Buy Online Now, Pay Later

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.


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!

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 now!

Horizon Outlet

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!

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 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 $20 per month. Shop now!

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!

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 now!


Choose Figi’s Credit at checkout to make 3 deferred, low monthly payments with no interest due. The offer “Gifts in Good Taste”. Shop now!

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

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 FuturePay.  Click the respective links to see a list of participating stores that accept payment plans with those options.

More Buy Now, Pay Later Offers.  

Online Stores That Offer Payment Plans