Here is a list of my top ten online stores that offer payment plans so you can buy what you need now and pay for it later over time with deferring billing monthly payments. Most do not require any credit check.
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Montgomery Ward 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. They offer a giant selection of brand name items including Sony, Mattel, Samsung, Fisher-Price, Hoover, KitchenAid, New Balance, Conair and more. Shop Wards.com now!
Get an instant $500 credit limit with no credit check and no employment check. Bad credit? No credit? No problem! Activate your free Horizon Gold Account now!
Conn's 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. They say “yes” when other stores say “no”. Shop Conns.com now!
There is something for everyone at Ginny's! 100% Satisfaction Guaranteed with payments as low as $10 per month. Shop Ginnys.com now!
Get special financing options on furniture and home decor with no money down. Can be combined with discount offers. Click here for more info.
6. Country Door
Decorate now and pay later! Easy account set-up, no annual fees and monthly payments as low as $20. Shop CountryDoor.com now!
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!
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!
10. Walter Drake
Walter Drake offers “EasyPay” for credit card orders. The first payment will include shipping and handling fees and sales tax. The balance due will be divided into equal monthly payments. Shop WDrake.com now!
You may need a valid credit card or debit card or sign up for inhouse credit at some of the above online stores that accept payment plans. If you do not have a credit card or debit card or you just prefer to be billed later, I suggest using Affirm or QuadPay. Click the respective links to see a list of participating stores that accept payment plans with those options.
Click for more stores that offer buy now, pay later.