Buy now pay later food options allow deliveries and if you prefer in-store, you can also use them, including to eat now and pay later with no hard credit check.
If you have used any of the spread payment options for shopping, you know how much convenience they bring especially being interest-free through the pay-in-4 method.
Interestingly, you can use them to get food items, including buy now pay later groceries delivered to you, and also enjoy them to eat now and pay later when you visit a restaurant for some culinary treats even if you have a bad credit score.
Best Buy Now Pay Later Food Websites and Apps
Below is a list of top platforms that you can use to get food items and spread the cost of your purchases:
Stores Offering Buy Now Pay Later Food Options
You can apply for buy now pay later when shopping for food items on the below websites:
Restaurant.com
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Type: Restaurant
Pay with: PayPal
Restaurant.com is an online platform that connects diners with a wide range of restaurants, offering discounted dining experiences.
It allows users to purchase dining certificates at a fraction of their face value, providing an affordable way for individuals and families to explore local restaurants.
The platform features diverse dining establishments, including upscale restaurants, casual eateries, and everything in between.
You can search for restaurants based on location, cuisine, and price range, making it easy to find options that suit your preferences.
Amazon
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Type: Groceries
Pay with: Prime Visa, Citi Flex, Amazon Pay in 5, Affirm*
When it comes to delivery and varieties, Amazon is one of the best places to enjoy buy now pay later food shopping, thanks to its many options including the Amazon monthly that allows interest-free financing for up to 12 months.
It also accepts Affirm for financing but this usually has limitations, especially for food items, but there is an excellent alternative that comes with the Amazon Prime Visa.
This card comes with one of the best credit card buy now pay later features and among its many benefits, you can also enjoy purchases without paying interest for up to 12 months.
Just like the Prime Visa, you can use Citi credit cards in real-time for payment plan food items shopping with the support for Flex Pay through Amazon Pay.
If you own an eligible Citi credit card, simply add it to your Amazon account and select it at checkout for buy now pay later food purchases.
Nonetheless, there are other BNPL apps for Amazon shopping which you can also utilize through in-app, virtual card, and browser extensions as many of the providers offer alternatives to spread your payments on Amazon.
Whole Foods Market
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Type: Groceries, Gourmet Foods
Pay with: Prime Visa, Citi Flex, Amazon Pay in 5, Affirm*
Whole Foods Market, now a part of the Amazon family, offers a unique and inviting shopping experience for individuals seeking high-quality, natural, organic products.
This is your go-to destination if you value health-conscious choices and a diverse range of wholesome options.
With its storefront through the Amazon marketplace, you can access the same options that allow you to enjoy buy now pay later food shopping on the marketplace.
Through the store page, you can discover a world of fresh, seasonal produce sourced from local farmers and producers, ensuring you have access to the finest ingredients.
Beyond groceries, Whole Foods Market elevates your culinary experience with a variety of prepared foods.
From delectable deli items to mouthwatering bakery goods and convenient meals, the options are as diverse as your tastes.
Specialized categories like cheese and wine cater to your specific preferences, making your shopping journey both enjoyable and tailored to your needs.
Amazon Fresh
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Type: Groceries, Gourmet Foods
Pay with: Prime Visa, Citi Flex, Amazon Pay in 5, Affirm*
Amazon Fresh, a grocery delivery and pickup service, revolutionizes the way people shop for groceries.
Launched to enhance the convenience of grocery shopping, Amazon Fresh leverages the company’s logistics to bring fresh produce, pantry staples, and household essentials directly to the doorsteps of customers.
It provides a vast selection of grocery items, including fresh fruits and vegetables, meat, dairy, and bakery products.
The platform supports buy now pay later food delivery when you select the Amazon Monthly option, Prime Visa Installment, or utilize Citi Flex Pay at checkout.
Walmart
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Type: Groceries, Gourmet Foods
Pay with: Rewards Card, Affirm*
Walmart’s food items offering is an important aspect of its retail options, providing customers with a comprehensive selection of fresh produce, pantry staples, and household essentials.
Operating within the larger Walmart Supercenter format, the section plays a pivotal role in offering a one-stop shopping experience for many of its customers.
Its Fresh produce, meat, dairy, bakery, and deli departments offer a wide variety of choices, ensuring customers can find everything from organic fruits and vegetables to specialty cheeses and artisanal bread.
Walmart’s buy now pay later food shopping option is through its Rewards Credit Card and there is also Affirm but limited to certain products.
Instacart
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Type: Delivery
Pay with: Klarna
Instacart serves as a bridge that allows you to enjoy buy now pay later food delivery from your local stores when you complete your request with Klarna.
The platform connects you with personal shoppers who pick and pack the items from local shops, providing a diverse selection of products ranging from fresh produce and dairy to pantry staples and cleaning supplies.
This model allows you to shop from your favorite local stores without physically going to the store, making shopping more accessible and time-efficient.
Target
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Type: Groceries
Pay with: PayPal, Redcard, Affirm*
Target is one of the retail platforms where you can not only access buy now pay later food options on their websites but also when you visit the store outlets.
Shopping through this retailer, you can buy items such as fresh produce, dairy products, meat, pantry staples, and a range of specialty and organic items.
Target has its in-house brands, such as Archer Farms and Good & Gather, which cover a wide array of food products that you can purchase and spread the costs of payments.
These private labels are designed to offer quality comparable to national brands at a more affordable price point.
For its buy now pay later food purchase offerings, you can opt for any of the PayPal financing options by selecting it at checkout or simply apply for its Redcard which you can also use in-store for payment plans at any of its locations.
Costco
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Type: Groceries
Pay with: Citi Flex
Costco, a membership-based warehouse club, has become a go-to destination for customers seeking a wide variety of food items and household essentials at competitive prices.
Its grocery section has a vast array of items, including fresh produce, meat, dairy, bakery goods, pantry staples, and more.
The emphasis on bulk packaging allows customers to benefit from significant cost savings per unit, making Costco an attractive option for families, businesses, and individuals looking to stock up on essentials.
It is one of the websites that accept Citi Flex Pay but for its credit card only which you can utilize for buy now pay later food purchases.
Costco also has a private-label brand called Kirkland Signature that spans a range of food items, from nuts and snacks to organic products and even wine.
BJ’s
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Type: Groceries
Pay with: Citizen’s Pay
BJ’s Wholesale Club is another membership-based warehouse club on this of buy now pay later food shopping providers.
The platform is known for offering a diverse range of food items alongside its extensive selection of other merchandise.
Serving both individuals and businesses, BJ’s provides bulk quantities of groceries and household essentials at competitive prices.
BJ’s in-house brand, Wellsley Farms, is prominent in the food department.
Similar to other warehouse clubs, it leverages its private label to offer members quality products at a more affordable price point.
Wellsley Farms spans various food categories, including fresh produce, dairy, frozen foods, and pantry staples, providing members with a range of options.
To spread the cost of your food items purchases at BJ’s, you can select the Citizen’s Pay option at checkout for a cart value of at least $99.Â
Kroger
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Type: Groceries
Pay with: Rewards World Elite Mastercard
Kroger’s offerings span a comprehensive range, covering fresh produce, meat, seafood, dairy, bakery goods, and pantry staples.
The supermarket chain prioritizes offering a wide variety of options to meet the needs of its customers, from everyday essentials to specialty and organic products.
The fresh produce section showcases a commitment to quality, with a focus on providing customers with a diverse selection of fruits and vegetables.
It also features a robust private label program, with brands like Kroger, Simple Truth, and Private Selection.
These private labels offer customers alternatives to national brands, often at more competitive prices.
Simple Truth, in particular, focuses on organic and natural products, appealing to consumers with specific dietary preferences and health-conscious lifestyles.
To enjoy buy now pay later food shopping on its website, Kroger offers its Rewards World Elite Mastercard that can be utilized at checkout.
Interestingly, there is also its digital wallet called Kroger Pay which you can utilize for buy now pay later food shopping when you visit its physical stores by connecting any of the top BNPL virtual cards.
Sam’s Club
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Type: Groceries
Pay with: Synchrony Mastercard
Sam’s Club is a membership-based warehouse club operated by Walmart that offers a vast and diverse array of food items to its members.
Known for its bulk packaging and value-oriented approach, it provides customers with the opportunity to purchase a wide range of groceries and household essentials at competitive prices.
Sam’s Club has its private label brand, Member’s Mark, which spans a diverse range of food products.
From fresh produce to packaged goods, Member’s Mark offers members an alternative to national brands, often at a more budget-friendly price point.
For buy now pay later food purchases at Sam’s Club, you can apply for its Synchrony Mastercard.
Edible Arrangments
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Type: Fruits and Chocolates
Pay with: PayPal, Amazon Pay
Edible Arrangements is a unique and innovative company that specializes in creating artful and delicious fruit arrangements.
Its core offerings are its nicely designed fruit bouquets, featuring an assortment of fresh, high-quality fruits such as strawberries, pineapple, melons, and grapes.
These arrangements are carefully crafted into various shapes and sizes, resembling flower bouquets, gift baskets, or even themed arrangements for special occasions.
Its product line also includes chocolate-dipped fruits, fruit smoothies, and other gourmet treats.
The company often integrates other elements like chocolate, nuts, and even balloons to enhance the overall gifting experience.
The platform allows buy now pay later food shopping through its integration with Amazon Pay, enabling you to use Citi Flex Pay and Prime Visa Installments.
It is also one of the online stores that accepts PayPal, offering a good alternative to finance your product purchases.
Shari’s Berries
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Type: Strawberry and Chocolates
Pay with: PayPal, Klarna
Shari’s Berries is a brand known for its indulgent and beautifully presented chocolate-covered strawberries and a go-to destination for those seeking a sweet and luxurious gift.
You can get crafted chocolate-covered strawberries, each hand-dipped to perfection from this platform.
The strawberries used are selected for their freshness and quality, creating a harmonious blend of rich, velvety chocolate and the natural sweetness of ripe berries.
These delectable treats are often adorned with additional toppings such as nuts, sprinkles, or drizzles, enhancing both the visual appeal and flavor profile.
Its expanded product line includes an array of gourmet desserts and treats like chocolate-covered cherries, cookies, cake pops, and more.
To enjoy buy now pay later food purchases when shopping on its website, you can select the Klarna option and with support for PayPal, you can use Pay-in-4 and PayPal Credit as well.
1-800 Baskets
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Type: Groceries and Gifts
Pay with: PayPal, Klarna
1-800-Baskets is a specialty gifting service that goes beyond traditional gift-giving, offering a diverse selection of thoughtfully curated gift baskets for various occasions.
It provides an extensive collection of beautifully arranged gift baskets, carefully crafted to suit different tastes and preferences.
These baskets feature an array of gourmet treats, snacks, sweets, and even wine or champagne, creating a delightful and visually appealing presentation.
From themed baskets for holidays to personalized selections for special events, 1-800-Baskets offers a wide range of options to cater to diverse occasions, and with its acceptance of PayPal and Klarna, you have another option to utilize for buy now pay later food shopping.
The Popcorn Factory
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Type: Gourmet Pop Corn
Pay with: PayPal, Klarna
The Popcorn Factory is a gourmet popcorn brand known for its creative and flavorful popcorn creations
The brand is a go-to destination for those seeking unique and delicious snacks for various occasions.
Its extensive collection of popcorn varieties features a range of flavors and combinations.
From classic butter and cheese popcorn to innovative and decadent options like caramel, chocolate, and savory blends, The Popcorn Factory caters to diverse taste preferences.
It is one of the buy now pay later food shopping platforms where you can use Klarna and PayPal for payments.
Vital Choice
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Type: Sea Foods, Groceries
Pay with: PayPal
Vital Choice is a prominent online retailer that specializes in providing high-quality, sustainable seafood and other natural products.
Its offerings include a selection of wild-caught seafood, sourced from well-managed fisheries in Alaska and other pristine waters.
The platform offers a diverse array of seafood options, including wild salmon, halibut, cod, and shellfish.
In addition to its seafood offerings, Vital Choice has expanded its product line to include organic foods, supplements, and wellness products.
The brand curates a selection of organic pantry staples, such as olive oil, nuts, and dried fruits, to complement its seafood offerings.
You can get these items and spread the cost of purchases through its buy now pay later food option when you checkout your orders with PayPal.
Apps for Eat Now Pay Later Foods Delivery and Eat-out
If your favorite food retailer is not on the list, you can use the below apps to buy from them and pay later.
They can also be used for payment at any restaurant or grocery outlet through digital wallets by connecting their buy now pay later virtual cards.
Prime Visa
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Limit: Varies
Via: Virtual Card
The Amazon Prime Visa is known for its amazing benefits and you can also use it for buy now pay later food shopping and spread payments for up to 12 months with no interest-free anywhere Amazon Pay is accepted.
When you apply for this card, you will immediately get a virtual version in the form of a Visa gift card which you can also connect to any digital wallet for offline usage.
There is a physical form of it which will be delivered days after you receive the Visa gift card.
It comes with up to 10% cashback, including saving some money when used for bill payments.
Sezzle
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Limit: $1,500
Via: In-app, Virtual Card
Sezzle is one of the best options to use for buy now pay later food shopping in-store as well as online.
The platform provides a virtual card that is always available for use when connected to any digital wallet.
There is also an in-app marketplace where you can purchase items from food and grocery retailers like Amazon, Sam’s Clubs, FreshDirect, and others.
With up to $1,500 to use per cart, it is a good option to utilize for buy now pay later food shopping.
PayPal
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Limit: $1,500
Via: Virtual Card
The PayPal Pay-in-4 option also offers a virtual card that you can connect to Google Pay, Apple Pay, and any digital wallet to use for buy now pay later food purchases at any retail outlet.
This card which can be generated by going to the pay later tile on your app is valid for a single use and can also be utilized when shopping online at retailers that do not accept PayPal.
Klarna
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Limit: Varies
Via: In-app, Virtual Card, Browser Extension
You almost cannot talk about the best virtual cards to use for buy now pay later food shopping without mentioning Klarna.
Thanks to its amazing BNPL cards that allow you to spread payments at retailers that do not have it integrated.
There are two forms of Klarna cards but both can be utilized to enjoy buy now pay later food purchases.
However, the one-time valid option has to be generated anytime you want to make payments but there is a better offering with its reusable card which also has a physical version.
Aside from the cards, the other ways you can use Klarna for buy now pay later food shopping is through its browser extension or you search retailers directly on its app that you can order from.
Afterpay
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Limit: $1,500
Via: Gift Cards, Virtual Card
Afterpay offers buy now pay later gift cards for different retailers including for food merchants.
You can search its platform (app and web) for your favorite brand and you will likely get a gift card you can use to enjoy buy now pay later food shopping, including for eat-out at restaurants.
For instance, there are options for Dominos, Krogers, Buffalo Wild Wings, Chili’s Grill & Bar, and Starbucks including food deliveries that include UberEat, Instacarrt, DoorDash, and others.
Alternatively, you can get the Afterpay Plus card which you can use anytime to spread the cost of purchases.
Affirm
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Limit: $20,000
Via: In-app, Virtual Card, Browser Extension
Affirm offers a unique card that you can also connect to any digital wallet to use in-store for buy now pay later food shopping.
Its option is unique as it works as a debit card as well as a prepaid BNPL card.
By default, this will directly debit your bank account when used for payments but to utilize it for buy now pay later food purchases, you will need to pre-plan the transaction by logging into Affirm and setting it up for payment.
This card can also be used online alongside the other methods it provides including in-app shopping or installing the browser extension.
Zip
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Limit: $1,000
Via: In-app, Virtual Card, Browser Extension
Zip is one of the most varied product financing options, including using it for buy now pay later food shopping.
You can browse popular grocers and food items retailers when you are using its app with the browser extension offering you the will to use it via Google Chrome when on the website of any merchant.
Just like other options, it also has a payment card that you can use anytime you want to enjoy buy now pay later food purchases, especially in-store as the Zip Pay card connects seamlessly to Google Pay and Apple Pay for contactless checkout.
Zilch
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Limit: $1,000
Via: Virtual Card
Zilch operates through its buy now pay later virtual card that you can utilize for purchases anywhere Mastercard is accepted.
It works very similar to the Affirm card, combining the features of a debit card as well as a prepaid financing card.
If you want to spread the costs of your purchases using Zilch, you will need to log into your app and set it up else, the transaction will be treated as a direct debit (but will earn you some Zilch rewards).
Perpay
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Limit: $1,000
Via: Credit Card
Perpay is another good option you can use for buy now pay later food purchases, thanks to its credit card which comes as an add-on to its employee purchase program service.
The platform operates primarily through its marketplace, enabling payment plans for mattresses, electronics, furniture, and other items.
You can apply for the Perpay Credit Card which you can use for your food purchases outside its platform and the cost will be deducted in installments through salary pay direct.
The ability to enjoy delicious and high-quality food items while spreading the cost over time provides a flexible and accessible solution for individuals and families alike.
With many options you can utilize for buy now pay later food shopping, you should be able to stock up your closet with the products you need while enjoying the convenience that comes with installment payments.
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