Buy now pay later clothes options enable you to wear the outfits you need without the immediate upfront cost and require no hard credit check.
The ability to stay on-trend and express personal style often has to do with accessibility and flexibility in purchasing.
With buy now pay later options with no credit check, you can acquire your favorite apparel without the immediate financial strain, providing a convenient alternative to upfront payments.
Best Buy Now Pay Later Clothes Stores
Below are the top retailers offering buy now pay later for clothes:
Amazon
Accepts
Amazon Pay, Affirm, Citi Flex
Category
Marketplace
Tip: Amazon enables buy now pay later clothes shopping through its monthly payment option, Affirm, Prime Visa installments, and Citi Flex Pay. You can also use Klarna, Afterpay, PayPal, and others through virtual cards, browser extensions, and other channels.
Amazon redefines fashion shopping by offering a variety of convenient financing options you can use on the platform.
Through services like Affirm, Prime Visa installments, and Citi Flex Pay, customers can enjoy flexible payment plans.
The possibility of using Klarna, Afterpay, and PayPal as part of the apps for buy now pay later on Amazon further widens payment options.
Many of these are usable on the marketplace through virtual cards, browser extensions, and various channels.
Amazon’s commitment to convenience expands choices for users seeking a range of payment methods beyond traditional norms.
Whether browsing for contemporary trends or timeless wardrobe staples, Amazon’s user-friendly interface ensures a seamless shopping experience.
The platform’s diversified buy now pay later clothes purchase options cater to the evolving preferences of consumers.
Abunda
Accepts
PayPal, PayTomorrow, Acima, Klarna
Category
Financing
Tip: Abunda is a financing platform that enables buy now pay later clothes shopping through its website that gives you access to buy any product on Amazon and pay with payment methods like PayPal, Klarna, PayTomorrow, Acima, and others.
Abunda presents an innovative approach to buy now pay later clothes shopping, acting as a financing gateway that facilitates deferred payments for Amazon products and more.
It collaborates with established financing options like PayPal, Klarna, and Acima, a prominent lease-to-own provider accepted by various merchants.
It distinguishes itself through its expansive inventory sourced directly from Amazon, offering an extensive selection for users seeking flexibility in payment options.
A notable feature is the Paste Tool, which allows users to convert any Amazon product link into a lease-to-own or pay-later option within the Abunda platform.
Unlike traditional financing services, Abunda does not maintain its inventory; instead, products are shipped directly from Amazon upon order completion.
This unique model provides users with access to a wide range of products while enjoying the convenience of deferred payments.
Temu
Accepts
Klarna, Afterpay, Affirm, PayPal
Category
Marketplace
Tip: Temu is another good destination offering buy now pay later clothes options with multiple channels like Klarna, Afterpay, Affirm, and PayPal accepted.
Buy now pay later payment methods on Temu are popular options and you will possibly be able to use one of them to finance items on its amazing marketplace.
It provides access to an extensive range of products, including electronics, hair extensions, appliances, and others while prioritizing convenient and flexible payment solutions.
You can enjoy the benefits of popular BNPL services such as Klarna, Afterpay, Affirm, and PayPal.
These options allow users to make immediate purchases and spread payments over time, accommodating various budget preferences.
Temu’s commitment to integrating multiple BNPL providers reflects its dedication to enhancing the shopping experience, providing users with financial flexibility and choice.
Shein
Accepts
Klarna, Affirm, PayPal, Afterpay, Zip
Category
Marketplace
Tip: Buy now pay later clothes shopping on Shein is impressive as it supports almost all the popular names when it comes to BNPL.
Shein, a prominent online fashion and home goods retailer stands out for its trendy and affordable clothing options.
Embracing the convenience of modern shopping, Shein offers various payment methods, including the popular buy now pay later services, Klarna, Afterpay, Affirm, Zip, and PayPal.
The integrations with all these BNPL platforms enhance the shopping experience for users, allowing them to make immediate purchases and spread payments over time.
These installment payment options align with Shein’s commitment to providing flexible and accessible payment solutions for its customers.
With a vast array of fashionable items and the added convenience of spread payment, Shein continues to cater to the evolving preferences of online shoppers, offering both style and financial flexibility.
H&M
Accepts
Klarna
Category
Retail
Tip: H&M accepts Klarna, enabling you to enjoy buy now pay later clothes purchases and also for other fashion products.
H&M, a prominent player in the fashion industry, has integrated Klarna into its payment options, signaling a commitment to enhancing the shopping experience for its customers.
With Klarna, H&M shoppers gain access to buy now pay later clothes options, allowing them to make immediate purchases and spread the payments across installments.
This strategic partnership reflects H&M’s responsiveness to evolving consumer preferences, providing financial flexibility to its diverse clientele.
By accepting Klarna, H&M not only stays at the forefront of fashion trends but also aligns itself with modern payment solutions, catering to the needs of individuals who value both style and convenient payment options in their shopping journey.
ASOS
Accepts
PayPal, Klarna
Category
Retail
Tip: ASOS also provides support for buy now pay later clothes shopping through its integration with PayPal and Klarna.
You can discover fashion freedom at ASOS, where style meets convenience.
The platform goes beyond trendy attire by offering flexible payment solutions, integrating Klarna and PayPal into your shopping experience.
With Klarna, you can conveniently split payments and manage your budget, and so can PayPal, ensuring a secure and smooth checkout process.
ASOS recognizes the importance of self-expression in fashion and, with these payment options, offers a shopping experience that caters to your preferences.
So, dive into the world of fashion trends, curate your wardrobe, and let ASOS enhance your shopping experience with payment flexibility and individuality.
Nordstrom
Accepts
PayPal, Afterpay, Affirm
Category
Retail
Tip: If opting for buy now pay later clothes purchases on Nordstrom, you can use PayPal, Afterpay, or Affirm at checkout.
Nordstrom, the renowned fashion destination, prioritizes customer convenience by offering various payment options.
You can make purchases using PayPal, a widely recognized and secure digital payment method that streamlines transactions with financing options like Pay-in-4 and PayPal Credit.
The integration of Afterpay at Nordstrom allows shoppers to break down their payments into manageable installments, promoting budget flexibility.
Additionally, Nordstrom works with Affirm, providing an alternative financing option for those seeking personalized payment plans.
This variation of payment choices not only enhances the convenience of shopping at Nordstrom but also caters to individual preferences, making high-end fashion accessible to all.
Macy’s
Accepts
Klarna
Category
Retail
Tip: Macy’s accepts Klarna as its buy now pay later financing provider for purchasing fashion, home goods, and other products.
Macy’s, a renowned department store, enhances the shopping experience by accommodating various payment preferences, including the convenience of Klarna.
With Klarna integration, you can explore a buy now pay later clothes option, allowing you to split your payments into manageable installments.
This financing also extends to home goods, including being able to buy now and pay later for furniture, kitchenware, decor, and others.
This ensures that you can enjoy a seamless and personalized shopping journey at one of the nation’s most iconic department stores.
Zappos
Accepts
Amazon Pay, Afterpay
Category
Retail
Tip: You can enjoy buy now pay later clothes purchases on Zappos when you checkout with any of Amazon Pay and Afterpay.
Zappos, a prominent online footwear and clothing retailer, elevates the shopping experience by embracing diverse payment options, including the convenience of Amazon Pay and Afterpay.
This strategic integration enables customers to enjoy added flexibility and convenience when making purchases on the platform.
With Amazon Pay, Zappos users can leverage their existing Amazon account for a seamless checkout process, including being able to spread payment using Citi Flex Pay and Prime Visa Installment.
Additionally, the inclusion of Afterpay facilitates a buy now pay later approach, allowing shoppers to split their payments into manageable installments, catering to a broader range of budget preferences.
Old Navy
Accepts
Apple Pay, PayPal, Afterpay
Category
Retail
Tip: To utilize buy now pay later clothes payment options, you will have to choose between Afterpay, PayPal, and Apple Pay when shopping at Old Navy.
When shopping at Old Navy, you will enjoy the convenience of utilizing popular digital payment solutions, including Apple Pay and PayPal.
These options streamline the checkout process, providing a secure and efficient way for users to complete their transactions with the ability to spread the payments.
Old Navy has also integrated Afterpay into its payment options, enabling buy now pay later clothes shopping as well as financing for other items.
Afterpay empowers shoppers to break down their total purchase amount into smaller, interest-free installments, spreading the cost over several weeks, similar to using any of its other supported options.
Fashion Nova
Accepts
Zip, Afterpay
Category
Retail
Tip: Fashion Nova accepts Zip and Afterpay as its buy now pay later clothes financing providers.
Fashion Nova, a trailblazing fashion brand, has become a powerhouse in the world of online retail, particularly in the area of trendy and affordable clothing.
The brand not only keeps pace with the latest fashion trends but also prioritizes a seamless and enjoyable shopping experience for its customers.
To enhance this experience, Fashion Nova has strategically integrated a range of payment options, including Zip and Afterpay, catering to diverse preferences and financial needs.
Zip allows you to split your total purchase amount into interest-free installments, making fashion more accessible by offering a budget-friendly approach to shopping.
In addition to Zip, Fashion Nova accepts Afterpay, another popular BNPL service. Afterpay empowers shoppers to enjoy their chosen styles immediately and pay for them over time in manageable installments.
Target
Accepts
Affirm, PayPal
Category
Retail
Tip: Target directly accepts Affirm and PayPal which you can use for buy now pay later clothes shopping online as well as in-store.
Target, a retail giant renowned for its vast selection of products, has evolved into a one-stop shopping destination known for convenience, quality, and affordability.
Among its payment options, it has Affirm and PayPal integrated enabling customers to split their purchases into manageable installments, offering a budget-friendly approach to shopping.
You can buy now and pay later on Target a range of products including clothing, appliances, electronics, and more.
An amazing reason you might want to consider this platform is its physical store locations as it also allows walk-in pick-ups for its online orders.
Target facilitates seamless transactions through multiple channels and you can enjoy buy now pay later clothes purchases when you checkout with either Affirm or PayPal.
Free People
Accepts
Afterpay, Klarna
Category
Retail
Tip: Free People accepts Afterpay and Klarna which you can use for buy now pay later clothes purchases as well as other amazing fashion product collections.
Free People, a prominent women’s fashion brand under the URBN portfolio, is known for its distinctive bohemian and free-spirited aesthetic.
With a diverse array of clothing including dresses, tops, bottoms, outerwear, activewear, and accessories, it embodies a laid-back, yet chic style.
While offering a seamless online shopping experience, Free People also maintains a presence in physical stores, creating a dynamic, multi-channel approach to retail.
If you want to explore buy now pay later clothes shopping in-store, you can try this platform as it has a number of offline locations that accept financing options.
When shopping on its website, you can enjoy spread payments by selecting Afterpay or Klarna to complete your order.
American Eagle
Accepts
Afterpay, Apple Pay, PayPal
Category
Retail
Tip: American Eagle accepts Afterpay, Apple Pay, and PayPal which you can use for buy now pay later clothes financing.
American Eagle is known for its trendy and casual clothing, with a special emphasis on denim, graphic tees, and cozy loungewear.
The Aerie sub-brand is focused on intimates and loungewear for comfortable and body-positive undergarments.
The brand’s presence spans both brick-and-mortar stores and a robust online platform, offering a seamless shopping experience.
It is on this list of top buy now pay later clothes destinations for its acceptance of Afterpay, Apple Pay, and PayPal.
Beyond clothing, American Eagle extends its product range to accessories, footwear, and personal care items. You can also finance all these items at checkout.
Revolve
Accepts
Afterpay, Zip, PayPal
Category
Retail
Tip: Revolve accepts Afterpay, PayPal, and Zip as its buy now pay later clothes financing options which also applies to other products on its website.
Revolve is known for its curated selection of high-end brands and has become a go-to destination for fashion enthusiasts seeking the latest styles.
The platform features an extensive collection of clothing, accessories, and footwear from both established designers and emerging labels, catering to a diverse range of tastes and preferences.
Apart from being able to utilize its buy now pay later clothes financing options, these are also available for products such as trendy shoes and beauty products.
At the heart of Revolve’s success is its ability to bridge the gap between luxury and accessible fashion.
The platform’s innovative approach to e-commerce includes features like 360-degree product views and detailed size guides.
Urban Outfitters
Accepts
PayPal, Afterpay, Klarna, Apple Pay
Category
Retail
Tip: You can buy now and pay later for clothes and other items on Urban Outfitters by paying with PayPal, Afterpay, Klarna, and Apple Pay.
Urban Outfitters is a prominent lifestyle retail company that has solidified its place as a trendsetting destination for fashion, home goods, and eclectic lifestyle products.
The brand has evolved into a cultural hub, known for its distinctive style, diverse product offerings, and immersive shopping experience.
In addition to providing a seamless e-commerce platform that enables you to shop online, it also has retail stores where you can walk in for an in-person experience.
Urban Outfitters caters to a broad spectrum of styles, from bohemian and vintage-inspired looks to contemporary streetwear.
With its support for PayPal, Afterpay, Klarna, and Apple Pay, you can enjoy buy now pay later clothes purchases and other products.
Lulus
Accepts
PayPal, Klarna, Afterpay
Category
Retail
Tip: Lulus accepts PayPal, Klarna, and Afterpay for spread payments on product categories that include clothing, shoes to fashion accessories.
Lulus is another online fashion retailer that has carved a niche for itself in the competitive world of e-commerce by offering a diverse and trend-forward selection of clothing, shoes, accessories, and more.
From casual wear to formal dresses, Lulus curates a collection that embraces the latest fashion trends while maintaining a timeless and elegant appeal.
The brand offers a wide range of sizes, aiming to cater to diverse body types and ensuring that fashion is accessible to everyone.
In terms of its buy now pay later clothes financing, you can use any from a list that includes PayPal, Klarna, and Afterpay at checkout.
Aritzia
Accepts
Afterpay, PayPal
Category
Retail
Tip: You can buy now and pay later at Aritza using any of Afterpay and PayPal. With its physical locations, you may be able to finance your purchases with Afterpay in-store.
Aritzia is a Canadian women’s fashion brand that has grown popular for its contemporary and minimalist approach to design.
It ships globally and you can enjoy buy now pay later clothes purchases on its website when you make payment through Afterpay or PayPal.
The brand focuses on creating versatile and sophisticated collections that seamlessly transition from casual to formal settings.
Aritza also has offline store locations in the United States with in-store pick-up available when making your orders on its website.
Gap
Accepts
Apple Pay, PayPal, Afterpay
Category
Retail
Tip: Gap accepts Afterpay, Apple Pay, and PayPal hence, a good destination to enjoy spread payments on clothes for its vast collection, especially denim wear.
Gap has become an iconic American brand synonymous with casual and comfortable fashion.
Over the years, the brand has played a significant role in shaping the retail landscape, offering a wide range of apparel and accessories for men, women, and children.
The brand’s signature casual style often incorporates timeless basics, denim essentials, and versatile wardrobe staples.
Denim has been a cornerstone of Gap’s identity, and the brand has consistently delivered denim products that resonate with consumers.
From classic jeans to innovative designs, Gap’s denim collections have remained popular and have contributed to the brand’s enduring appeal.
When shopping on its website, you can opt for buy now pay later clothes financing as it accepts Apple Pay, PayPal, and Afterpay.
Bloomingdales
Accepts
PayPal, Klarna
Category
Retail
Tip: Bloomingdales’ buy now pay later clothes and home goods purchase is powered by Klarna and PayPal.
Bloomingdale’s stands as a luxury department store with a rich history and a reputation for offering a curated selection of high-end fashion, accessories, beauty, and home goods.
With its iconic brown bags and distinctive image, Bloomingdale’s has become synonymous with upscale shopping experiences.
Bloomingdale’s commitment to providing an elevated shopping environment is evident in its carefully curated merchandise mix, featuring top-tier brands and designer collections.
The department store caters to a select clientele seeking premium and exclusive products across various categories, including fashion, beauty, and home decor.
With its acceptance of Klarna and PayPal, you can get what you need from its vast inventory and enjoy installment payments.
StockX
Accepts
PayPal
Category
Marketplace
Tip: StockX accepts PayPal hence, you will be able to utilize Pay-in-4 and PayPal Credit on this marketplace.
StockX is an online marketplace that combines elements of e-commerce and a stock market platform, creating a unique space for buying and selling coveted consumer products.
You will primarily see products that include sneakers, streetwear, electronics, and other high-demand items on this platform with a good apparel collection.
The platform employs a stock market-inspired model, displaying real-time market data, including recent sale prices and overall market trends.
It has become synonymous with the sneakerhead culture, offering a vast and diverse selection of sneakers from popular brands.
When it comes to buy now pay later clothes shopping and other fashion wear purchases, the option is limited to PayPal.
Anthropologie
Accepts
PayPal, Klarna, Afterpay
Category
Retail
Tip: Anthropologie accepts Klarna, Afterpay, and PayPal for its buy now pay later clothes and home goods purchases.
Anthropologie, part of the URBN brand portfolio, is a lifestyle retailer known for its distinctive blend of bohemian-chic aesthetics, curated fashion, and eclectic home decor.
It offers a diverse range of women’s apparel, accessories, and home goods that resonate with a free-spirited and artistic audience.
The brand curates collections that seamlessly blend vintage-inspired designs with contemporary trends, creating a unique and timeless appeal.
The home and lifestyle category at Anthropologie features an array of distinctive and globally inspired products.
From furniture and decor to kitchenware and bedding, each piece exudes a sense of individuality and creativity.
Similar to its sister companies within the URBN family, it supports buy now pay later clothes purchases and you can pay with PayPal, Klarna, and Afterpay.
Lululemon
Accepts
Afterpay, Klarna, PayPal
Category
Retail
Tip: Lululemon accepts Afterpay, PayPal, and Klarna as its buy now pay later clothes and activewear financing providers.
Lululemon Athletica, commonly known as Lululemon, has become synonymous with premium activewear and lifestyle apparel.
Beyond clothing, Lululemon has successfully expanded its product range to include accessories, footwear, and lifestyle items.
The brand’s accessories, such as yoga mats, water bottles, and bags, align with its holistic approach to health and wellness.
Its physical stores often serve as hubs for local fitness communities, fostering a sense of belonging and encouragement among customers pursuing an active lifestyle.
Lululemon’s buy now pay later clothes financing is powered by Afterpay, Klarna, and PayPal which will enable you to enjoy spread payments for its athletic apparel.
Nike
Accepts
PayPal, Klarna
Category
Retail
Tip: Nike supports buy now pay later clothes financing for its apparel through Klarna and PayPal.
Nike, Inc., a global powerhouse in the athletic footwear, apparel, and equipment industry, stands as an iconic symbol of sport, style, and innovation.
Its extensive product range caters to athletes of all levels and sports, from running and basketball to soccer and golf.
While its renowned Air Max, Air Force 1, and Jordan lines have become popular among sports enthusiasts, it also offers different kinds of apparel.
With its acceptance of Klarna and PayPal, you enjoy buy now pay later clothes financing without worrying about the upfront costs.
Adidas
Accepts
Affirm, Afterpay, PayPal, Klarna
Category
Retail
Tip: Adidas accepts PayPal, Klarna, Affirm, and Afterpay for product financing and you can spread payments for its apparel and other items using any of them.
Adidas has grown to become one of the world’s leading athletic and lifestyle brands, synonymous with innovation, performance, and style.
The brand’s diverse product range spans multiple sports, including soccer, basketball, running, and more.
It has an intuitive website with categories that allow for quick access to products for football, basketball, tennis, cycling to other sports.
Its clothing category houses items such as hoodies, t-shirts, tracksuits, and more with all available for men and women in varying sizes.
You have multiple options when it comes to buy now pay later clothes shopping on Adidas as it supports Affirm, Afterpay, PayPal, and Klarna.
Complete List of Buy Now Pay Later Clothes Stores
The table below contains a list of 57 plus online stores offering buy now pay later for clothes purchases:
STORE | CATEGORY | ACCEPTS |
|---|---|---|
Abunda | Financing | PayPal, PayTomorrow, Acima |
Adidas | Retail | Affirm, Afterpay, Klarna, PayPal |
Aerie | Retail | Afterpay, Apple Pay, PayPal |
Amazon | Marketplace | Amazon Pay, Affirm, Citi Flex Pay |
American Eagle | Retail | Afterpay, Apple Pay, PayPal |
Ann Taylor | Retail | PayPal |
Anthropologie | Retail | PayPal, Klarna, Afterpay |
Apparel Candy | Retail | Zip Pay, AfterPay, Klarna, Sezzle, Amazon Pay, PayPal |
Aritzia | Retail | Afterpay, PayPal |
Ashro | Catalog Financing | Own Credit |
ASOS | Retail | PayPal, Klarna |
Bare Necessities | Retail | Apple Pay, PayPal, Afterpay |
Bershka | Retail | PayPal |
Between The Sheets | Retail | PayPal |
Bloomingdales | Retail | PayPal, Klarna |
Brook There | Retail | Shop Pay |
City Chic | Retail | Afterpay, Klarna |
Everlane | Retail | Afterpay |
Express | Retail | Klarna |
Farm Rio | Retail | Amazon Pay, PayPal |
Fashion Nova | Retail | Zip, Afterpay |
Finish Line | Retail | Afterpay, Klarna |
Fleur du Mal | Retail | PayPal, Amazon Pay, Afterpay |
Forever 21 | Retail | Paypal, Klarna, Amazon Pay |
Francesca's | Retail | PayPal, Afterpay |
Free People | Retail | Afterpay, Klarna |
Gap | Retail | Apple Pay, PayPal, Afterpay |
H&M | Retail | Klarna |
Lane Bryant | Retail | PayPal |
Loft | Retail | PayPal |
Lulu's | Retail | PayPal, Klarna, Afterpay |
Lululemon | Retail | Afterpay, Klarna, PayPal |
Macy's | Retail | Klarna |
Madewell | Retail | Afterpay |
Midnight Velvet | Catalog Financing | Own Credit |
ModCloth | Retail | Apple Pay, Amazon Pay, AfterPay, Klarna |
Monroe and Main | Catalog Financing | Own Credit |
Montgomery Ward | Catalog Financing | Own Credit |
Nasty Gal | Retail | Afterpay, Klarna |
Nike | Retail | Klarna, PayPal |
Nordstrom | Retail | PayPal, Afterpay, Affirm |
Oh la la Cheri | Retail | Shop Pay, Amazon Pay, PayPal |
Old Navy | Retail | Apple Pay, PayPal, Afterpay |
PacSun | Retail | Apple Pay, PayPal, Afterpay |
Pronovias | Retail | Affirm |
Reformation | Retail | Afterpay, PayPal |
Revolve | Retail | Afterpay, Zip, PayPal |
Rue21 | Retail | Klarna |
Saved by the Dress | Retail | Shop Pay, PayPal |
Shein | Retail | Klarna, Afterpay, PayPal, Zip, Affirm |
Snag | Retail | PayPal |
Stoneberry | Catalog Financing | Own Credit |
Target | Retail | Affirm, PayPal |
ThirdLove | Retail | Amazon Pay, Shop Pay, Afterpay, PayPal |
TJ Maxx | Retail | PayPal |
Tobi | Retail | PayPal, Sezzle |
Urban Outfitters | Retail | PayPal, Afterpay, Klarna, Apple Pay |
Yandy | Retail | Zip, PayPal |
Yours Clothing | Retail | PayPal, Klarna |
Zappos | Retail | Amazon Pay, Afterpay |
Buy now pay later clothes options allow you to acquire clothing items upfront and pay for them in installments over time, often without interest.
With many retailers offering different BNPL payment methods often with no hard credit check involved, you should be able to get the apparel you need even with a bad credit score.
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