You can enjoy buy now pay later in stores when you visit your favorite retailers at their physical outlets with varying options for payment plans.
One of the good parts of the purchasing power offered by split payment providers is the ability to use them for offline shopping, including for buy now pay later food purchases at a preferred restaurant or getting new electronics or furniture items at home from the neighborhood outlets.
This feature extends their usage beyond pay-as-you-go shopping online hence, making them one of the top alternative financing methods offline.
How to Buy Now Pay Later In Stores
To enjoy payment plan purchases using any of the in-store buy now pay later services when you visit a nearby retail outlet, use the methods below:
Using a Virtual Payment Plan Card
While there are so many split checkout providers, you may need one of the top buy now pay later virtual cards before you can use any of them when you visit a physical retail location.
Generate a compatible virtual card
Below are popular options that will allow you to create a card compatible with in-store payments:
Sezzle
Sezzle provides different forms of cards but to utilize it for buy now pay later in stores, opt for its Anywhere which is a reusable split payment card that can be connected to one of the popular checkout wallets for installments purchases. You will like this considering you can enjoy perks for using it for payments.
Klarna
The Klarna card is one of the best options when it comes to enjoying buy now pay later in stores and interestingly, you can also order a physical version that can be used anywhere and anytime when required. While many stores accept Klarna directly, the card supercharges your purchasing power offline.
PayPal
The PayPal in 4 virtual card is another good payment plan tool that can be generated when you are on your dashboard. While this option will allow you to enjoy interest-free financing for up to six weeks, no doubt it can be a good way to finance your purchases offline, especially for buy now pay later groceries.
Affirm
Affirm also provides a unique split payment card that can be utilized for buy now pay later in stores that support digital payments. By default, it functions as a direct debit card hence, you will need to pre-plan your purchases before using it for payments at retail destinations when utilizing the Affirm card.
Afterpay
You can also generate a virtual card that can be used for buy now and pay later in stores if you have an Afterpay account. The platform provides two types with the Plus card having fewer limitations compared to its normal version hence, you should go with the former for stress-free buy now pay later in stores.
When creating your card, some of the platforms require that you provide the correct cart value hence, you need to add up every applicable charge, including any tax or other fees that make up the order before you generate the card. This will help you to avoid facing an error of declining payments by the checkout POS.
Connect the card to a digital wallet
Once you have generated a virtual card, it needs to be connected to one of the popular digital wallets.
Below are some of the options that have a good presence when shopping at many of the top retail outlets like Walmart, Kroger, Best Buy, and others:
Google Wallet
To add the buy now pay later virtual card to your Google Wallet, launch the app and go to the bottom where you will see the add option. Click the button to open the form; you will be able to enter the details of the card you have generated and save it for payments. While this is easy for Android users, you will need to install the Google Pay app if you own an iPhone to utilize it for buy now pay later in stores.
Apple Wallet
To add a payment card to your Apple Wallet, launch the app and go to the Apple Pay settings. There you will find the option to add a new card; fill out the form with the details of the card you have generated to be used for checkout financing in stores. This is only available to iPhone users.
Samsung Wallet
To add the generated virtual card to your Samsung Wallet, start the app which will need the camera active. You will then scan the front page details with your name and CVV to be entered manually. Once that is done, you will need to validate it to complete the card addition before it can be utilized for buy now pay later in stores.
Walmart Pay
This is one of the best ways to enjoy buy now pay later at Walmart and since this is an internally managed wallet, the experience will be seamless when you visit one of its nearby locations. Adding a card to Walmart Pay is easy as the home screen will have the button boldly asking you to connect a new card you can use to check out your orders.
At checkout lane, tap to pay
After you have successfully prepared your wallet by connecting the payment card, you can go shopping at your favorite retailers that support digital checkouts.
Once you have added the items to your cart (assuming you are getting products), you can proceed to the checkout point for digital payments. At some outlets, there is a tap-to-pay POS provided which is one of the channels you can use for buy now pay later in stores, like using Clover with Bread Pay.
Once you have located the device for payments, simply activate your wallet and tap or scan (depending on which option is provided) to complete your purchases.
If the payment is successful, the device will usually give a chime notifying you that your checkout was successful.
Depending on the location, you may see varying symbols that will indicate Google Pay, Apple Pay, Samsung Pay, or digital wallet accepted.
Through a Split Payment Gift Card
You can also enjoy buy now pay later in stores through brand shopping cards.
There are many split payment services that offer buy now pay later gift cards you can utilize for checkout financing when you visit a physical outlet.
Some of the top options include:
Abunda
Abunda is one of the popular shop now pay later sites and it provides a unique gateway that will enable you to finance products on the Amazon marketplace. Its collection includes gift cards of various brands that you can order and checkout using PayPal and Klarna among other payment plan providers.
Sezzle
The platform does not only offer one of the best cards you can utilize for buy now pay later in stores but you can also access a number of gift cards that can be used for shopping at popular retail providers. When using Sezzle for gift card purchases, you will need to be on the premium plan which comes with a monthly subscription.
Afterpay
Afterpay also has a good collection of gift cards of varying brands ranging from grocery outlets, and restaurants, to specialty retailers, and depending on your purchasing power, you will be able to get one you can use for buy now pay later in stores.
Affirm
You can also enjoy gift card purchases with your spending limit if you have an Affirm account. Its collection is vast including gift cards to be used for payment plans at Guitar Center, Lowe’s, Dominos, Big Lots, and many others.
Klarna
Klarna is accepted by many stores offline but where it is not directly supported, you can purchase a gift card when you are logged into its app using your available purchasing power. This card includes that for popular brands that can be utilized for buy now pay later in stores.
Direct at Checkout
You can also enjoy buy now pay later in stores if your chosen retailers accept payment plan options at checkout.
The below popular retail houses provide different financing methods when you visit their outlets:
Walmart
This is one of the top places you can enjoy financing when shopping offline, including the use of SmartPay at Walmart for lease-to-own cell phones, the support for Affirm, and its credit card adding to the option provided through its in-house wallet.
Best Buy
There are a few places that compare to Best Buy when it comes to buy now pay later for electronics. Interestingly, you have different options that can be used for payment plans when you visit its physical locations including lease-to-own with Progressive at Best Buy, and its credit card that also has the Citi Flex Pay spread payment feature, among others.
Guitar Center
If you love music, you will be interested in the Guitar Center payment plan options which can also be used at its physical stores. While there are the Gear and Essential credit cards you can use for financing, it is also one of the stores that accept Progressive Leasing online and in-store.
Ashley HomeStore
Ashley HomeStore offers a wide selection of furniture and home decor. With quality craftsmanship and stylish designs, it provides customers with a diverse range of options to furnish their homes with comfort and sophistication. With its credit card and being among the stores that accept Acima and Concora Credit, you can enjoy spread payments when you visit any of its retail outlets.
Target
You can also enjoy buy now pay later at Target locations through different methods that include its RedCard which can be connected to its digital wallet for in-store checkout. While it accepts Affirm on its online portal, the option is not available to use when purchasing at its retail outlets hence, you may have to rely on alternate methods if you want to utilize your Affirm purchasing power.
Kroger
While this platform provides Kroger Pay which can be used for buy now pay later in stores that include Pick’n Save, Dillons, Ralphs, Fry’s, and others within its family of brands, there is also a direct payment plan option provided through the Kroger credit card that you can apply when shopping at any of its physical locations.
Lease-to-Own Options
There are lease-to-own financing options that you can utilize for buy now pay later in stores for products such as electronics, furniture, appliances, and more.
Note that lease-to-own can be an expensive option but most of them offer an early buyout window between the first 90 days to 100 days that you can use to close the contract and avoid paying huge rental costs.
Popular options within this category are:
Acima
This is a top lease financing option at several merchants offline and since Acima provides up to $5,000 you can use to enjoy buy now pay later in stores at big-name retailers including Big O Tires, Ashley, and many more, it may be the best alternate routes to get the items you need. Use its 90-day early buyout option when utilizing it for buy now pay later in stores.
Progressive Leasing
Many stores accept Progressive Leasing, both when shopping online and at physical retail locations. The platform also offers good credit that can be utilized for lease-to-own financing at well-known retailers like Best Buy, Big Lots, Lowe’s, and many others. There is also a buyout option within the first 90 days that you can use to close the contract early and save on lease costs.
Snap Finance
This is another good alternative financing option you can use for buy now pay later in stores that accept Snap Finance. The platform has a good network of merchants that operates offline and with its 100-day early buyout option, it is one of the best when compared to many of the popular lease-to-own services.
Katapult
This is another lease-to-own option that has grown in terms of the number of users, thanks to the good number of stores that accept Katapult not only online but for buy now pay later in stores, including providing channels that will enable you to enjoy its services at retail houses like Walmart and others.
SmartPay
SmartPay is one of the lease-to-own options you will see at some of the top gadget outlets you will see offline like Straight Talk, Boost Mobile, and Victra, among others. You can also use SmartPay at Walmart for a lease-to-own cell phone payment plan. With up to $2,000 in credit to access, it is a good alternative for cell phone buy now pay later in stores.
There are many ways you can enjoy buy now pay later in stores when you visit your favorite retailers at their physical locations.
While some of the options above are great, note that some may require interest and for lease-to-own, long-term contracts may be expensive hence, read the applicable terms before you proceed to use any of your choice.
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