Department Store & Marketplace: Pay Later and Financing at 28 Stores

Big US retailers and online marketplaces that let you pay over time on almost anything they sell.

  • 28 stores confirmed
  • 1 with a 0% APR offer
  • Checked Nov 14, 2026

Stores where you can pay over time

Each store was checked on its own website. Pick a store for its terms, a payment example and when we checked.

All stores 28 stores

  • 40 Boxes

    Pay later

    Sells hand-picked deals on apparel, jewelry and home goods.

    Shop Pay Installments · Zip

    Checked Nov 11, 2026

    Visit 40 Boxes

  • Abunda

    Both

    Sells millions of products, including items from Amazon, with pay-later plans at checkout.

    Cash App Afterpay · PayPal Pay Later · Acima

    Checked Nov 10, 2026

    Visit Abunda

  • Amazon

    Pay later

    The largest US online marketplace, selling nearly everything from electronics and home goods to groceries, with fast Prime shipping.

    Affirm · Synchrony Pay Later · Amazon Monthly Payments +1HSA/FSA

    Checked Nov 14, 2026

    Visit Amazon

  • Bergdorf Goodman

    Pay later

    New York luxury department store selling designer clothing, handbags, shoes, fine jewelry and beauty online.

    Affirm

    Checked Nov 10, 2026

    Visit Bergdorf Goodman

  • Big Lots

    Lease to own

    Sells discounted furniture, home goods and seasonal items in stores.

    Progressive Leasing

    Checked Nov 10, 2026

    Visit Big Lots

  • Bloomingdale's

    Pay later

    Upscale department store selling designer clothing, handbags, beauty and home goods online and in its US stores.

    Klarna

    Checked Nov 10, 2026

    Visit Bloomingdale's

  • Boscov's

    Pay later

    Family-owned department store chain selling clothing, home goods, furniture, appliances and gifts.

    Affirm

    Checked Nov 10, 2026

    Visit Boscov's

  • Burlington

    Pay later

    Off-price department store selling discounted clothing, shoes, home goods and baby items.

    Klarna · Cash App Afterpay

    Checked Nov 10, 2026

    Visit Burlington

  • Cerqular

    Pay later

    Sells discounted fashion, beauty and home brands.

    Affirm · Cash App Afterpay · Zip

    Checked Nov 11, 2026

    Visit Cerqular

  • Costco

    Pay later

    Membership warehouse club selling groceries, electronics, appliances, furniture and more in bulk at low prices.

    Affirm

    Checked Nov 10, 2026

    Visit Costco

  • eBay

    Pay later

    Online marketplace for new, used and collectible items, from sneakers and watches to electronics and car parts.

    Klarna

    Checked Nov 10, 2026

    Visit eBay

  • Etsy

    Pay later

    Online marketplace for handmade, vintage and custom goods from independent sellers, from jewelry to furniture.

    Klarna

    Checked Nov 10, 2026

    Visit Etsy

  • Kohl's

    Pay later

    Department store chain selling apparel, shoes, home goods and beauty at discount prices online and in stores.

    Klarna · PayPal Pay Later

    Checked Nov 10, 2026

    Visit Kohl's

  • Lord & Taylor

    Pay later

    Sells designer clothing, handbags, eyewear and accessories online.

    Zip · Flex Pay by Upgrade

    Checked Nov 12, 2026

    Visit Lord & Taylor

  • Macy's

    Pay later

    Department store chain selling clothing, shoes, beauty, jewelry and home goods online and in stores nationwide.

    Klarna

    Checked Nov 10, 2026

    Visit Macy's

  • Neiman Marcus

    Pay later

    Luxury department store offering designer fashion, handbags, shoes, jewelry and beauty from top fashion houses.

    Affirm

    Checked Nov 10, 2026

    Visit Neiman Marcus

  • Nordstrom

    Pay later

    Upscale US department store for designer and everyday clothing, shoes, beauty and home goods.

    Affirm · Cash App Afterpay

    Checked Nov 10, 2026

    Visit Nordstrom

  • Office Depot

    Pay later

    Sells office supplies, furniture, technology, printing services and school supplies.

    PayPal Pay Later

    Checked Nov 10, 2026

    Visit Office Depot

  • Perpay

    Pay later

    Marketplace selling electronics, home goods and clothing from brands like Apple and KitchenAid, paid back from your paycheck.

    Perpay

    Checked Nov 13, 2026

    Visit Perpay

  • Saks Fifth Avenue

    Pay later

    Luxury department store selling designer fashion, handbags, shoes, jewelry and beauty online and in flagship stores.

    Klarna

    Checked Nov 10, 2026

    Visit Saks Fifth Avenue

  • Sam's Club

    Pay later

    Walmart's membership warehouse club, selling groceries, electronics, furniture, tires and household goods in bulk.

    Affirm · Synchrony credit card

    Checked Nov 14, 2026

    Visit Sam's Club

  • Shein

    Pay later

    Online fast-fashion marketplace selling very low-priced clothing, accessories and home goods.

    Klarna · Affirm

    Checked Nov 10, 2026

    Visit Shein

  • Shop Simon

    Pay later

    Sells discounted designer fashion, shoes, handbags, beauty and home goods from mall and outlet brands.

    Klarna · Shop Pay Installments · Cash App Afterpay

    Checked Nov 10, 2026

    Visit Shop Simon

  • Target

    Pay later

    Big-box retailer selling household essentials, groceries, clothing, electronics and home décor online and in stores.

    Klarna · Affirm · PayPal Pay Later

    Checked Nov 10, 2026

    Visit Target

  • Tractor Supply Co.

    Pay later

    Rural lifestyle retailer selling farm supplies, feed, pet food, tools, outdoor power equipment and workwear.

    Klarna

    Checked Nov 10, 2026

    Visit Tractor Supply Co.

  • Walmart

    Pay later

    America's largest retailer, selling groceries, electronics, home goods, toys and clothing online and in thousands of stores.

    Klarna

    Checked Nov 10, 2026

    Visit Walmart

  • Wish

    Pay later

    Discount marketplace selling low-cost goods shipped directly from sellers, many overseas.

    Klarna · Cash App Afterpay

    Checked Nov 12, 2026

    Visit Wish

  • Zulily

    Pay later

    Online discount retailer offering daily deals on clothing, home goods and kids' items.

    Klarna · Shop Pay Installments · Cash App Afterpay

    Checked Nov 10, 2026

    Visit Zulily
Showing 24 of 28

Store offers and minimums are from each store’s website, checked Nov 14, 2026. Offers change and depend on your credit, so confirm at checkout. Know a store we missed? Tell us.

Questions about department store & marketplace financing

Which department store & marketplace stores offer financing?

We have confirmed 28 stores: 40 Boxes, Abunda, Amazon, Bergdorf Goodman, Big Lots, Bloomingdale's, Boscov's, Burlington, Cerqular, Costco, eBay, Etsy, Kohl's, Lord & Taylor, Macy's, Neiman Marcus, Nordstrom, Office Depot, Perpay, Saks Fifth Avenue, Sam's Club, Shein, Shop Simon, Target, Tractor Supply Co., Walmart, Wish, Zulily. Each one was checked on the store's own website.

Which department store & marketplace stores offer 0% APR?

These stores mention a 0% APR offer on their websites: Walmart. Whether you get 0% depends on your credit and the plan.

What is the lowest minimum purchase?

Among stores that list a minimum, the lowest are Wish ($10), Walmart ($25), eBay ($35). Many stores accept financing from about $50.

Does checking my rate affect my credit score?

Checking your rate or choosing a short pay-in-4 plan usually means a soft check, which does not affect your score. Longer monthly financing can need a full credit check, and loans may be reported to credit bureaus. Each store page shows the terms for the options it offers.

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Meedsy is not a lender and does not make credit decisions. “Visit” links may be affiliate links, and we may earn a commission. That never changes which stores we list or what we say about them. Store names and logos belong to their owners. How we make money