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.
Christmas will be here before you know it, and kids are already making up their wish lists for Santa! Don't disappoint them if you can't afford to pay for presents under the tree. All of the following online stores allow you to buy now and pay later with deferred payment options.
Montgomery Wards says “Yes” and frequently provides credit accounts to consumers when other retailers have said “No”! Get quick approval up to $100 credit with payments of only $10 per month. Shop for Mattel, Fisher Price, Disney and other name brand toys you know and trust.
In This Post:
Toy Universe (Australia/NZ)
*now also shipping to the US. This store takes everything from Afterpay, to Zip Pay, LayBuy, HUMM and Latitude. A perfect one-stop-shop for all your toy needs year-round!
Your source for everything Disney, including all the latest in Princesses and Superhero toys. For the big kids find a huge assortment of Disney collectibles and games. The Disney store doesn't take BNPL yet, but you can get discounts and special financing offers when you use the Disney Credit Card. Current offer includes – Earn a $100 Statement Credit after you spend $100 in your first 3 months with a new Disney® Visa® Card.
All parent's know a trip to the Target toy aisle is bound to be expensive, so consider doing your Target toy shopping online! Pay over time with Affirm on orders over $100. Shop toys for infants to big kids and find all the trending toys for this year.
Amazon has stepped up their toy selection and now even offer an annual Toy Catalog, ala the ones we got as kids from Toys R US! Shop all the popular “it” toys of the year for kids of all ages and benefit from fast delivery. Buy Now Pay later options available on select products or use the ShopAbunda site to buy almost anything on Amazon using BNPL partners.
GameStop is the must shop destination for adult gamers and all the coolest electronic toys, consoles and games that your bigger kids and adults will be thrilled to get for Christmas, Birthdays or any special occasion. Pay in 4 with Paypal at GameStop with 4 interest-free payments every 2 weeks, starting today, with no late fees and no impact to your credit score. Available on purchases from $30-$1,500.
Buy Now, Pay Later with HSN Flex Pay which is only available on electronics, but what kid doesn't want a computer, camera or mp3 player? With no fees or interest, it's better than layaway. Shop HSN now!
Get an instant $500 credit limit with no credit check and no employment check to shop at The Horizon Outlet. Have bad credit? Or no credit? No problem! Activate your Horizon Outlet account now.
You usually have a valid credit or debit card, or sign up for in-house credit at the above merchants. If you do not have a credit or debit card or you just prefer to be billed later, I suggest using Affirm, Blispay or Klarna . Click the respective links to read about each option plus see a list of participating stores. Or click for a full list of buy now pay later stores.
The following online stores all sell toys AND accept PayPal, so you can choose PayPal Credit (formerly Bill me Later) at checkout to make monthly payments. Pay no interest if paid in full in 6, 12 or 18 months with minimum monthly payments.
– Toys for Infants to Big Kids
|Little Tikes||– Ride on Toys|
– Barbies, Toy Cars and more
– Learning Toys for the preschool set
– The ultimate toy store with every popular toy
– Superstore for toys
– Daily deals on toys
Ginny’s allows you to buy now and pay later with Choose & Charge. There are no annual fees and monthly payments start at $10 per month. Plus they carry a great selection of indoor and outdoor toys and games with personalization available.
Horizon Outlet offers an instant $500 credit limit with no credit check and no employment check. Bad credit? No credit? No problem!
The older my kids get, the more expensive items they have on their Christmas wish lists! Where was the internet and all these deals back then when I needed them?!