Amazon pay in 4 options enables installment payment for most products when shopping on the marketplace with no hard credit check performed.
These financing options allow shoppers to split their payments into at least four manageable installments, providing flexibility and easing the strain on immediate finances.
With many of these allowing you to enjoy buy now pay later on Amazon with no hard credit inquiry, you should be able to use one to make payments even with a bad credit profile.
Best Amazon Pay in 4 Installments Options
Below are the top options you can use to enjoy pay-in-4 shopping on the Amazon marketplace:
Amazon Monthly
Usage
Directly Integrated
Length
Four Months
Tip: This Amazon pay in 4 months option is a 100% interest-free financing service but it is only available to users that shop the platform regularly.
Amazon Monthly provides eligible customers with the opportunity to enroll in an installment plan for qualifying products.
This choice is accessible both on the product detail page and during checkout, with eligibility determined by your Amazon account information, including purchase history.
This method allows you to make a purchase now and pay later without the need for a credit report.
The total cost is divided into initial and subsequent monthly payments, with no added interest or finance charges.
Taxes, shipping, and additional charges are due with the initial payment, typically on the day your package is shipped.
Opting for the interest-free Amazon pay in 4 months option permits you to defer payments for up to 120 days, followed by repayment on a monthly basis in four split payments after the initial payment.
Amazon Prime Visa Installment
Usage
Directly Integrated
Length
24 Months
Tip: This Amazon pay in 4 installments option comes with its credit card and also allows you to enjoy interest-free spread payments for up to an extended 12 months during the promo period.
The Amazon Prime Visa card, a collaborative financing initiative between Amazon and Chase, provides users with a credit card tailored to their shopping needs.
Notably, this card offers a compelling feature – a promotional period with zero interest charges that can extend up to 12 months.
What sets it apart is the flexibility to split shopping costs without any initial down payment at a multitude of retailers utilizing Amazon Pay.
This card proves to be an advantageous financing tool, particularly for bill installment payments, rewarding users with 2% cashback on gas station expenditures and a minimum of 1% on other transactions.
Using this for Amazon pay in 4 settlements is a seamless process during checkout – simply choose the card, and the option for up to 12 months of interest-free financing tenor becomes available, making it an attractive and versatile financial instrument for savvy shoppers.
Affirm
Usage
Directly Integrated
Length
Six Weeks*
Tip: Being one of the directly available financing options, you cannot have a list of Amazon pay in 4 settlement methods without Affirm.
Affirm provides the option for Amazon pay in 4 payments: simply add qualifying items worth $50 or more to your shopping cart and choose Affirm as your preferred payment method during checkout.
You can also enjoy interest-free monthly financing using this method on eligible products, including Samsung and OnePlus smartphones, OnePlus accessories, and Dell computers for up to 12 months.
With the Affirm Amazon monthly installments option, you can spread your purchase costs for up to 48 months based on the cart value.
Purchases ranging from $50 to $249 can access a maximum of 12 months of financing, with some items enjoying interest-free terms, such as Samsung and OnePlus smartphones, OnePlus accessories, and Dell computers.
While there are options for 24 and 34 months, to extend payments up to 48 months, your cart value must reach $1,500.
This flexibility makes Affirm a versatile financing solution for a range of Amazon purchases.
Citi Flex Pay
Usage
Directly Integrated
Length
24 Months
Tip: If you are a Citi cardholder, you may be able to enjoy Amazon pay in 4 installments directly at checkout by using your eligible credit card when making payments.
Citi Flex Pay provides Citi credit cardholders the convenience of transforming qualifying purchases into monthly installment plans.
To leverage this feature for Amazon pay in 4 and monthly payments, link your eligible Citi credit card to Amazon, and select it during checkout for a cart value of up to $50 to unlock the option.
Alternatively, cardholders can access this service through their online account, choosing eligible purchases for installment plans.
The online version operates on a postpaid model, requiring prior card usage before conversion to a Flex plan.
For purchases made outside Amazon Pay, available at numerous online and offline retailers, conversion occurs on an after-use basis with a minimum spend of $100.
While this option incurs a monthly fee, clearing your credit card balance before the due date allows you to circumvent this charge, adding a layer of flexibility to your payment choices.
Klarna
Usage
Alternate Methods
Length
Six Weeks
Tip: To use Klarna for pay-in-4 purchases on Amazon, you can generate a virtual card on your app and use it to checkout or use the Klarna browser extension.
Klarna is another stand-out buy now pay later service to use for Amazon pay in 4 settlements, offering a convenient option for installment payments.
The innovative model involves a virtual card generated on Klarna that you can use when providing your billing information.
This card, linked to the user’s account, allows Klarna to handle the full payment to Amazon at checkout.
However, the user is only required to make an immediate partial payment, with the remainder charged to their line of credit every two weeks until completion, spanning up to a maximum of 6 weeks.
Through its mobile application, users can also effortlessly browse Amazon products, add them to their cart, and seamlessly split the purchase into four manageable payment schedules.
Beyond the mobile app, Klarna offers another avenue for ‘buy now pay later’ on Amazon through its browser extension.
Once installed and activated on browsers like Google Chrome, it automatically facilitates payment splitting during checkout.
Additionally, it provides users with money-saving suggestions by proposing more economical alternatives to the products they are viewing.
Klarna’s versatility in payment options and enhanced shopping experience make it a valuable choice for Amazon shoppers.
Zip
Usage
Alternate Methods
Length
Six Weeks
Tip: Zip is a popular financing option you can use for Amazon pay in 4 settlements but you will need to either generate a virtual card, shop with its Chrome extension, or use Amazon through its mobile app.
Zip offers an alternative for enjoying Amazon pay in 4 installments, featuring a unique model reminiscent of Klarna.
This buy now pay later app, like many on this list, allows users to spread purchase payments into four, with a six-week repayment period commencing from the checkout date.
In the absence of direct integration, Amazon shopping through Zip involves utilizing a BNPL virtual card you can generate on the application.
Also, users can seamlessly navigate the mobile app, search for Amazon, shop as usual, and proceed to checkout.
On the billing page, clicking the “Pay with Zip” button generates virtual card information, enabling users to complete the checkout while repaying over six weeks at bi-weekly intervals conveniently through Zip.
For added convenience, Zip also provides a Chrome extension you can use for Amazon pay in 4 installment shopping.
Once installed on the Google Chrome browser, it facilitates payment splitting while users browse and shop, enhancing the flexibility and accessibility of Zip as a payment option for Amazon purchases.
Afterpay
Usage
Alternate Methods
Length
Six Weeks
Tip: To use Afterpay for Amazon pay in 4 installments, you can either generate a virtual card or get one of the buy now pay later gift cards for Amazon on the app.
Afterpay is a popular option for settling Amazon payments in four, repayable over six weeks.
This ‘buy now pay later’ service is not directly available to split payments for Amazon purchases on the marketplace but offers a feature for the creation of virtual shopping cards specifically designed for paying in four.
An alternative method involves purchasing buy now pay later gift cards from Afterpay’s retail partners. Specifically for Amazon, users can obtain a shopping gift card ranging from $5 to $500.
To utilize this option, you can search for Amazon on the Afterpay mobile app or web portal, and the available gift card denominations will be displayed.
You can then select the value that matches your purchase amount within your total allowable credit.
The chosen voucher code can then be applied at Amazon through the gift card payment option.
Typically delivered to the user’s preferred email, this e-gift card originates from an Afterpay gift card partner, providing a versatile and accessible means of enjoying Amazon pay in 4 settlements through Afterpay.
Sezzle
Usage
Alternate Methods
Length
Six Weeks
Tip: Sezzle also facilitates Amazon pay in 4 installments through indirect channels that involve generating BNPL payment cards and shopping through its app.
Sezzle is another amazing alternative for Amazon pay in 4 settlements, offering a unique approach to enhance your shopping experience.
To enjoy your purchasing power on Amazon, you can generate a Sezzle card, a virtual Visa card dedicated to facilitating payments.
Alternatively, through the Sezzle in-app feature, users can seamlessly search for Amazon, initiate shopping, and, upon reaching the payment page, effortlessly split the order costs into four convenient installments.
Once satisfied with the items in the cart, users can select the “Pay with Sezzle” button at the bottom of the app to finalize the order.
Beyond the app, Sezzle’s coverage extends to thousands of retailers’ platforms, provided users have sufficient shopping credits allocated.
Sezzle not only facilitates savings on purchases but also promotes financial transparency by allowing users to access products from its merchants and compare costs seamlessly within the app.
The platform’s reach spans various online shopping portals, and with its virtual card, users may even utilize it for in-store buy now pay later shopping at select retailers by integrating it with their digital wallet.
A notable feature of Sezzle is its credit-building functionality, setting it apart from other pay-in-4 options for Amazon.
The Sezzle Up program enables users to build credit without incurring additional fees.
To unlock this benefit, users simply need to upgrade their account by connecting their bank account, providing their Social Security Number, and settling at least one order, paving the way for added credit-building advantages.
Perpay
Usage
Alternate Methods
Length
Six Weeks
Tip: To use Perpay for Amazon pay in 4 settlements, you will need its credit card which is available if you have active employment and your salary comes through payroll direct deposit.
For individuals concerned about their credit history and seeking a pay-in-4 option for Amazon, Perpay stands out as a favorable choice, especially for those with less-than-ideal credit.
It is one of the buy now pay later that requires no credit checks and determines your eligibility for split purchases based on your employment income.
Notably, Perpay distinguishes itself by providing an easy pathway to building credit while also providing a Mastercard you can use for Amazon pay in 4 installments.
As users consistently utilize the platform and repay within their designated tenor, their credit score increases—a feature not commonly found in most split payments apps.
To access the credit-building feature, users can opt for the Plus plan, incurring a monthly cost only when using the pay-in-4 service for shopping.
Perpay reports users’ financing activities to major credit bureaus, including Experian, Equifax, and TransUnion, contributing to the development of a healthy credit profile.
Being on the Plus plan not only facilitates credit building but also grants users access to smaller payment options, higher spending limits, and the ability to monitor credit score growth via their dashboard.
Most of the shopping activities happen within its marketplace as it works very similarly to most financing-based employee purchase programs but is distinct as it does not rely on the employer’s onboarding.
For regular account holders, the purchase cart value when shopping on its marketplace must be up to $200 to use their spending limit, while Plus users enjoy the flexibility of utilizing their credits for purchases below that threshold.
Note that Perpay requires active employment and income that comes through payroll direct deposit before you can access it and the credit card.
Zilch
Usage
Alternate Methods
Length
Six Weeks
Tip: Zilch is a virtual card-based financing option that you can use for Amazon pay in 4 settlements by simply getting your card details for checkout.
Zilch, among these options for Amazon pay in 4 installments, stands out by providing BNPL virtual cards for convenient and flexible checkout experiences.
This unique split payment provider offers enticing perks to enhance user engagement.
When shopping, users have the choice to either pay in full using their Zilch account and earn 2% cashback across a network of merchants or opt to split the product cost into four installment payments.
Zilch further incentivizes users through its referral program, rewarding them for bringing friends to the platform and creating a community. Each reward is valued at one cent, requiring users to accumulate 100 Zilch rewards to receive $1.
To utilize Zilch to pay in four installments on Amazon, the process is straightforward. Users can add items to their cart, proceed to the checkout page, and input their Zilch virtual card information to complete the payment.
Before adding the card information, it is essential to ensure the virtual card is unlocked for debit, as it is auto-locked when not in use.
Users can easily manage this by visiting their dashboard and accessing the card section to enable it for shopping.
The combination of rewards, cashback, and flexible payment options makes Zilch a compelling choice for Amazon shoppers.
PayPal
Usage
Alternate Methods
Length
Six Weeks
Tip: You can use PayPal to pay in four installments on Amazon by generating a virtual card on the pay later tile when you are logged into your PayPal account.
PayPal, a widely used platform, stands out as one of the noteworthy options to enjoy Amazon pay in 4 settlements, offering a seamless and versatile shopping experience.
With numerous merchant tie-ups, it enables effortless shopping directly on various portals but to offer support for Amazon shopping, PayPal provides a virtual card that users can utilize to complete their payments securely.
This non-interest virtual card is not limited to Amazon; it extends its usability to thousands of platforms.
This versatility grants users the flexibility to make purchases from their favorite merchants and split payments into four convenient installments.
Unlike some other options that may involve interest charges for extended repayment periods, it offers financing with no interest for up to four months through PayPal Credit which makes it an interesting option to use for Amazon pay in 4 months settlement if you are able to generate its virtual card.
Abunda
Usage
Alternate Methods
Length
Varies
Tip: Abunda is a shopping gateway that will enable you to finance products on the Amazon marketplace and pay in 4 using alternate payment methods that include PayPal, Klarna, Acima, PayTomorrow, and others.
Abunda does not have features that will allow you to directly use it for Amazon pay in 4 settlements but rather, it provides a gateway to finance any product on the marketplace and pay later with PayPal, Klarna, and other financing methods not on Amazon.
It provides a unique opportunity for those who prefer leasing, offering the chance to use Acima credit for lease-to-own products on Amazon.
This platform stands out by providing a consolidated shopping interface that aggregates Amazon products, allowing users to make direct purchases on its portal and split the payments conveniently.
What sets Abunda apart is that users do not need to visit Amazon to complete the checkout process. Abunda manages the primary purchase and handles the delivery of the item to the specified address.
It has strategic partnerships with various BNPL providers, including Klarna, PayPal, Acima, and PayTomorrow. Users with accounts from any of these credit providers can shop for items on Amazon and split payments by connecting to the listed partners during the checkout process.
The line of credit accessible varies depending on the chosen payment method during the purchase process. Users can be approved for amounts up to $10,000 or more, distributed into weekly or monthly payments based on their preferences.
To use Abunda for shopping, users can visit its platform and explore its listings aggregated from Amazon. Alternatively, they can copy an Amazon product link and paste it into the search field. Upon submission, Abunda will display a page with the product details, making it available for BNPL orders. This seamless process enhances the convenience and flexibility of using Abunda for lease-to-own shopping on Amazon.
Amazon pay in 4 installments offers consumers a flexible and accessible way to shop on the platform, breaking down payments into four installments for greater financial ease.
With various buy now pay later apps offering virtual cards, browser extensions, and in-app shopping financing methods, shoppers can choose the option that best suits their preferences and financial situations
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