With many buy now pay later for eBay financing, you can defer payments for your purchases with an option to enjoy interest-free monthly installments.
When it comes to the top websites to apply for buy now pay later, eBay is no doubt one of the best destinations for its vast inventory that cuts across several product categories.
Interestingly, many of these require no hard credit check and you can also utilize them if you are still working on repairing your credit score as well.
Best Buy Now Pay Later for eBay Financing
Below is a list of payment plan services you can use to finance products on eBay:
PayPal Pay Later
Usage
Direct
Max. Value
Varies
Tip: PayPal is the only direct to use buy now pay later for eBay financing when you are on its checkout page with an option to use the interest-free monthly payment plan.
If not the largest, eBay is sure one of the top platforms where you can use PayPal Pay Later options online for shopping.
It is the only eBay financing option you can access directly when making payments on the marketplace hence, you will only need to login to your PayPal account for authorization.
There are two options when using PayPal for buy now pay later on eBay and interestingly, both come with zero-interest offers.
The default PayPal buy now pay later is the Pay in 4 which can be used to handle purchases starting from $30 up to a maximum cart value of $1,500.
You can also utilize PayPal Credit for eBay financing for high ticket orders starting from $99.
While the second option is a credit line, it is also interest-free enabled for up to six months which makes it a good eBay financing method for high-value orders.
However, it comes with an APR of 29.24% but you can avoid paying this if you clear your balance before or by the statement due date.
How to use PayPal for eBay buy now pay later:
- Shop as usual by adding items to your cart
- On the payment gateway page, simply select PayPal or PayPal Credit
- Log in to your PayPal account and review transaction details
- Authorize it to complete the transaction
Google Pay
Usage
Direct
Max. Value
Varies
Tip: While Google Pay is not a conventional buy now pay later for eBay financing, you can connect a split payment card for payment plan orders on the platform.
Google Pay is one of the best digital wallets you can use to enjoy spread payment shopping anywhere it is accepted.
Fortunately, it is available as one of the payment methods on the eBay checkout page hence, you can connect one of the popular buy now pay later virtual cards that you can use to spread the cost of your purchases.
Before using this option for eBay financing, first, connect the split payment card to your Google Pay account and you can then use it afterward.
Some of the BNPL card providers have different modes of operation and if yours requires presetting, make sure to plan it before you make payments for your eBay orders.
How to use Google Pay for eBay buy now pay later:
- Create a virtual split payment card using one of the popular BNPL services
- Login to your Google Pay account and connect the card
- On eBay, simply select the Google Pay option
- Once you can access the Google Pay page, select the card you have connected to your account as your preferred payment method
- Once you have done that, simply proceed to complete the payment
Klarna
Usage
Alternate
Max. Value
Varies
Tip: Klarna can be used for eBay financing through its browser extension, in-app shopping, and the BNPL card.
While eBay is not one of the top online stores that accept Klarna, you can still use this payment option for financing your purchases on the marketplace.
Thanks to its amazing alternate channels that include the ease-to-use Klarna card which can be generated and used directly on the payment page or connected to the Google Wallet.
The other way you can use Klarna for buy now pay later on eBay is by using the browser extension.
This Klarna browser extension can be downloaded on the Chrome Store and once you are on the eBay website, especially at the payment page, it will be activated which will generate a virtual card you can use for your purchases.
Klarna also provides an in-app shopping interface that will enable you to enjoy buy now pay later on eBay by simply searching for the store when you are logged into the Klarna app.
How to use Klarna for eBay buy now pay later
There are three ways you can use Klarna for eBay financing that includes:
- Generating a virtual card you can use directly for payment or connect to a Google Wallet
- Installing the Klarna browser extension and using it for split payment when on the eBay website
- Visiting eBay directly through the Klarna app shopping interface
Zip
Usage
Alternate
Max. Value
$1,000
Tip: Zip enables buy now pay later on eBay through its virtual card, browser extension, or utilize the in-app shopping channel.
Zip is no doubt one of the best and most widely used buy now pay later apps and as a top provider with a large customer base, it offers several methods to enable you to utilize its services on websites that do not support it directly.
Just like Klarna, it provides a browser extension you can install on Chrome to be used for financing when shopping on the eBay marketplace.
Alternatively, you can generate a single-use virtual card on the Zip app which you can use on the checkout page directly.
While this card can also be connected to a Google Wallet, it is recommended not to do that since it cannot be reused hence, just copy the details and use it directly for a one-time checkout on eBay.
Just like many of the other buy now pay later for eBay, there is also an option you can use through the Zip app as it allows you to search the store list for shopping directly within its mobile application.
With up to $1,000 in purchasing limit, there is no doubt it is a good option you can consider for your purchases on the marketplace.
How to use Zip for eBay buy now pay later purchases:
To use Zip on eBay, you can use the methods below:
- Virtual card: generate a one-time use virtual card when you are logged into your Zip app and copy the details to use for payment on the checkout page
- Browser Extension: you can install the extension on the Chrome browser and visit the eBay website. At checkout, simply click the extension for financing
- In-app: search for eBay from the retailers’ directory when you are logged into the Zip app and use the website directly there. At checkout, click ‘Pay with Zip’ to complete your order
Affirm
Usage
Alternate
Max. Value
$20,000
Tip: You can use Affirm for eBay order financing by using the virtual card, browser extension, or in-app shopping interface.
Affirm also utilizes alternate channels when it comes to enjoying buy now pay later shopping on the eBay marketplace.
While it also allows you to generate a virtual card you can use for payments on the platform, its card is very unique in terms of how it works.
The card it provides combines the features of a debit as well as a spread payment card with the default being the first.
That means that when the card is used for shopping, it will directly charge any payment method connected to your Affirm account.
To utilize it for buy now pay later on eBay, it has to be pre-planned by specifying the value of your cart as well as any additional fee if applicable.
It also provides a browser extension that you can install and utilize for payment plan purchases when shopping on the marketplace.
The last option you can use for eBay financing through Affirm is by shopping through its mobile application as it provides a functionality for in-app orders.
How to use Affirm for eBay buy now pay later financing:
To use Affirm on eBay, you can utilize any of the three methods below:
- Shop through the Affirm in-app feature and search for eBay
- Install its browser extension and use it to make the payment when you are on the platform
- Lastly, you can generate a virtual card and use it to complete your purchases when on the payment page
Sezzle
Usage
Alternate
Max. Value
$1,500
Tip: Using Sezzle for eBay financing is through alternate routes that include the Anywhere card as well as shopping through the app.
When you have a list of options you can use for financing products across a host of websites, Sezzle has to be there for its amazing features.
Known for its buy now pay later for bad credit repair, your activities on the platforms get reported to the major credit bureaus which can have a significant boost on your credit score.
While you can generate a one-time valid virtual card through the Sezzle app for payments, its Anywhere Card offers better features.
The Sezzle Anywhere Card is also virtual but stays active which can be utilized for recurrent purchases.
Alternatively, you can go through the Sezzle app and search for eBay which will open the in-app shopping browser for buying what you need on a payment plan.
How to use Sezzle for eBay buy now pay later financing:
To utilize Sezzle for buy now pay later on the eBay marketplace, use the methods below:
- You can apply for the Sezzle Anywhere Card which can be utilized to checkout on the payment page
- Browse through the Sezzle app and search for eBay which will enable you to do your shopping directly within the application
Afterpay
Usage
Alternate
Max. Value
$1,500
Tip: eBay accepts Afterpay on its Australian portal but for the international marketplace, you will need to either use the virtual card or opt for its gift card.
If you are browsing items through its Australian marketplace, you can utilize Afterpay directly without having to be bothered with the alternate channels.
However, its international platform does not have integration with the Afterpay service hence, you will have to use the alternative routes it offers to enjoy buy now pay later on eBay.
Afterpay provides two financing methods that you can utilize for your purchases on the platform.
First is through its inventory of buy now pay later gift cards which has denoninations for eBay that you can get and use for shopping.
The other option that will enable you to use Afterpay for eBay financing is the virtual card which comes in two variations.
While there is a one-time valid card that you can generate for your payments, it is better to opt for the Plus Card, a reusable version with no strict limitations.
How to use Afterpay for eBay buy now pay later purchases:
You can directly use Afterpay on eBay Australia but for US and international platforms, there are two ways to use Afterpay for payment plan orders:
- First, you can purchase an eBay gift card when you are logged into the Afterpay app
- The other method is to simply upgrade your account to Afterpay Plus and you will be able to access the Plus Card which you can use for payment plan shopping or simply try its single-use virtual card
Zilch
Usage
Alternate
Max. Value
$1,000
Tip: Zilch is a unique buy now pay later for eBay financing which works through its dual-function virtual card.
Zilch is unlike the other buy now pay later for eBay as it only operates through its unique virtual card powered by Mastercard which sits on its mobile app.
The way the card works is very similar to that provided by Affirm as it combines the features of a debit as well as a prepaid payment plan card.
The debit card aspect not only facilitates everyday transactions but also enables users to accumulate cashback.
This cashback you earned from using it for handling payments can then be redeemed for various perks within the Zilch app.
Concurrently, the prepaid feature is crafted specifically for handling payment plan purchases.
The Zilch card, renowned for its reusability, remains securely locked within your Zilch wallet until utilized for payments, adding an extra layer of security.
During direct checkout, it operates as a debit card, automatically debiting your connected payment method.
However, for those intending to use it for financing, a prior step where you need to specify how much is the worth of your shopping cart is required.
This involves logging into the Zilch app and configuring the card for financing, ensuring a smooth and controlled process for managing payment plans within the app.
How to use Zilch for eBay buy now pay later:
- Sign in to the Zilch app or create an account to generate your payment card
- Create a new transaction and specify the value of your order, including any fee if applicable
- Copy the card details and use it on the payment page
Plan It
Usage
Alternate
Max. Value
Varies
Tip: Plan It is the buy now pay later add-on that comes as part of the benefits of the American Express credit card hence, you need to be a cardholder to utilize this for eBay financing.
If you own an American Express credit card, you may be eligible to enjoy spread payments for your purchases on the marketplace using the Amex Plan It option.
With this method, you will need to do the transaction first, and later, you can log into your American Express account to convert it to a Plan It.
To utilize Amex Plan It for product financing, the process starts with making the initial purchase using your eligible American Express credit card.
Once the transaction is done, you can then choose to convert it into buy now pay later orders using the Amex Plan It features within the app.
It is available for payments you have made that have a minimum debit value of $100.
Since this relies entirely on your credit line, it does not require a downpayment as it will form part of your balance at the end of the billing cycle.
How to use Amex Plan It for eBay buy now pay later:
- Log into your Amex app or the website
- Select any eligible payment of $100 and above paid for on the marketplace
- Click on the Plan It option to add to your list
- The order purchase will be converted and your American Express credit line will be adjusted accordingly
My Chase Plan
Usage
Alternate
Max. Value
Varies
Tip: My Chase Plan is also a post-use buy now pay later for eBay financing but it is only available to Chase Bank cardholders.
My Chase Plan, just like the Amex Plan It option is available to eligible cardholders of Chase Bank to use in financing their purchases without reducing too much of what is available as their credit lines.
Apart from having an eligible card, the transaction must have been paid for and it is required for it to have at least $100 as the amount paid.
Individuals holding eligible Chase cards have the option to enhance their payment management on the marketplace through a more adaptable and convenient method.
To utilize the post-splitting feature provided by Chase Plan, the process initiates with completing your transaction on the website using your credit card.
Once the initial transaction is concluded, you gain the opportunity to utilize Chase Plan to split the payment for the qualifying purchase.
How to use My Chase Plan for eBay buy now pay later:
- Log into your Chase Bank app or the website
- Choose any eligible payments made on the marketplace
- Click on the My Chase Plan option to add to your list
- The selected payment will be converted and your Chase Bank credit line will be adjusted to reflect the changes
The ability to distribute the expenses of product purchases, especially on platforms like eBay, adds considerable convenience.
The existence of diverse buy now pay later for eBay financing enables the effortless handling of costs associated with acquiring products.
This flexibility ensures that individuals can indulge in their desired shopping experiences without the immediate pressure of upfront expenses.
It presents a more accessible and accommodating approach to acquiring various products on eBay, whether it be electronics, clothing, or other items of interest.
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