Buy Toys Now, Pay Later with Stores offering Deferring Billing

With the recession still looming over us, many (me included) have cut back on buying Christmas gifts for loved ones. But how do you tell little children that Santa Claus can't leave them any toys under the tree this year?! No one has the heart to do that.


Luckily merchants know that money is especially tight around the holidays so are offering deferred billing options so we can buy toys now and pay for them later!

Montgomery Ward

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 Disney, Mattel, Fisher Price and other name brand toys. I remember shopping at Montgomery Ward stores years ago, but they are  strictly online now! Shop now!

Home Shopping Network

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!

Horizon Outlet

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.

Bradford Exchange

The Bradford Exchange Online offers installment payment plans on collectible dolls, trains, toys and more; an affordable way to shop because they spread the total cost of an item over several months. Shop BradfordExchange now!


Amazon offers a free $50 gift card for applying and getting approved for their Amazon Rewards Visa Card that you can instantly apply towards new toys plus earn 3% back on your Amazon purchase. Shop now!

Can't find the toys that you're looking for? Check Into Cash offers short-term loans from $100 to $1000 deposited into your bank account to spend anywhere. Apply for free in minutes!

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 AffirmKlarna and/or Blispay. 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.

Buy Toys Now, Pay Later

Buy Toys Now, Pay LaterBuy Toys Now, Pay Later with Stores offering Deferring Billing


  1. Avatar
    fonda December 19, 2012
    • Avatar
      Awilda Rodriguez October 25, 2019
  2. Avatar
    Della September 13, 2016
  3. Avatar
    Linda Smith September 15, 2018

Leave a Reply

Your email address will not be published. Required fields are marked *

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