Citizens Pay is a split payment option accepted at several big-name stores online with a line of credit you can use for shopping.
While many of the bank-led spread payment options work more on a post-transaction model, Citizens Bank built its own to be available at some of the top websites where you can apply for buy now pay later financing.
Just like the purchasing power feature of the popular buy now pay later options, its line of credit can be used to make payments for product purchases at several retailers online and offline.
Citizens Pay
Max. Amount
Varies
Credit Check
Soft and Hard
Type
Credit Line
Tip: Citizens Pay offers a revolving line of credit that you can use for financing at several retailers and service providers with the option to spread payments for up to 36 months.
This buy now pay later option works very similar to a conventional credit card through its line of credit that is offered based on your creditworthiness and requires no downpayment until your statement due date.
It is a financing product from Citizens Bank and while it works very similarly, it is a standalone payment plan option from its credit card offerings.
When applying to use this method for payments at any of the retailers that accept Citizens Pay, there is a soft inquiry that will be performed during the pre-approval phase to determine eligibility.
However, the bank will perform a hard check before offering you its line of credit after you have qualified from its pre-approval stage hence, you may need a good credit score to be eligible.
There is no specific minimum in terms of the cart value before you can use Citizens Pay as that decision depends on the retailer where you are shopping at.
Like a traditional credit card, you are expected to clear your balance before or by the due date to enjoy its interest-free financing.
However, post the statement’s due date, you will have to pay interest which stands at an APR between 0 to 29.99%.
The platform also has a penalty fee when you default on repayments or your connected autoplay method continues to decline which is up to $38 hence, ensure you pay on time to avoid this and also for it not to affect your credit score as activities, including late payments, get reported to the bureaus.
Stores that Accept Citizens Pay Line of Credit
Below is a list of top merchants where you can use the Citizens Pay line of credit for shopping online:
Best Buy
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Best Buy is a major electronics retailer known for its wide range of products, from appliances to tech gadgets. With a reputation for competitive prices, it’s a popular choice for electronics enthusiasts.
Being one of the online stores that accept Citizens Pay, it stocks up the list of buy now pay later you can use at Best Buy, both online and in-store.
The platform’s appeal is its extensive range of products, covering everything from home appliances and computing devices to home theater systems and gaming consoles.
The retailer partners with leading brands, ensuring that customers have access to the latest and most innovative technological offerings.
This diverse product lineup caters to a wide spectrum of consumer needs, making Best Buy a one-stop destination for those seeking both essential and cutting-edge electronics.
Wayfair
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Wayfair is an online retailer specializing in furniture and home goods. With a vast selection, competitive prices, and a user-friendly interface, it’s a popular destination for those looking to furnish and decorate homes.
If there is one place you can get the best furniture among the list of places where you can use Citizens Pay, Wayfair will be on your list of options.
It has become a major player in the online retail space, focusing on furniture and home goods.
The platform’s success lies in its extensive product catalog, offering a vast array of furniture, decor, appliances, and more.
Wayfair provides customers with a diverse range of styles, from modern and contemporary to classic and traditional, catering to a wide spectrum of tastes and preferences
BJ’s
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BJ’s is a membership-based warehouse club offering bulk discounts on groceries, electronics, and more. With several locations, it provides value and savings to its members through a diverse product range.
It is a prominent membership-based warehouse club, providing consumers with substantial savings on a diverse range of products, and being one of the stores that accept Citizens Pay, you also enjoy installment purchases.
The memberships cater to different needs, with options for individuals, families, and businesses.
This structure encourages bulk purchasing, allowing members to enjoy significant cost savings on a wide array of items.
BJ’s product offerings span various categories, including groceries, electronics, appliances, furniture, and more.
The warehouse club concept enables customers to buy in larger quantities, making it particularly advantageous for families, businesses, and individuals looking to save on everyday essentials.
One Kings Lane
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One Kings Lane is an online home decor and furniture retailer, offering a curated selection of stylish and unique items. With a focus on design and quality, it is a destination for home enthusiasts.
It is one of the top furniture stores that accept Citizens Pay and has evolved into a distinctive online destination for home decor and furnishings, providing a curated selection of stylish and unique items for interior design enthusiasts.
The company has positioned itself as a go-to platform for those seeking to elevate their living spaces with a blend of sophistication and individuality.
One Kings Lane stands out for its carefully curated assortment of products, which spans various categories such as furniture, decor, lighting, bedding, and kitchenware.
The platform brings together a mix of well-known brands, artisanal pieces, and exclusive collaborations, ensuring a diverse and inspiring collection that caters to different design aesthetics.
Peloton
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Peloton revolutionizes fitness with its high-tech exercise equipment and live-streaming classes. With connected bikes and treadmills, it offers users an immersive workout experience from the comfort of their homes.
This brand has become a trailblazer in the fitness industry, transforming the way people approach home workouts, and thanks to its support for Citizens Pay, you can get its equipment and pay in convenient installments.
The company’s core offering revolves around high-tech exercise equipment and a digital platform that brings immersive fitness experiences to users around the world.
At the heart of Peloton’s success is its connected fitness equipment, which includes the Peloton Bike and the Peloton Tread.
The Peloton Bike combines cutting-edge design with a 22-inch touchscreen display, providing users with access to live and on-demand cycling classes.
The immersive experience is enhanced by real-time performance tracking and a community engagement feature that allows users to compete with others or participate in group rides.
Microsoft
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The Microsoft Store offers a diverse range of hardware, software, and services. It includes physical stores as well as an extensive online presence.
Microsoft is one of the first few partners that started providing financing through Citizens Pay and this covers its major categories, including computers, headsets, and others.
The Microsoft Store serves as a one-stop shop for consumers, offering a wide array of hardware, software, and digital services.
You can use the line of credit offered by Citizens Pay to spread payments for a range of Microsoft products, including Surface devices, Xbox gaming consoles, Windows PCs, and a variety of accessories.
Vivint
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Vivint is a smart home technology company providing security, home automation, and energy management solutions. With a focus on innovation, it offers services and devices for a connected and secure home.
It is a platform well-known in the smart home technology industry, specializing in security, home automation, and energy management solutions.
It combines cutting-edge technology with professional monitoring services to offer a robust security system.
This includes doorbell cameras, outdoor cameras, smart locks, and motion sensors, all integrated into a centralized platform.
Users can remotely monitor their home’s security through the Vivint app, receiving real-time alerts and access to video feeds.
With its acceptance of Citizens Pay, you can spread the payments for the device you need while staying secure at home.
Echelon
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Echelon is a fitness technology company offering smart exercise equipment and connected fitness solutions. With a focus on accessible and engaging workouts, it provides users with a personalized fitness experience.
Echelon is one of the fitness stores where you can use Citizens Pay to get exercise equipment on a payment plan.
The brand focuses on providing accessible and engaging connected fitness solutions, aiming to revolutionize the way individuals approach their fitness routines by integrating smart exercise equipment with live and on-demand classes.
Central to Echelon’s offerings is a range of smart fitness equipment, including stationary bikes, rowers, treadmills, and reflective mirrors.
These devices are designed to provide users with an immersive and personalized workout experience, connecting them to live and on-demand classes led by professional trainers.
The Echelon Fit app serves as the hub for these classes, offering a variety of workouts across different fitness disciplines, including cycling, rowing, running, strength training, and more.
GameStop
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GameStop is a retail chain specializing in video games and electronics. With a focus on gaming culture, it offers a wide range of products, including new and used games, consoles, and accessories.
GameStop is a well-known and influential retailer in the video game industry, specializing in the sale of video games, consoles like PlayStation 5, accessories, and related merchandise.
It has an extensive selection of video games for various platforms, catering to gamers of all ages and preferences.
The company offers both new releases and pre-owned games, providing customers with options that suit their budgets and gaming interests.
Horizon Fitness
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Horizon Fitness is a fitness equipment brand specializing in home exercise solutions. Known for its quality treadmills, ellipticals, and exercise bikes, it provides users with tools for effective home workouts.
Horizon Fitness is another well-established brand in the fitness industry where you can use Citizens Pay for financing, renowned for its commitment to providing high-quality home exercise solutions.
With a focus on creating accessible and effective fitness equipment, Horizon Fitness has become a trusted name for individuals seeking to establish or enhance their home workout routines.
The brand’s product line includes a variety of cardio machines, with treadmills, ellipticals, and exercise bikes at the forefront.
These machines are designed to cater to different fitness levels and goals, offering users a convenient way to engage in effective cardiovascular workouts within the comfort of their homes.
Cox
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Cox Communications is a telecommunications company providing cable television, internet, and phone services. Serving residential and business customers, Cox is known for its reliable connectivity solutions and entertainment offerings.
Cox Communications, commonly known as Cox, is a major telecommunications company providing a diverse range of services primarily focused on cable television, internet, and phone services.
As part of its value-added services, the platform retails select brands of smartphones through its online store.
These devices are eligible for financing through the line of credit offered by Citizens Pay which you can utilize to purchase a cell phone on buy now pay later term.
Apple
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The Apple Store offers a diverse range of products, including iPhones, iPads, Macs, accessories, and services, with secure online purchasing and customization options.
The Apple Store monthly installment financing option is powered through its integration with the Citizens Pay platform which you can use to purchase products that include the iPhone, iMac, iPad, and other accessories.
It stands as the digital gateway to Apple Inc.’s extensive lineup of products and services, providing a seamless and secure platform for customers to explore, purchase, and customize their Apple experience.
At the forefront of the store’s offerings are Apple’s iconic hardware products.
This includes the latest iPhone models, iPads, MacBooks, iMacs, Apple Watches, AirPods, and other accessories with all of these eligible for the Citizens Pay powered installment loan on the platform.
Sink & Spout
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Sink & Spout, formerly The Ultimate Bath Store is a premier retail destination for bathroom fixtures and accessories. Offering a curated selection of high-quality products, it caters to diverse styles and preferences for bathroom design.
Sink & Spout stands out as a prominent retail destination, providing a comprehensive and upscale shopping experience for individuals looking to enhance their bathrooms.
Specializing in a wide array of bathroom fixtures, accessories, and design solutions, it has become synonymous with quality, style, and expertise.
The store offers an extensive range of products, including faucets, sinks, toilets, showers, tubs, lighting fixtures, and various bathroom accessories.
This comprehensive selection and its acceptance of Citizens Pay allows customers to find everything they need to create a functional and aesthetically pleasing bathroom space through convenient payment.
Xbox
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The Xbox Store is the digital marketplace for Microsoft’s Xbox gaming platform. It offers a vast selection of digital games, downloadable content, and subscriptions for Xbox consoles, providing a convenient gaming experience.
The Xbox online platform being one of the stores that accept Citizens Pay is expected considering its parent, Microsoft supports the same option.
The store is an integral component of the Xbox gaming platform, offering a vast array of digital content and services to enhance the gaming experience for Xbox console users.
While one of the primary functions of the Xbox Store is to provide users with access to a diverse and extensive library of digital games, the Citizens Pay financing is valid for consoles and accessories purchases.
Wyndham Destinations
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Wyndham Destinations is a global vacation ownership and travel company. It offers a diverse portfolio of resorts, providing members and guests with memorable vacation experiences in various destinations worldwide.
Wyndham Destinations specializes in vacation ownership, providing individuals and families with the opportunity to own a share of a resort property.
Members can enjoy flexible and luxurious vacation options across a network of affiliated resorts.
The company boasts an impressive portfolio of resorts in various sought-after destinations worldwide.
These resorts feature a range of accommodations, from spacious suites to villas, offering members diverse options to suit their vacation preferences.
It is one of a few places where you can use Citizens Pay to handle your vacation packages through flexible monthly payments.
Arlo
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Arlo is a leading brand in smart home security, offering wireless cameras and security systems. Known for its innovation, it provides users with remote monitoring, motion detection, and cloud storage solutions.
It is widely recognized for its wire-free, battery-powered security cameras. This design eliminates the need for cumbersome wiring, providing users with flexibility in camera placement and easy installation.
Arlo offers a diverse range of security cameras to cater to various needs.
This includes indoor cameras, outdoor cameras, doorbell cameras, and even specialized cameras for baby monitoring. Each product is crafted with a focus on delivering high-quality video footage and ease of use.
The cameras are equipped with high-definition video capabilities, allowing users to capture clear and detailed footage.
This is crucial for identifying faces, license plates, or any other pertinent details in the recorded video.
Its Total Security Subscriptions program is powered by Citizens Pay and this will allow customers to enjoy a bundle of hardware and service at a convenient monthly payment.
The Tile Shop
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The Tile Shop is a retail destination offering a wide variety of tiles for flooring, walls, and backsplashes. With a focus on quality and design, it provides options for diverse home and commercial projects.
It is a renowned retail destination dedicated to providing a vast selection of high-quality tiles for various design needs, catering to both residential and commercial projects.
The Tile Shop boasts an extensive and curated collection of tiles, ranging from porcelain and ceramic to natural stone, glass, and mosaic tiles.
This diversity allows customers to explore a wide spectrum of design possibilities for floors, walls, backsplashes, and other surfaces.
Appliance Connection
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Appliance Connection is a retail provider of home appliances. Offering a diverse selection, it caters to various household needs, providing customers with options for kitchen, laundry, and other home essentials.
Citizens Pay powers one of Appliance Connection’s buy now pay later options which is branded Polished Pay on the platform to add to its acceptance of Progressive Leasing and PayPal.
This merchant stands as a reputable shopping destination, specializing in a wide range of home appliances to meet diverse household needs.
It offers an extensive selection of home appliances, covering a spectrum of categories such as kitchen appliances (refrigerators, ranges, dishwashers), laundry appliances (washers, dryers), and various other household essentials.
Bedrosians
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Bedrosians is a prominent tile and stone supplier, offering a diverse selection of products for residential and commercial projects. Known for quality and design, it provides flooring and surfacing solutions.
Bedrosian is another platform where you can enjoy tiles now pay later purchases on this list of stores that accept Citizens Pay.
It is a renowned supplier in the world of tile and stone products, offering a comprehensive range of solutions for both residential and commercial projects.
This includes a wide array of materials, styles, colors, and patterns, catering to the varied tastes and preferences of customers.
Some of the offerings from Bedrosians include flooring and wall-covering solutions.
From ceramic and porcelain tiles to natural stone options like marble and granite, the company provides materials suitable for various spaces, including kitchens, bathrooms, living areas, and outdoor spaces.
ASAP Tickets
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ASAP Tickets is a travel agency offering affordable and flexible flight options. With a focus on personalized service, it assists customers in finding and booking the best deals for their travel needs.
ASAP is one of the top places where you can enjoy buy now pay later air tickets, thanks to its integration with Citizens Pay.
It offers a range of services to assist individuals and families in finding the best deals for their specific travel requirements.
The platform specializes in flight bookings, offering a comprehensive range of options for domestic and international travel.
Whether it is a business trip, family vacation, or solo adventure, customers can rely on ASAP Tickets to find and book the most suitable flights.
Among its extras, it also supports reserve now pay later for hotel bookings with flexible installment payment provided through PayPal.
Trek Bikes
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Trek Bikes is a renowned bicycle manufacturer, known for producing a diverse range of high-quality bikes for various purposes, including road cycling, mountain biking, and commuting.
While you may not be able to access the Trek Financing powered by Citizens Pay when shopping on its online portal, this payment plan option is available at its physical retail locations.
It is a globally recognized and leading manufacturer in the bicycle industry, celebrated for its commitment to innovation, quality, and a diverse product lineup catering to various cycling enthusiasts.
Trek offers an extensive range of bicycles, spanning different categories and designed for various purposes.
This includes road bikes, mountain bikes, hybrid bikes, electric bikes, and commuter bikes, ensuring there is a suitable option for every type of rider.
Frequently Asked Questions on Citizens Pay
Here are some frequently asked questions regarding the use of Citizens Pay for buy now pay later shopping:
What is Citizens Pay?
Citizens Pay is a line of credit that provides approved customers with the opportunity to make purchases at participating retailers.
With this payment method, customers enjoy the flexibility of a low monthly price and no upfront cost.
The line of credit offers a fixed interest rate ranging from 0 to 29.99% APR, extending for a period of up to 36 months.
Users receive monthly statements, and it is recommended that users set up automatic payments for timely bill settlement.
Notably, this payment method comes with favorable terms, including a no down payment and the absence of interest or fees when payments are made on time.
Overall, Citizens Pay functions as a financing solution that enables customers to acquire goods and services with the convenience of a credit line, offering flexibility, affordability, and transparent terms.
Is Citizens Pay legit?
Yes, Citizens Pay is a buy now pay later option provided and managed by Citizens Bank which provides a line of credit you can use to finance products across a number of retailers online.
What is the credit score for Citizens Pay?
While there is no specific credit score stated before you can access Citizens Pay, the platform performs a hard credit inquiry to determine a final eligibility hence, it requires a good standing before you can make use of it.
By good standing, you should have a score of at least 600 or more to stand a better chance of being qualified to use it for buy now pay later shopping.
Does Citizens Pay check credit?
Yes, it performs both soft and hard inquiry.
While the soft credit check is done during the pre-approval phase, a hard check is conducted before final approval for its line of credit.
What is Citizens Pay interest rate?
The line of credit provided through Citizens Pay comes with an APR ranging between 0 to 29.99%.
If you clear your bills before or by the statement due date, you will avoid paying the interest.
Is Citizens Pay a credit card?
No, it is not a credit card but rather, a revolving line of credit that you can use to shop for products at retailers that accept it for financing.
What is the maximum credit amount offered by Citizens Pay?
The maximum line of credit you can access when using the Citizens Pay financing option depends on your credit score and other factors determined by Citizens Bank as there is no specific maximum.
However, the merchant through which you want to utilize the option might have a minimum cart value requirement before this method will be available to you.
Do Citizens Pay have a virtual card?
No, Citizens Pay does not offer a virtual card you can use for financing on other websites.
While it does not offer a virtual card valid for payments beyond its network of merchants, there are alternative buy now pay later virtual cards accessible.
These alternatives allow you to implement structured payment plans when making product purchases.
What is the minimum purchase amount to use Citizens Pay?
The minimum cart value before you will be able to use Citizens Pay for financing varies per merchant.
However, you will need at least $500 worth of cart value at most of the retailers before the option will be available to you.
Can I pay off Citizens Pay early?
Yes, you can clear your Citizens Pay bills early without any penalty and you get to enjoy interest-free benefits when you pay in full before or by the due date.
Where can I get more details about Citizens Pay?
While there is limited information on the Citizens Bank website about this financing option for consumers, its disclosure page has more that could be helpful.
With a good number of popular stores accepting Citizens Pay and a good line of credit in waiting that requires no downpayment before you receive your orders, this is a good buy now pay later option to explore.
However, work towards paying up your bills early to enjoy its zero-interest benefit, and no penalty fee on returned or late payments.
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