Buy now pay later grocery stores and apps enable convenience, allowing you to spread payments at checkout even if you have a bad credit score.
You can navigate the aisles and browse through grocery websites to fill your cart with essential items, from fresh produce to pantry staples and gift items without worrying about upfront costs.
With these buy now pay later requiring no real credit check, you can also enjoy this if your bureau score is in poor standing.
Best Buy Now Pay Later Grocery Stores and Apps
Here is a list of buy now pay later apps and stores where you can spread payments for your grocery purchases:
Grocers with buy now pay later
Below are the top buy now pay later websites that support financing for groceries:
Amazon
Pay with
Prime Visa Installment, Citi Flex Pay
Category
Marketplace
Tip: You can enjoy buy now pay later grocery financing when shopping on the Amazon marketplace through Prime Visa Installment and Citi Flex Pay.
While there are so many buy now pay later for Amazon purchases, only a few can be used to handle grocery shopping and financing.
If you want to spread the payments for your groceries on the marketplace, you can either use Prime Visa Installment or utilize Flex Pay if you own an eligible Citi credit card.
While the Prime Visa Installment is one of the benefits that come with its store card, Citi Flex Pay is a post-credit card transaction spread payment option.
However, many financing providers have buy now pay later virtual cards that can also be used to pay in 4 on Amazon hence, you should not be deprived if you have no Citi credit card.
Being one of the top places with a good collection of staple products, there is no doubt Amazon is an amazing destination where you can get almost any grocery you need.
Whole Foods Market
Pay with
Citi Flex, Prime Visa Installment
Category
Retail
Tip: Whole Foods Market is another good destination you can enjoy buy now pay later grocery shopping through Citi Flex and Prime Visa Installment.
Whole Foods Market goes beyond traditional grocery offerings, boasting specialty departments that cater to various dietary preferences and lifestyles.
From a vast selection of artisanal cheeses to a comprehensive array of bulk goods, the store caters to diverse culinary needs.
Through Amazon Prime Visa, you can access buy now pay later grocery, special discounts, and benefits, and even have groceries delivered to your doorstep.
You can also order online and request pick-ups at any of its supermarkets which are known for their extensive produce section, offering a vibrant array of fruits, vegetables, and locally sourced goods.
If you have an eligible Citi credit card, simply select it at checkout for a transaction of at least $50 to spread the payments monthly.
Amazon Fresh
Pay with
Citi Flex, Prime Visa Installment
Category
Retail
Tip: Just like using the marketplace, Amazon Fresh supports buy now pay later grocery purchases when you checkout with Prime Visa Installment or an eligible Citi credit card.
Amazon Fresh enables a flexible grocery shopping experience by combining the convenience of online retail with the immediacy of fresh, quality produce.
The platform has evolved into a comprehensive grocery delivery and pickup service, offering customers a wide selection of groceries, household essentials, and fresh produce.
You can browse an extensive online catalog that includes everything from pantry staples and snacks to fresh produce, meat, and dairy products.
Using the buy now pay later grocery benefit that comes with Prime Visa Installment, you can spread the cost of purchases for up to 24 months with the possibility of interest-free financing for up to 12 months.
In addition to that, Amazon Fresh also supports Citi Flex Pay which you can use to finance your cart and pay in bits every month.
Walmart
Pay with
Rewards Card, Affirm*
Category
Retail
Tip: While Walmart accepts Affirm, most of the buy now pay later grocery purchases will be through its Capital One Rewards Card.
Walmart combines general merchandise with a comprehensive grocery store, offering customers a one-stop shopping experience.
Its supercenters feature expansive grocery sections that include fresh produce, dairy, meat, pantry staples, and more.
You can order items online for home delivery or pickup, providing convenience for those who prefer to shop from the comfort of their homes.
At checkout, you can apply for its Rewards Credit Card which you can utilize for buy now pay later grocery shopping.
The platform also has Affirm integrated but it is limited to certain categories like jewelry financing, toys, and others.
Instacart
Pay with
Klarna
Category
Delivery
Tip: Instacart accepts Klarna which you can use for buy now pay later grocery delivery and with many retail houses on the platform, a good destination to explore.
Instacart is an amazing platform to shop for groceries, offering a convenient and efficient service that connects customers with personal shoppers.
You can seamlessly browse a variety of grocery stores, select your preferred products, and place orders, Instacart then dispatches a personal shopper to gather the chosen items from the designated store and deliver them directly to you.
It partners with various grocery retailers, including major chains and local stores.
This allows you to access a wide range of products, from fresh produce and pantry staples to household essentials and specialty items, all in one place.
With its integration with Klarna, you can enjoy buy now pay later grocery delivery when you select the option at checkout.
Target
Pay with
Affirm, PayPal, Redcard
Category
Retail
Tip: Target supports Affirm and PayPal with its Redcard Mastercard being a top choice for buy now pay later grocery purchases for its cashback.
Target offers a wide array of products ranging from clothing and electronics to groceries and home goods.
Its store format includes a combination of general merchandise and grocery, with SuperTarget locations offering a full-service supermarket alongside the traditional retail offerings.
The platform is a one-stop shop for a variety of needs, from daily essentials to the latest fashion trends and furniture.
It provides two types of cards you can use for financing with one being a Mastercard usable everywhere while the normal type is closed loop and can only be used for buy now pay later grocery shopping online and at any of Target’s outlets.
It also accepts PayPal and Affirm which has limitation when it comes to groceries but you can utilize them for other products.
Kroger
Pay with
Rewards World Elite Mastercard
Category
Retail
Tip: Kroger’s buy now pay later grocery option is only possible through its Rewards World Elite credit card.
Kroger is one of the largest supermarket chains in the United States, playing a crucial role in the country’s grocery retail landscape.
It caters to a wide range of needs, featuring everything from fresh produce and groceries to household essentials, organic options, and specialty products.
To defer the payments for your grocery purchases at Kroger, you can apply for its store Mastercard when checking out on the portal.
It also allows buy now pay later in-store through this Rewards World Elite Mastercard and you can apply to use it when you are at any of its physical locations.
QVC
Pay with
Easy Pay
Category
Retail
Tip: QVC also has a good collection of groceries to household essentials that you can purchase and defer payments through its Easy Pay.
QVC provides a platform to shop for a wide array of products, from fashion and beauty to electronics, home goods, and beyond.
This retail destination, popular for its live television broadcasts also supports buy now pay later grocery purchases through Easy Pay.
This financing option is only available when shopping on the QVC website as it is one of the in-house maintained buy now pay later services.
It allows you to spread payments for purchases, including those for groceries into flexible monthly installments with no interest fee.
HSN
Pay with
FlexPay
Category
Retail
Tip: HSN also provides its financing called FlexPay that can be used for not only buy now pay later grocery shopping but for other products on the website.
Home Shopping Network also covers a wide range of products, including fashion, beauty, home items, electronics, and more, including a section for groceries and staple goods.
Just like QVC, it also reaches users through live broadcasts featuring hosts showcasing a wide range of products.
Its buy now pay later grocery shopping is through its proprietary FlexPay which will enable you to spread payments and repay on a monthly basis.
Note that this is different from Citi Flex Pay as this option can only be used for financing when you are on the HSN website.
1-800 Baskets
Pay with
PayPal, Klarna
Category
Retail
Tip: 1-800 Baskets accepts Klarna and PayPal with both available for buy now pay later grocery financing.
1-800 Baskets is a prominent online gift basket retailer that delivers thoughtfully curated and beautifully presented gift baskets for various occasions.
Its extensive selection of gift baskets is designed to cater to various tastes and occasions.
Whether it is a birthday celebration, a holiday gathering, or a gesture of sympathy, the platform offers a diverse range of baskets filled with gourmet treats, chocolates, fruits, wines, and other specialty items.
With its support for Klarna and PayPal, you have ample options to enjoy buy now pay later grocery purchases when shopping on this website.
Costco
Pay with
Citi Flex
Category
Retail
Tip: Costco credit card is powered with Citi Flex which you can utilize for buy now pay later grocery when shopping on its website or at any of its physical locations.
Costco is a retail giant and a membership-based warehouse club, offering a unique shopping experience known for its value, quality, and wide-ranging product selection.
Its product selection spans diverse categories, including groceries, electronics, home goods, apparel, and even services such as travel and automotive.
The platform’s credit card is powered by Citi hence, you can enjoy spread payments if you are approved through Flex Pay.
If you have a non-Costco Citi card, you can still use it as you can later convert such purchases as split payments since the feature is a credit card buy now pay later benefit add-on.
The Swiss Colony
Pay with
Own Credit
Category
Retail
Tip: The Swiss Colony offers a financing option which is available on the payment page that you can apply for when checking out.
The Swiss Colony is a renowned mail-order and online retailer specializing in gourmet food gifts, cheeses, chocolates, and a variety of premium treats.
Its buy now pay later catalog and online platform feature an extensive array of products, ranging from handcrafted cheeses and meats to chocolates, baked goods, and specialty snacks.
These items are often curated into beautifully packaged gift assortments suitable for various occasions, including holidays, birthdays, and corporate gifting.
Its financing is in-house and you can apply for it when you want to make payments.
Shari’s Berries
Pay with
PayPal, Klarna
Category
Retail
Tip: Shari’s Berries accepts Klarna and PayPal for product financing when you are shopping on the website.
This brand is synonymous with delightful and decadent chocolate-dipped strawberries, offering a unique and indulgent treat for various occasions.
Specializing in gourmet dipped berries and other sweet creations, Shari’s Berries has captured the hearts and taste buds of customers seeking a combination of fresh fruit and premium chocolate.
It has expanded its product offerings beyond chocolate-covered strawberries to include an array of sweet treats.
The company’s catalog and online platform feature a variety of chocolate-dipped fruits, gourmet cookies, brownie pops, and other confections.
It accepts both Klarna and PayPal which can be utilized for buy now pay later grocery and gift items purchases on the platform.
Alter Eco
Pay with
PayPal, Amazon Pay, Shop Pay
Category
Retail
Tip: Altar Eco accepts PayPal, Amazon Pay, and Shop Pay at checkout which can be used for buy now pay later shopping.
Alter Eco is a brand known for its organic chocolate bars, truffles, and snacks that you can enjoy without paying upfront.
While its products can be purchased at many of the Whole Foods Market retail locations, it provides a website for convenient delivery.
The online portal has PayPal, Amazon Pay, and Shop Pay integrated hence, many options to enjoy split payments when buying its items.
Coffee Bros.
Pay with
Amazon Pay, Shop Pay
Category
Retail
Tip: Coffee Bros. accepts Shop Pay for spread payment purchases with Amazon Pay enabling the use of Prime Visa Installment and Citi Flex.
Coffee Bros. is a coffee roaster offering a variety of single-origin and blended coffees from options that include Brazil, Bolivia, Tanzania, Nicaragua, India, and others.
This brand also makes variations suitable for espresso-based beverages from light to dark roasted coffee.
To complement its offering, you can buy related equipment like espresso brewers and grinders when shopping on its website.
These products can be paid for on a payment plan through Amazon Pay and Shop Pay.
Edible
Pay with
PayPal, Amazon Pay
Category
Retail
Tip: Edible Arrangements accepts PayPal and Amazon Pay which can be used for buy now pay later grocery and gift items financing when shopping on its website.
Edible Arrangements is a popular online retailer that specializes in creating and delivering beautifully crafted, fresh fruit arrangements and other gourmet gifts.
In addition to fresh fruit, it offers a variety of dipped fruit options. This includes strawberries dipped in chocolate, bananas dipped in various coatings, and other fruits coated in sweet confections.
It caters to a range of occasions, including birthdays, anniversaries, holidays, and corporate events.
The company offers themed arrangements and gift sets tailored to specific celebrations, allowing customers to find the perfect gift for any event.
Sam’s Club
Pay with
Synchrony Mastercard
Category
Retail
Tip: Plan It is a post-use buy now pay later for Best Buy purchases and only accessible if you own an eligible American Express credit card.
Sam’s Club operates on a membership-based model, where you are required to purchase a membership to access the store and take advantage of the discounted prices.
It offers a variety of products, including groceries, electronics, furniture, apparel, and more, with a focus on providing members with value through bulk purchasing and exclusive deals.
The grocery selection at Sam’s Club spans various items, including different kinds of staples, fresh produce, meat, and others.
To spread payment for your purchases when shopping at Sam’s Club, you can apply for its Synchrony-powered Mastercard at checkout.
Apps to use for buy now pay later grocery financing
With apps, you can access more buy now pay later grocery options through virtual cards, browser extensions, and in-app shopping among others.
Below are the top apps you can use for financing groceries:
Prime Visa Installment
Pay with
Amazon Pay
Max. Value
Varies
Tip: You can use Prime Visa for buy now pay later grocery shopping online anywhere Amazon Pay is accepted.
The Amazon Prime Visa is a credit card that comes with amazing benefits, one of those being able to split payments at retailers that accept Amazon Pay.
A good reason you might want to consider this option for buy now pay later grocery shopping is its interest-free financing that allows you to defer payments for up to 12 months with no interest.
This card comes with several rewards and you can earn up to 10% cashback when you use it for payments.
It is a top choice for bill payments as you get a reward of at least 1% for every purchase, with gas station expenses earning you 2% cashback.
Sezzle
Pay with
Virtual Card, In-app
Max. Value
$1,500
Tip: You can use Sezzle for buy now pay later grocery shopping at some brands with the in-app and virtual card expanding possibilities.
Sezzle offers buy now pay later grocery purchases through its application with big name brands such as Amazon, HelloFresh, and Instacart supported.
However, it is also directly accessible when shopping at some grocers with Taste Salud and Velovita among the top retail stores that accept Sezzle for financing.
There is also the Sezzle Anywhere card which can be used both online and offline at retail platforms that support digital wallets.
Citi Flex Pay
Pay with
Amazon Pay, Post-split
Max. Value
Varies
Tip: Citi Flex Pay is another interesting credit card to use for buy now pay later grocery financing, accessible at checkout via Amazon Pay and after transaction through the Citi app.
The buy now pay later feature that comes with Cit cards is one of the best BNPL benefits for credit cards and possibly the most accessible in real-time.
Citi Flex Pay can be used at thousands of online stores that accept Amazon Pay including for air ticket buy now pay later booking at American Airlines.
You can spread your grocery shopping costs for up to 24 months using this option at a monthly fixed rate.
It comes with post-splitting capability meaning that you can convert existing grocery purchases of $100 and above into buy now pay later which will adjust your credit line accordingly, making it ideal for use offline.
Klarna
Pay with
Virtual Card, In-app, BE
Max. Value
Varies
Tip: You can use Klarna for buy now pay later grocery purchases through its virtual card, browser extension, and in-app shopping feature.
Among the several online stores that accept Klarna include top grocers like 1-800 Baskets with Instacart supporting it for delivery.
This financing superhouse provides different methods you can utilize to spread the costs of your purchases on platforms that do not support it directly.
Klarna provides a virtual card which is a Visa card that you can generate for use to complete your transaction.
Interestingly, this card can also be connected to your digital wallets for offline payments, making it one of the ways to use Klarna in-store for shopping.
You can also enjoy buy now pay later grocery purchases when you shop through the Klarna app as it supports retailers like Walmart directly via its application.
The other option to spread payments for purchases with your Klarna purchasing power is using its browser extension which you can install and use conveniently at many grocers.
Zilch
Pay with
Virtual Card
Max. Value
$1,000
Tip: Zilch provides a Mastercard you can use to spread the cost of your grocery purchases at several retailers.
Zilch is an entirely virtual card-based financing service that provides a Mastercard you can use to shop on a payment plan.
With up to $1,000 available to get as the spending limit, there is no doubt you will be able to utilize this for most of the groceries you need.
Ist card is not a one-time valid type with the details reusable whenever required hence, a good option for offline payments through Google Pay or Apple Pay and any other digital wallet.
You can increase your creditworthiness on its platform through its pay-in-full option which also lets you earn rewards that can be redeemed for discounts.
Affirm
Pay with
Virtual Card, In-app, BE
Max. Value
$20,000
Tip: The best way to utilize Affirm for buy now pay later grocery shopping is through the Visa card.
While Affirm offers a browser extension as well as providing some retailers you can shop directly through its mobile app, the most power is with its card.
This card combines the features of a debit and credit card with it capable of directly debiting your bank account for every payment made with it.
However, it supports a pre-plan model allowing you to set a transaction as a financing purchase before you use it so that it will be split into installments.
The card is available as both virtual and physical allowing buy now pay later groceries at any retail outlet as well as some cups of beverage at a coffee shop when needed.
Plan It
Pay with
Post-split
Max. Value
Varies
Tip: Plan It enables buy now pay later grocery payments on post transaction model and it is only available to American Express cardholders.
If you have an American Express credit card then you can utilize Amex Plan It to spread the cost of your grocery purchases.
This option which allows you to split payments into monthly installments for up to 24 months works after the transaction.
You must first make the payments with the credit card and you can then log into your Amex app to convert it into a buy now pay later grocery purchase.
It is available to eligible credit cards for transactions with a minimum cost of $100.
Perpay
Pay with
Credit Card
Max. Value
$1,000
Tip: Perpay provides a credit card as part of its offerings that you use for buy now pay later grocery shopping.
Perpay is known for its marketplace that works as a form of employee purchase program enabling people with active employment access financing.
Because of the limitation regarding product choices, it now provides a credit card that can be used to buy items outside its marketplace.
As a new user approved for this credit card, you can access up to $1,000 which you can spend on groceries and other items.
But before you can have access to this platform, your salary or paycheck must be through payroll direct deposit.
Afterpay
Pay with
Virtual Card, Gift Cards
Max. Value
$1,500
Tip: The quick way to use Afterpay for buy now pay later grocery shopping is by buying the grocer’s gift card on its marketplace. The Plus Card is an option as well.
Afterpay is among the top split payment providers and one of the few that offer buy now pay later gift cards that can be used for shopping.
Browsing through its gift card selection, you can see those for big brands like Instacart, Target, Kroger, Whole Foods Market, Giant Eagle, and other top grocers.
You can search through the gift card catalog for the store you want to purchase from and if your spending limit on Afterpay allows it, you will be able to use it for checkout.
Another method is through the Plus Card which can be used for spread payments through Apple Pay, Google Pay, or Samsung Pay.
My Chase Plan
Pay with
Post-split
Max. Value
Varies
Tip: My Chase Plan is another buy now pay later grocery option that relies on the post-payment method and only for Chase Bank cardholders.
If you are a Chase Bank customer with an eligible credit card then, My Chase Plan is one you should look at if you can make use of it.
Just like other similar offerings, this option will enable you to spread the costs of your grocery purchases for up to 24 months at a fixed monthly fee.
To use My Chase Plan, log into your banking app after the transaction and locate that payment.
You will be able to convert it to buy now and pay later if the card is eligible and the amount has a minimum value of $100.
With many of these stores and apps offering options you can utilize for buy now pay later grocery shopping with no hard credit check required, you should be able to have one that works conveniently to get your home stocked up even with a bad credit score.
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