Shop now pay later options are offered by many shopping websites and apps, allowing you to spread payments conveniently with no hard credit check.
When it comes to managing cash flow and unexpected expenses, there is no doubt being able to defer payment comes in handy as it allows you to buy products with no upfront costs.
With the rise of buy now pay later apps and services, many online shopping portals now allow you to comfortably shop and spread the costs of purchases over a set period of time.
Best Shop Now Pay Later Sites
Here below are the top shopping sites where you can buy now and pay later:
Amazon
Pay with
Affirm, Amazon Monthly
Category
Marketplace
Tip: You can buy almost anything on Amazon. Through its Monthly Payment option, you can defer payments without paying any interest up to 120 days or choose the Affirm method for Pay in 4 purchases.
With one of the largest inventories of products, you can not have a list of shop now pay later sites without mentioning Amazon and even the buy now pay later platforms understand this is also important.
The platform has two options when it comes to the facilities that allow you to spread the cost of your product payments with the Amazon Monthly being an interest-free option that you can use to split the costs into four monthly payments up to 120 days.
Affirm is the other option as the buy now pay later service provider is the only third-party partner regarding the methods of differed payments on Amazon
While the monthly payment is interest-free, it is only available to eligible customers who use Amazon to shop regularly.
To know if you are qualified, simply add the products you want to buy to your cart and proceed to the checkout page where it will be indicated if the items are eligible for interest-free financing.
Nonetheless, Affirm is an alternative you can opt for which also provides a zero-interest pay-in-4 option but on bi-weekly repayment terms.
You can also finance long-term with Affirm for up to 12 months but it comes with interest rates and fee charges depending on the length of the contract.
Abunda
Pay with
Acima, PayPal, Klarna
Category
Product Financing
Tip: This platform aggregates products from Amazon and conveniently allows you to checkout with Acima, Klarna, and PayPal.
Abunda is primarily a shop now pay later platform enabling people to buy any product on Amazon and spread the payments using their accounts owned at Klarna and PayPal.
The platform also supports long-term lease-to-own options through its integration with Acima for all items starting from $300 and not exceeding $4,000.
It is an amazing product financing destination with millions of items aggregated from the Amazon marketplace hence, you are getting every item ordered directly from the Amazon warehouse once you are approved through any of its financing partners.
You can directly search for the product you need on the platform or look for the item on Amazon and simply copy the link.
If you have the link to the product on Amazon, simply paste it into the Abunda search field and submit it for fetching and within seconds, the item will be available for you to purchase on a payment plan.
At checkout, you have the option to select from any of PayPal (minimum $30 cart value), Klarna, and Acima Leasing (minimum $300 cart value) when you want to make payment.
Priority Tire
Accepts
PayPal, Acima, Affirm
Category
Automobile
Tip: Priority Tire is an online automobile retailer that allows shop now pay later financing through its integration with PayPal, Affirm, and Acima.
Priority Tire is one of the best places you can lease-to-own tires online, thanks to its partnership with Acima and affordable pricing which adds to a range of discount promotions it offers.
It has an extensive catalog of tires for various vehicles, including cars, trucks, SUVs, and even specialty vehicles like ATVs and trailers. They offer a wide range of brands, ensuring that you have access to options that meet your specific needs and preferences.
Whether you are looking for all-season, winter, or performance tires, Priority Tire has you covered.
Its user-friendly website has an easy-to-navigate interface enabling you to quickly search for tires by vehicle type, brand, size, or specific tire model, streamlining the shopping process.
Its shop now pay later service is financed through PayPal Credit and the lease-to-own provider, Acima.
One of the key advantages of shopping at Priority Tire is its commitment to affordability. The platform frequently offers discounts, promotions, and deals on its products, making it possible for you to save significantly compared to traditional brick-and-mortar tire shops.
With options with varying sizes for different types of vehicles, you can find tires and accessories that match your preferences when financing products on Priority Tire.
Instacart
Pay with
Klarna
Category
Grocery
Tip: Instacart enables on-demand grocery shopping and delivery by allowing you to get items from your favorite stores delivered to your location. Its ‘shop now pay later’ service is powered through Klarna.
Instacart is a leading on-demand grocery delivery and pickup service that has become a household name, providing convenient and efficient access to groceries from various retailers.
The platform collaborates with various grocery chains, including national and local retailers, making it possible for you to access a broad selection of products from your preferred stores. You can browse through a virtual catalog, add items to your carts, and specify your delivery or pickup preferences.
It allows shop now pay later orders through its integration with Klarna and you can spread the payment for your grocery purchases by choosing Klarna at the checkout point.
You can choose between Instacart’s own inventory, which includes popular items and deals, or shop directly from partner stores. This flexibility appeals to a wide range of shoppers, from those looking for convenience to those who want to maintain a personal connection with their preferred grocery store.
In addition to groceries, Instacart has expanded its offerings to include alcohol delivery, prescription medication, and even partnerships with other retailers beyond grocery stores.
Ticketmaster
Accepts
Klarna, PayPal
Category
Events Tickets
Tip: Ticketmaster is a popular destination for ticket booking relating to concerts, sports events, and so many others.
Ticketmaster is a globally recognized and popular ticketing platform that has revolutionized the way people purchase tickets for live events, including concerts, sports games, theater performances, and more.
It connects fans with their favorite live events by providing a convenient and secure platform for ticket purchases. Through their website and mobile app, you can browse a vast array of events, choose your preferred seats, and complete transactions quickly and efficiently.
The platform allows shop now pay later ticket purchases when you make payments with any of Klarna and PayPal.
One of Ticketmaster’s defining features is its extensive network of partnerships with event organizers, venues, and artists.
This expansive reach allows the platform to offer tickets to a wide range of events, from small local shows to massive international tours.
Its collaborations with various stakeholders help ensure that you have access to tickets for virtually any live event you desire.
When you are making your booking, there is an interactive seat map that allows you to see the view from your chosen seat before purchasing, enhancing the ticket-buying process’s transparency.
Alternative Airlines
Accepts
Klarna, Uplift, Affirm, Afterpay, Zip, PayPal, etc
Category
Flights Booking
Tip: Alternative Airlines is the shop now pay later platform for everything that has to do with flights with hundreds of flight carriers and multiple financing options.
Alternative Airlines is a dynamic and innovative online flight booking platform that has gained prominence for its unique approach to air travel reservations.
When it comes to flights, this is one provider that will be on every list regarding buy now pay later for flights.
The platform provides access to a diverse selection of carriers, including regional and boutique airlines. This approach empowers travelers to explore unconventional routes, discover hidden gems, and customize their itineraries to suit their preferences.
It is one of the flight booking sites that accepts Klarna, Affirm, Afterpay, Zip, PayPal, and hundreds of other payment methods across the globe which makes it a destination of options when it comes to making payments for your flight reservations.
This company is particularly known for its commitment to offering competitive pricing and value for money. They frequently provide deals and promotions, allowing travelers to find affordable flights while also delivering transparency regarding booking fees and charges.
The platform’s user-friendly website and search interface further enhance the booking process. Travelers can easily filter and compare flight options based on factors such as price, duration, layovers, and airline preferences.
Conn’s
Accepts
Own Credits, American First Finance
Category
Furniture, Electronics & Appliances
Tip: Conn’s is a popular platform for purchasing furniture, electronics, and home appliances and you can finance these items through its internal financing options and American First Finance.
Conn’s, short for Conn’s HomePlus, is a prominent retail chain that specializes in the sale of home appliances, electronics, furniture, mattresses, and consumer electronics.
The company offers an extensive array of items for the home, catering to various needs and preferences. Whether customers are looking to furnish their living room, upgrade their kitchen appliances, or purchase the latest technology gadgets, Conn’s aims to be a one-stop destination.
If you want to lease-to-own appliances, electronics, and furniture, this is one of the destinations as it offers financing through America First Finance and its in-house leasing service termed Improvemint Financial.
It differentiates itself by providing flexible financing options. Recognizing that many customers may need assistance when making significant purchases, it has in-house financing programs that allow individuals to buy products on credit with manageable monthly payments. This flexibility has made Conn’s an attractive option for consumers with varying financial backgrounds.
Conn’s has a significant presence with retail stores across multiple states in the southern and southwestern regions. This widespread network of physical locations allows customers to visit stores in person to pick up online orders if requested.
Fingerhut
Accepts
Own Credit
Category
Product Financing
Tip: Fingerhut is a product financing shopping platform that is known for its buy now pay later solution for poor credit accounts.
Fingerhut is an online shop now pay later retail company that specializes in providing a wide range of products to consumers, primarily through its e-commerce platform. It has a long history of offering a diverse selection of merchandise, making it one of the oldest catalog retailers.
The platform offers a vast array of products across various categories, including electronics, appliances, furniture, home decor, fashion, jewelry, toys, and more.
It also partners with numerous well-known brands to provide customers with a wide selection of items, catering to a diverse range of needs and preferences.
One distinguishing feature of Fingerhut is its credit-based shopping model. You can apply for a Fingerhut Credit Account, and upon approval, you can make purchases on credit, paying for your selected items over time through monthly installments.
This credit system allows individuals with varying credit histories to access the products they need or want, even if they may not qualify for traditional credit cards or financing options.
Fingerhut offers flexibility in payment terms, allowing customers to choose from various payment options. They can opt for extended payment plans or pay off their balance early to avoid interest charges.
eBay
Pay with
PayPal Credit
Category
Marketplace
Tip: eBay supports spread payment shopping when you select any of the financing options offered by PayPal at checkout.
eBay is a well-known multinational e-commerce platform that connects buyers and sellers from around the world, allowing them to trade a vast array of new and used products.
It serves as an online marketplace where individuals and businesses can list items they want to sell, while buyers can search and purchase products through the platform. It offers an extensive range of products, including electronics, fashion, collectibles, home and garden items, automotive parts, and much more.
For its shop now pay later option, the platform is one of the online stores where you can use your PayPal account to finance products.
One of eBay’s distinctive features is its auction-style listings. Sellers can choose to list items with a starting bid, and buyers can bid on these items until the auction ends.
Alternatively, sellers can offer products at a fixed price using the “Buy It Now” option, which allows buyers to purchase the item immediately at a predetermined price.
To buy now and pay later conveniently on eBay, select PayPal Credit and you will be required to log into your PayPal account to authorize the purchase with your shopping power.
Best Buy
Pay with
PayPal, Zip, Progressive
Category
Electronics Retailer
Tip: Best Buy allows shop now pay later purchases through its support for PayPal, Zip, Progressive Leasing, and store credit cards.
Best Buy offers a wide range of consumer electronics and appliances, including but not limited to smartphones, laptops, televisions, home theater systems, cameras, gaming consoles, home appliances, and audio equipment.
The company partners with numerous well-known brands and manufacturers to provide customers with an extensive selection of products.
It has support for several financing services including being able to pay in 4 using any of Zip and PayPal or opt for Progressive for its lease-to-own electronics option.
This is one retailer with a lot of consumer base hence, offering buy now pay later capability is a great choice to allow customers to buy their favorite items and spread the payments conveniently.
In addition to the third-party financing options, Best Buy also has credit cards which you can apply for to get additional funds if you meet the basic requirements.
The company also operates the My Best Buy loyalty program, where you can earn points for your purchases and receive rewards, discounts, and exclusive offers.
Target
Pay with
Affirm, PayPal, Own Credit Card
Category
Retailer
Tip: You can buy products on a payment plan when shopping on Target by paying with any of Affirm or PayPal Pay in 4.
This company’s shop now pay later option is limited to Affirm and PayPal Pay in 4 hence, the reason many of the BNPL platforms handle Target through in-app shopping or browser extension.
The platform offers a diverse range of products, including clothing, electronics, home furnishings, groceries, beauty and personal care items, toys, sporting goods, and more.
This store carries both its private label brands and well-known national brands, giving you a wide selection of choices.
When you want to spread the cost of purchases shopping on Target’s website, you can choose between Affirm or the PayPal payment method.
Alternatively, Target’s RedCard CD is its store credit card that can grant a credit of up to a few thousand dollars you can use to buy items from its inventory.
Stoneberry
Pay with
Own credit
Category
Product Financing
Tip: Stoneberry is one of the popular buy now pay later catalog providers with divisions for shopping a variety of products on financing terms.
Stoneberry is a well-established online shop now pay later platform that caters to a wide range of consumer needs. Unlike a physical village, this virtual retailer offers a vast array of products and services to customers.
With a focus on convenience and accessibility, Stoneberry has become a go-to destination for online shoppers seeking quality merchandise and flexible payment options.
From electronics and home appliances to fashion and accessories, you can browse through an extensive catalog to find items that suit your preferences and needs.
The platform works similarly to Fingerhut in that it primarily serves people in need of financing for different kinds of items.
Stoneberry’s division includes Masseys which houses stylish fashion items like footwear and clothing lines, Mason is for brand-name products and K-Jordan picks the best women’s fashion items for seamless shop now pay later shopping.
If you want cosmetics, fragrances, and related products, Stoneberry has Fift & Glam that accommodates all your beauty needs on payment plans.
Newegg
Pay with
PayPal, Zip, Affirm, Store Credit Card
Category
Retailer
Tip: Newegg is an online retailer specializing in consumer electronics and technology products. Through PayPal, Zip, Affirm, and its store credit card, you can shop now and pay later across its categories.
This provider has an extensive catalog of electronics and tech-related items. Whether you are looking for the latest smartphones, laptops, graphics cards, or computer peripherals, Newegg offers a comprehensive range of products from leading brands.
It has become particularly popular among computer builders and gamers due to its wide assortment of gaming PCs and accessories. The platform offers a variety of motherboards, processors, memory modules, graphics cards, and gaming peripherals, making it a one-stop shop for those looking to build or upgrade their gaming rigs.
As a go-to destination for tech enthusiasts, gamers, and anyone seeking a vast selection of electronic gadgets and components, it is essential for users to be able to finance these items considering some could be high for upfront payments.
To enjoy spread payment when shopping on Newegg, you have the option of either choosing its store credit card or opting for PayPal.
Aside from these two split payment methods, Newegg supports shop now pay later purchases when you checkout with any of Affirm or Zip.
Wish
Pay with
Klarna, Afterpay
Category
Marketplace
Tip: Wish is a popular marketplace popular for its discounted pricing and you can shop now and pay later when you select the Klarna or Afterpay payment methods.
Wish is a very popular and unique online shopping platform that has garnered a massive following since its inception. Known for its unique approach to e-commerce, the platform offers an extensive array of products at incredibly competitive prices, often serving as a go-to destination for budget-conscious shoppers seeking a wide variety of items.
One of Wish’s distinguishing features is its emphasis on offering products at highly discounted prices. This is made possible through a model that connects consumers directly with manufacturers and suppliers, cutting out many of the traditional retail markups. As a result, the platform is able to provide items at prices that often seem too good to be true.
Its shop now pay later feature is enabled through its integration with Klarna and Afterpay.
The platform has a user-friendly mobile app and website making it easy for you to browse and explore the platform’s vast offerings.
The app, in particular, provides a personalized shopping experience with recommendations based on user preferences and previous searches, enhancing the overall convenience of the platform.
To spread the cost of your purchases when buying on Wish, simply select any of Klarna and Afterpay to split the payment into four.
Temu
Pay with
Klarna, Afterpay, Temu Credit, PayPal
Category
Marketplace
Tip: Temu is a popular marketplace known for its heavily discounted pricing and it supports shop now pay later purchases through Klarna, Afterpay, PayPal, and its own credit.
Temu, a rising star in the world of online retail, has garnered significant attention and popularity in recent years. This e-commerce platform is a subsidiary of Pinduoduo, a prominent Chinese e-commerce giant, and it brings a unique approach to the digital marketplace.
The platform offers an extensive array of items, ranging from fashion apparel and accessories to cutting-edge electronics and essential home goods.
It is one of the few Chinese companies that features the shop now pay later capability by integrating with popular split payment providers that include Klarna, Afterpay, and PayPal.
What’s more, Temu showcases a wide variety of brands, catering to the tastes and preferences of diverse customers. Whether you are in search of well-known labels or seeking unique, niche brands, Temu provides a marketplace where you can find what you need without breaking the bank.
The marketplace also supports spread payments through its store financing option called the Temu Credit which allows you to pay later for selected products.
Walmart
Pay with
Affirm, Store Credit Card
Category
Retailer
Tip: Walmart allows you to buy now and pay later seamlessly through its integration with Affirm and with its credit card, you can finance products if accepted.
Walmart is a major online retailer that offers a wide range of products at various price points. It is a popular choice for shoppers who are looking for convenience and affordability.
If you are looking for a one-stop shopping destination, Walmart is the place to go. It is a retail giant that offers a massive selection of products, making it incredibly convenient for shoppers like you.
The platform allows shop now pay later purchases and this feature is powered by Affirm. And through its store credit card, you can also qualify for spread payment purchases.
The platform has it all, from groceries and clothing to electronics, home goods, and much more. Whether you need to stock up on household essentials, upgrade your wardrobe, or grab some tech gadgets, you will find what you are looking for.
Walmart is popular for its wide offline outlets and if you have any of its stores nearest to your location, you can directly request a pick-up once your shop now pay later order is accepted.
Bed, Bath & Beyond
Usage
Klarna, Progressive, Store Credit Card
Category
Retailer
Tip: Bed, Bath & Beyond support shop now pay later through its integration with Klarna, or the lease-to-own option provided by Progressive, or opt for its store credit card for product financing.
Bed Bath & Beyond was a well-known chain of retail stores specializing in home goods, decor, and various essential products for bedrooms, bathrooms, and more but now functions as an online-only retailer.
The platform offers an extensive array of products for the home, including bedding, bath towels, kitchenware, furniture, home decor, and much more. The store’s wide variety of items caters to the diverse needs of homeowners and renters alike.
Its support for Progressive Leasing makes it one of the top places where you can buy and pay later for furniture on lease-to-own terms as well as other products.
This platform has a robust online presence. You can browse and purchase products on the website or mobile app, offering added convenience and accessibility.
Aside from having Progressive Leasing as one of its shop now pay later enablers, you can also select from any of Klarna and its store credit card to spread the cost of purchases.
Walgreens
Pay with
PayPal, CareCredit, Store Credit Card
Category
Pharmacy
Tip: You can finance OTC items including contact lenses and personal care products when you shop at Walgreens through its support for PayPal Credit and its store credit card.
At the core of Walgreens’ business is its pharmacy services. you can fill prescriptions, receive immunizations, consult with pharmacists, and access a wide range of over-the-counter medications and health-related products.
It stocks an extensive selection of health and wellness items, including vitamins, supplements, first-aid supplies, personal care products, and medical equipment. This diverse inventory caters to customers seeking products for their well-being and it is one of the online stores where you can use your FSA & HSA cards.
Through PayPal Credit, you can split your health product purchases on the Walgreens website and it also has its store credit card that can grant you access to funds to finance medics with no upfront worries.
Its locations are known for their convenient hours of operation, with many stores open 24/7. This accessibility makes it a reliable choice for urgent health needs or last-minute shopping.
With a huge physical presence, it is one of the pharmacy chains where you can finance health items with a CareCredit Card.
Wayfair
Pay with
Affirm, Katapult, Acima, Bread, Citizens, Store Credit Card
Category
Furniture Retailer
Tip: Wayfair allows shop now pay later orders for furniture and other products through Affirm, Bread Pay, Acima, Katapult, Citizens Pay, and its store credit card.
Wayfair boasts a comprehensive catalog of home goods, including furniture, bedding, lighting, rugs, kitchenware, outdoor furnishings, and much more. With millions of items available, it provides shoppers with a wide array of options to suit various tastes and styles.
Operating primarily as an online shopping platform, Wayfair allows you to browse and purchase products from the comfort of your home.
It is one of the online stores that support shop now pay later purchases through arrays of services including Affirm, Bread Pay, and Citizens Pay.
It also extends a leasing option through Katapult and that is in addition to being one of the online stores that supports lease-to-own with Acima.
The platform is known for its competitive pricing, often offering discounted and budget-friendly options. Frequent sales events and promotions further enhance its affordability, making it attractive to cost-conscious consumers.
Its shop now pay later service is also boasted through its store credit card which you can apply for to get more funds for furniture and home items shopping.
Mercari
Pay with
Zip, PayPal
Category
Marketplace
Tip: Mercari is a Japanese Marketplace known for its cheap product prices and supports Zip and PayPal for pay-in-4 shopping.
Mercari is a Japanese-origin, multinational online shopping destination known for its user-friendly interface and mobile app, allowing individuals to buy and sell a wide range of items online.
The marketplace hosts an extensive assortment of products, including clothing, electronics, toys, collectibles, home goods, and more. It has expanded its presence beyond Japan, making it accessible to international buyers and sellers. This broadens its user base and product offerings.
When it comes to shop now pay later financing while shopping on the Mercari website, you can choose between any of PayPal Credit and Zip.
This community-powered marketplace is home to millions of shoppers globally with many items sold at cheap prices.
The platform offers communication tools, such as in-app messaging, to facilitate interactions between buyers and sellers. This helps users clarify details, negotiate prices, and address any questions or concerns.
Simply add items to your cart and checkout with any of the pay now pay later services to spread the payment effortlessly.
Stockx
Pay with
Affirm
Category
Marketplace
Tip: Though known for its sneakers and related fashion items, the marketplace has expanded into other categories and you can shop now and pay later using Affirm on Stockx.
StockX is a unique and innovative online marketplace that has revolutionized the way people buy and sell sneakers, streetwear, electronics, and collectibles.
It is primarily recognized for its marketplace for sneakers and streetwear fashion. Users can buy and sell sought-after sneakers from brands like Nike, Adidas, and Yeezy, as well as streetwear clothing and accessories from popular labels.
If you want to shop now and pay later on Stockx, simply select Affirm when you are on the payment page.
It uses a bid-and-ask system similar to stock markets. Sellers list items with an asking price, and buyers can place bids at their preferred price. When a bid matches a seller’s ask, a transaction occurs.
The platform provides real-time market data, displaying the latest buying and selling prices for items. This transparency helps users make informed decisions about when to buy or sell.
While it started as a sneaker marketplace, it has expanded into other categories, including electronics (like gaming consoles), collectibles (such as trading cards), and watches, broadening its appeal to a wider range of consumers.
Shop now pay later services can provide you with greater financial flexibility and allow you to acquire necessary or desired items without having to pay the full cost upfront
Ultimately, the suitability of SNPL services depends on your financial situation, discipline, and specific needs. With thousands of shopping portals supporting this, you should be able to find somewhere you can finance products and services seamlessly online.
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