easy Buy Now Pay Later Stores

Buy Online Now, Pay Later
Here is a list of my top eight online buy now pay later stores that offer deferred billing so you can buy what you need now and pay for it later over time with monthly payment plans.


Choose from 4 or up to 24 monthly payment options on thousands of brands including Apple, Sony, Dyson, Wii and more at Gettington. Application takes less than a minute! If you already have a Gettington Credit Account, click here to shop!

Bradford Exchange

The Bradford Exchange makes 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! Shop BradfordExchange now!


Fingerhut sells thousands of name brand products with no down payment due and no layaway. Plus Fingerhut offers affordable monthly payments. They to say “Yes!” when others say “No” if you have less than great credit. If you already have a Fingerhut Credit Account, click here to shop!


There is something for everyone at Ginny’s! 100% Satisfaction Guaranteed with payments as low as $10 per month. Shop Ginnys.com now!

Home Shopping Network

Buy Now, Pay Later with HSN 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.  Shop HSN now!


QVC offers Easy Pay where you can spread out your payments over the designated number of payments at no extra charge when you order using any major credit card. Shop QVC.com now!

Nectar Sleep

Nectar offers a 6-month no-interest financing plan with payments on your debit or credit card. No credit check is required and approval is instant. Plus they offer 365 day trial guarantee with free shipping back if not satisfied! Shop NectarSleep.com now!

Montgomery Ward

Buy Now, Pay Later with Choose ‘n Charge at Montgomery Ward’s. Get Brand Name Gifts for Everyone on Your List with payments starting as low as $20 a month!  Shop Wards.com now!

Can’t find what you’re looking for? Check Into Cash offers payday loans from $100 to $1000 deposited into your bank account to spend anywhere. Apply for free in minutes!

You must have a valid credit or debit card or sign up for inhouse credit at the above locations.  If you do not have a credit or debit card or you just prefer to be billed later, I suggest using Affirm or FuturePay.  Click the respective links to read more about each option as well as see a list of participating stores.

More Buy Now, Pay Later Offers.  

8 Easy Buy Now Pay Later Stores

About the Author

Kim has been helping people save time and money online since 1998. Follow Kim's Personal Accounts on Google and Twitter. And see all of Kim's sites at KIMarketing.com.


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