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 30 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.
- 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.
- 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.
- 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!
- 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!
- 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.
- Fingerhut – Offers thousands of name brand products with no down payment and no layaway with 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!
- 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.
- Gettington – Choose to pay back in 4 payments or up to 24 monthly payments on thousands of brands including Apple, Sony, Dyson, Wii and more. Application takes less than a minute! If you already have a Gettington credit account, click here to shop!
- Ginny’s – There is something for everyone here! 100% Satisfaction Guaranteed with payments as low as $10 per month with Choose ‘N Charge.
- Goodyear – Increase your current rebate on tires and get low monthly payments using the Goodyear credit card.
- 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!
- 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).
- Lumber Liquidators – Get hardwood floors with nothing down and no interest if paid if full within 6 or 12 months.
- 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).
- 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.
- 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 – 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.
- Sears – Receive 5% off select departments plus no interest on certain products if paid in full in 24 months with your Sears Card.
- 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.
- STA Travel – This student and youth travel agent company lets you pay a small deposit upfront ($49-$100) with no interest fees to lock in your trip at today’s price.
- The Real Real – Buy authenticated luxury consignment items, such as preowned designer handbags. Save up to 70% off retail prices and make easy monthly payments with Affirm or PayPal 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.
- Woman Within – Get $10 off your current order plus a bonus $10 reward when you apply and use a Woman Within credit card through our link. Benefits include $10 Rewards, 20% off birthday gift, free shipping offers, no annual fee and more platinum perks.
- zZounds – “Play As You Pay” installment plan available on orders over $59 with 0% interest charged and no credit check.