Horizon Outlet Store promises an interesting credit line and offers a credit card you can use on its portal. Is it really worth it?
The Horizon Outlet is popular for its catalog of products you can buy with the line of credit it assigns when you become a member, allowing you to pay back conveniently on a monthly basis.
It also offers a credit card; despite its tagging, this is more of a shopping card you can use to access your account and buy items on its shopping portal and not like a conventional credit card you can use elsewhere.
While the platform has not gone down so well with so many customers, complaining of no delivery to too frequent debits on their accounts, some do have good reviews about this financing provider.
Since many do not fancy its eye-catching credit line promises and product financing, we have compiled a list of alternative websites you can opt for to enjoy a similar service.
Amazon Monthly
Credit Line
Varies
For
Interest-Free
Credit Check
None
Tip: If you shop on Amazon regularly, you might be eligible for its interest-free monthly plan that will allow you to spread payments up to 120 days.
There are questions being asked regarding whether you can use the card provided by Horizon Outlet on Amazon but the answer is no.
Its provided card is not usable anywhere apart from within its portal hence, your credit can only be used for shopping items in its inventory.
The good news is you can actually still spread the costs of purchases into monthly repayments on Amazon if you use it for shopping regularly.
This monthly payment plan is interest-free hence, comes at no extra cost to you than paying the actual price of the product purchased.
It is definitely the best alternative to Horizon Outlet if you are eligible to use this add-on service offered by Amazon.
You can see this option when you are ready to make payment hence, add items to your cart on Amazon and proceed to the checkout page to see if you are eligible.
Abunda
Credit Line
Varies
For
Amazon BNPL
Credit Check
None
Tip: Abunda is a tool that lets you lease to own Amazon products through Acima. Simply copy the product link on Amazon and paste it on Abunda to make it available for lease.
Abunda allows you to buy on Amazon and pay later conveniently using Acima Leasing, Klarna, ViaBill, and PayPal Credit.
The Horizon Outlet store is well known for its catalog of products spanning different categories that include fashion to home needs items but its inventory is not as much as that of Amazon.
With access to Amazon inventory, you can use Abunda to buy almost any item and repay conveniently on a payment plan.
The platform does not offer the financing directly as you will use your existing accounts you own with any of the payment providers including PayPal, ViaBill, and Klarna.
If you own an Acima Leasing account, you can also lease any Amazon product through Abunda as it supports it for payment schedule when you are checking out.
It is a very good alternative to The Horizon Outlet store when it comes to the array of products you can buy and with its paste-a-link feature, you can buy any Amazon product by simply copying the Amazon link and then pasting it on the Abunda search field.
Abunda operates an e-commerce portal with almost all of its products aggregated from Amazon allowing you to buy now and pay later conveniently with supported BNPL providers.
Being primarily a gateway for shopping, Abunda does not offer any credit line rather, it relies on the credit line provided by its payment partners that you will need to have an account with before you can finance from its catalogue of items.
Since Abunda is acting as a bridge between Amazon and split payment players like Klarna, PayPal, ViaBill, and Acima Leasing, it does not conduct any form of credit checking as your purchasing power and repayment are based on what your payment provider can offer.
Just like The Horizon Outlet store, Abunda is a web-based shopping platform hence, you can directly access it using a browser without the need for a mobile application before you can start financing products on Amazon.
Klarna
Limit
Varies
For
Options
Credit Check
Soft
Tip: Klarna is a buy now, pay later company that lets you finance products across thousands of stores and pay conveniently in four.
In a list of the best buy now and pay later platforms, this is one brand that will make the top for its network spread over the years.
Unlike The Horizon Outlet store which limits you to shopping only on its portal, Klarna is more of a composite provider allowing you to shop effortlessly from its over 450, 000 merchants.
This product financing provider is directly available when shopping on thousands of portals and with its mobile app, you can buy from popular platforms without the need to install multiple applications.
When it comes to your credit line, Klarna does not provide a limit as you can increase your purchasing power depending on your usage of the service.
The Horizon Outlet promises not to perform credit bureau checks but with Klarna, there is a soft credit check that applies. This is not an activity you should be worried about as it does not affect your score but rather, it allows the platform to determine a line of credit to be assigned to your account.
If you were lured to The Horizon Outlet store for its credit card and realized it is more of a shopping card, you might want to opt for Klarna’s card. This card which is mostly one-time valid can be used to finance products at millions of merchants with no limitation.
There are more benefits that come from using the service of Klarna including its rewards club through which you earn points when you buy from its partnering merchants. The earned points can be redeemed for rewards and exclusive access to extra features on its application.
Klarna also provides an amazing wallet for your loyalty cards. With this, you can keep all your shopping loyalty cards conveniently within a single access point. These cards can be added directly on the Klarna app and if your store is not listed, you can still add through its scan feature.
Other amazing features that make Klarna a good alternative to The Horizon Outlet store include its discount hunting lets you know of any promotion running on shopping platforms, delivering coupon codes for you to enjoy discounts, and directly financing products on millions of websites through its browser extension to others.
Sezzle
Limit
Varies
For
Credit Building
Credit Check
Soft
Tip: Sezzle is a split payment provider that provides pay-in-4 services across thousands of merchant platforms and it promotes healthy credit by reporting yours to the bureaus.
Sezzle is another good alternative to The Horizon Outlet store you can use to finance your favorite products and pay back conveniently every week.
The platform is directly available on many merchants’ shopping portals hence, you are not limited to within its platform.
Sezzle provides in-app shopping hence, you do not need to keep different applications for shopping as you can conveniently buy from many merchants directly on its app, including the likes of Amazon, Target, Walmart, and more.
It also provides a virtual card you can use to shop online and offline by linking it to any of your wallets like Apple and Google Pay. The card though has its limitations as it can only be used on select merchants’ platforms.
Akin to some of the other alternatives to The Horizon Outlet Store on this list, Sezzle also performs a soft credit check which does not affect your credit score but rather helps it assign you a spending limit.
Using Sezzle, you can also build your credit score which does not require you to pay an extra fee to enjoy this. To start getting this benefit, you will need to upgrade your account to its Sezzle Up.
Upgrading to this credit history-building package requires you to link your bank account, confirm your provided information by connecting your Social Security Number, and pay off at least one order before you will be able to start getting the healthy credit-building benefit.
Whether you choose to upgrade or not, Sezzle has a lot in stock to keep you glued to its platform like its reward-based program which will enable you to earn loyalty points for every $1 spent. This feature enables you to get 2 points for every dollar and once you accumulate up to 1,000 points, you will earn $5 that will be added to your spend wallet.
If you are interested in more of its perks including exclusive access to shop more brands, cashback while shopping, and free payment rescheduling amongst others, you can opt for its premium account which has an annual cost of $89.99 but you can try it for a few months at $9.99 monthly.
Perpay
Limit
Varies
For
Credit Building
Credit Check
None
Tip: Perpay utilizes your monthly paycheck to offer credits to you and also helps build your credit score by reporting to the bureaus.
If you are considering The Horizon Outlet store because you have doubts about getting credit from financial service providers due to your bad history, Perpay might be an option for you.
This split payment provider does not rely on your credit score but rather, your monthly income to determine your eligibility for its services hence, it performs no credit checks.
Perpay is one of the platforms that helps you build your credit score as you continue to use it for financing your needs. While your credit line increases as you repay for your purchased items, you will also enjoy the benefit of your repayments getting reported to the credit bureaus.
Your repayments will be reported to the popular bureaus including Experian, Equifax, and TransUnion. To enjoy this added service, you will need to upgrade your account to its Plus plan which comes at a monthly cost.
In addition to building a healthy credit score through Perpay, being a Plus user also gives you access to smaller payment options and increased spending limits. You can also monitor the growth of your credit score on the go when logged in to your dashboard.
Perpay does have a limit as to the minimum amount per cart you can use to pay for, unlike The Horizon Outlet store which allows you to buy any product irrespective of the amount. The minimum value must at least be $200 unless you are on the Plus plan which gives you the flexibility to buy items less than that.
Since your eligibility for a Perpay purchasing power is based on your monthly income, it is required that you have active employment for at least six months. This will be verified at the point of you signing up as you will be required to provide evidence and since your repayment is going to be through payroll direct deposits, you will not be able to hide from it.
Perpay provides a credit card you can use on other platforms not directly its partners and the line of credit assigned can be refilled as well through payroll direct deposit.
Splitit
Limit
Varies
For
Credit Card
Credit Check
None
Tip: Splitit lets you enjoy buy now, pay later services through your credit card hence, turning your existing credit card into a more powerful shopping tool.
While The Horizon Outlet store promises a credit card that can only be used on its website, Splitit on the other hand turns your real credit card into a buy now, pay later tool.
It is common for BNPL providers to perform a soft credit check to determine your eligibility and assign a spending limit but Splitit instead relies on your existing credit line hence, no need for any form of credit checking. This doubles the power of your credit card as it will allow you to have access to more funds.
This BNPL provider can only be used when you are checking out after shopping on its partnering merchants’ portals hence, no in-app shopping functionalities akin to some of the alternatives to The Horizon Outlet.
Splitit does not offer a virtual card you can use for shopping but with its merchant’s coverage across shopping CMS like Shopify, WooCommerce, Wix, and others, you can conveniently shop and pay monthly with your credit card across merchants from the US, UK, Canada and others.
Using Splitit is a good way to supercharge the possibilities of what your credit card can do as turning it into a buy now pay later tool means that it adds to its existing benefits like cashback and other rewards offered by your current credit card provider.
If the alternatives to The Horizon Outlet on this list turn you down after the soft credit check, you can opt to use Splitit and take advantage of your current credit card to enjoy buy now, pay later financing.
In terms of repayment, the platform has a portal you can log in to handle payments as well as manage your orders. Since it is entirely web-based, you do not need to install an application to use this provider.
Zilch
Limit
$1,500
For
Shopping Card
Credit Check
Soft
Tip: Zilch provides a virtual debit card that can be used to shop for items on a payment plan without having to bother about paying upfront.
If you fancy the credit card provided by The Horizon Outlet store, you will prefer the BNPL card offered by Zilch.
The Zilch’s is not a closed-loop card like that of Horizon Outlet which is valid only for shopping on its platform. This card is a Mastercard and can be used to buy virtually anything at any merchant.
It operates a buy now pay later service that you can enjoy by getting its shopping card and on top of this, you enjoy cashback every time you use your card for payment.
The highly secured virtual card sits in your Zilch wallet and to use it, you will first need to unlock it. Meaning that this card goes into an inactive state automatically when not in use hence, debit without your knowledge is unlikely.
You have two models when it comes to making payments with your Zilch at any shopping gateway. The first is the pay in 4 with your card or go with the pay in full option which will earn you a cashback of 2%.
Aside from the cashback you get when you go with the pay-in-full option, you can also enjoy a similar reward by referring your friends to sign up on the platform.
This card can also be used offline. You can connect it to any of Apple and Google Pay wallets and use it at any store walk-in shopping trip.
Zilch provides up to a BNPL purchasing limit of $1,000 which depends on your profile after the soft credit check the platform will perform. Nevertheless, it provides a more powerful shopping card compared to The Horizon Outlet.
Horizon Outlet Mall Catalog
The Horizon Outlet mall section comprises a catalog spread into categories you can shop and pay back on a monthly basis with your given line of credit.
The popular product categories in the Horizon Outlet Mall section include:
- Fashion: contains fashion-related products with sub-categories including those for women, kids, men, and babies
- Home: If you need products related to the home, this is the category that houses them including those for decor, kitchen, bed, bath, electronics, and other home essentials
- Toys
- Hippie/BOHO Nation
There is a recreation category as well on the Horizon Outlet mall section that allows you to buy camping, gaming, hunting, fishing, and other recreational activities-related products.
Horizon Outlet Cash Advance App
The line of credit offered by Horizon Outlet as a form of cash advance is through a web app hence, you do not need to download a separate mobile application to access the funds or spending limit given to you.
Everything can be entirely managed on its website when you are logged in. You can shop, track, and manage your orders without the need for an extra app on your device.
Despite the cash advance offered by Horizon Outlet, it is worth knowing that your shipping will not be free and there is a membership fee that applies for being signed up.
Where can I use my Horizon Outlet Card?
The Horizon Outlet Card can only be used within its shopping portal hence, you cannot use it to make payments anywhere else.
It is more of a closed-loop card you can use to unlock offers when purchasing products from its inventory.
If you want a payment card you can use to make purchases elsewhere, you may want to consider one of the virtual cards provided by BNPL platforms.
If you need to finance a product at The Horizon Outlet store and are not really sure of its intriguing terms, you might want to consider the alternatives on this list.
Despite its enticing promises, reviews of many customers go against them, and with the alternative platforms on this list giving you more power, you will surely be able to buy any product and pay it back conveniently in installments.
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