Buy now pay later in-store experience allows you to enjoy shopping with your purchasing power when you visit any physical outlet.
You can also enjoy the perks of buy now pay later services, typically associated with online shopping, right at your favorite local retailers.
While many of the platforms provide virtual purchase-splitting cards, there are also other means you can use their services to enjoy spread payments when you walk into any outlet.
Best Buy Now Pay Later for In-Store Shopping
Here below are the top platforms that allow you to enjoy buy now pay later services in-store:
Buy now pay later for in-store pickup
The below retailers provide buy now pay later payment options and you can request delivery to a nearby location for pickup:
Amazon Pay to Hub Delivery
Financing
Affirm, Amazon Monthly, Prime Visa, Citi Flex
Pickup
Hub Locker, Whole Foods Market
Category
Marketplace
Tip: You can request buy now pay later in-store pickup when you shop on Amazon and pay with any of Affirm, Prime Visa, Citi Flex Pay, and Amazon Monthly.
If you have never tried it, Amazon provides package lockers to enable you to handle delivery to a nearby station, making it a convenient solution to receive your items safely especially when you will not be at home for direct delivery.
These package lockers work through the Amazon app and only you can open the space containing your package once you are at the location for pickup.
With Amazon allowing product financing through Affirm, Citi Flex Pay, Prime Visa, and Amazon Monthly, you can order your favorite items on payment plans and request delivery to many of them spread around including at Whole Foods Market locations.
To receive your items at Whole Foods Market or any of the locations you selected, Amazon will send you an access code and instructions on how to pick up your parcel.
Best Buy Financing
Financing
Citi Flex Pay, Progressive
Pickup
Store Locations
Category
Electronics
Tip: Best Buy also offers buy now pay later in-store options either you come in to pick up or even finance products through Progressive Leasing and its store credit card that allows for Citi Flex Pay splitting.
As one of the pioneers in the buy now pay later in-store space, Best Buy provides customers with flexible payment options.
You can order electronics online and have them picked up at any of its store locations and you can also walk in to handle the purchase there.
Its split payment options include its store credit card, powered by Citi which will also enable you to utilize Flex Pay to convert any of your purchases to buy now pay later.
There is also Progressive at checkout which is its lease-to-own electronics financing provider.
Walmart Financing
Financing
Affirm
Pickup
Store Locations
Category
Marketplace
Tip: Walmart enables buy now pay later in-store through its support for Affirm online and offline. You can order its products and pick them up at any nearby Walmart location.
Walmart supports BNPL payment options, including Affirm, enabling customers to split payments for their purchases.
With thousands of locations, you can conveniently request a pick up at any of its outlets closest to you as well as shop with any buy now pay later in-store when you visit.
Whether you are looking to spread payments for electronics purchases, groceries, clothing, or home goods, Walmart’s extensive inventory caters to diverse preferences.
Interestingly, it provides a seamless experience to also shop with Affirm in-store at any Walmart location by just presenting a barcode.
How to use Affirm in-store at Walmart:
To use Affirm to pay later at a Walmart outlet, follow the below steps:
- Visit Affirm’s Walmart page
- Submit your application
- Generate a barcode
- Show the barcode to the store attendant
- It will be validated and your order will be created
Costco Financing
Financing
Citi Flex
Pickup
Store Locations
Category
Retail
Tip: Costco also allows buy now pay later in-store pick-up at any of its warehouses and for the Anywhere Visa Cardholders, you can split your payments with Citi Flex Pay.
Costco, a membership-based warehouse club, is renowned for its bulk offerings, providing customers with a wide array of products at competitive prices.
It has an amazing product catalog that caters to diverse needs, spanning electronics, groceries, home goods, and more.
Its Anywhere Visa Card is powered by Citi hence, you can enjoy the benefits of buy now pay later in-store that comes with the credit card anytime you make use of it for shopping.
ABC Warehouse Financing
Financing
Synchrony, Acima, Progressive
Pickup
Store Locations
Category
Retail
Tip: ABC Warehouse supports buy now pay later in-store, both pick-up and walk-in purchases. You can use any of its Synchrony-provided store credits or opt for the leasing options through Acima and Progressive.
Specializing in home appliances, electronics, and furniture, ABC Warehouse boasts a broad product range.
With multiple physical store locations across Michigan and Ohio, the retailer provides customers with a convenient in-store shopping experience.
Its store credit is provided by Synchrony and you can use it to buy now and pay later when you visit any of its store locations.
Alternatively, the platform also supports Acima and Progressive which will enable you to apply for lease-to-own furniture purchases, appliances, electronics, and other products in its catalog.
All the payment options are available to use when you visit ABC Warehouse outlets.
Micro Center Financing
Financing
Insider Card
Pickup
Store Locations
Category
Electronics
Tip: With the Insider Card powered by Wells Fargo, you can enjoy buy now pay later in-store when you visit any Micro Center location.
Micro Center is a leading electronics retailer with physical stores across the United States.
Specializing in computers, electronics, and accessories, this retailer caters to tech enthusiasts and professionals alike.
You can make your reservations online and checkout by applying for credits to complete your purchases.
Once the order is created, your item will be reserved and you can pick it up at any of its stores close to you.
GameStop Financing
Financing
PayPal, Zip, Klarna
Pickup
Store Locations
Category
Gaming, Electronics
Tip: GameStop provides a buy now pay later in-store experience when you choose to pay with its financing providers including Zip and Klarna usable when you visit or opt for PayPal Pay in 4 when shopping online.
With several stores around, GameStop is a go-to destination for gamers seeking the latest releases and exclusive merchandise.
It provides various financing options, including the PowerUp Rewards Credit Card, which offers benefits like points on purchases and special financing.
If you have a Zip or Klarna account, you can use it to spread your purchase payments at GameStop offline locations.
You can also shop online and use your PayPal Pay in 4 to make payments and request store pickup.
Target Financing
Financing
Affirm, PayPal
Pickup
Store Locations
Category
Retail
Tip: Target also supports buy now pay later in-store pickup shopping requests and you can make your orders using any of Affirm and PayPal. It also provides an alternative credit card available at checkout.
Target supports multiple payment options, including being among the online store that accepts SNAP EBT cards.
It has become a staple for diverse product offerings, including electronics, apparel, groceries, and home essentials, and supports several buy now pay later services.
Boasting a significant presence with numerous stores across the United States, Target provides a comprehensive shopping experience.
You can explore various financing options, including the Target RedCard, offering discounts and flexible payment plans.
Target’s buy now pay later in-store starts online through its integration with Affirm and PayPal, allowing shoppers to split payments to pick up their packages at nearby locations.
Lowe’s Financing
Financing
Lowe’s Pay, Synchrony, Progressive
Pickup
Store Locations
Category
Home goods
Tip: You can also enjoy buy now pay later in-store pickup service when you order online with any of Lowe’s Pay or PayPal and with walk-in, there is Progressive Leasing and its Advantage Card powered by Synchrony.
Lowe’s, a renowned home improvement retailer, offers an extensive range of products for your home and garden needs.
From tools and appliances to outdoor furniture and home decor, it provides diverse options.
The store supports buy now pay later through Lowe’s Pay, a financing option created in partnership with Synchrony.
You can also opt to use PayPal when shopping on its portal which will allow you to access the option of Pay-in-4 and PayPal Credit.
When you visit the store locations, you can also use most of its financing options including Progressive Leasing and the store credit card.
Home Depot Financing
Financing
Citi (Flex Pay)
Pickup
Store Locations
Category
Home goods
Tip: With Home Depot, its buy now pay later in-store service allows you to shop and pick up, pay with its Citi card, and split the payment with Flex Pay.
Known for its vast selection of tools, appliances, building materials, and home improvement essentials, Home Depot provides customers with diverse options for all their project needs.
Its store credit card is powered by Citi hence, you will have access to Flex Pay if you own one which will allow you to add your purchases to a Flex list.
It is a leading home improvement retailer, offering an extensive range of products and services for both DIY enthusiasts and professionals.
Shopping on its portal, you can request in-store pickup if you have a location close to you.
Home Depot also provides a project loan card which you can qualify for up to $55,000 financing as an alternative to the buy now pay later in-store options.
Nordstrom Financing
Financing
Afterpay, PayPal
Pickup
Local Hubs
Category
Fashion & Home goods
Tip: Nordstrom is one of the best to use for a buy now pay later in-store experience as it provides local outlets that handle seamless pickup and returns for online orders. You can finance with Afterpay and PayPal.
Nordstrom offers a curated selection of high-end fashion, accessories, beauty products, and home goods.
It is a very popular fashion retail brand offline through its walk-in stores located across different cities and also provides local hubs for easy product pickups and returns.
To enjoy its buy now pay later in-store experience at one of its local service hub locations, you can make your order online, pay with any of Afterpay and PayPal, and choose pickup by selecting the nearest Nordstrom Local location to you.
Macy’s Financing
Financing
Klarna, Citi Flex Pay, Plan It
Pickup
Store Locations
Category
Fashion & Home goods
Tip: For Macy’s buy now pay later in-store pickup service, your options include paying online with Klarna and through any of its credit cards powered by Citi that supports Flex Pay and Amex Plan It.
Macy’s has evolved into a one-stop shop for a wide array of products, including fashion, beauty, home goods, and electronics.
At checkout, you use Klarna to split your purchase payments and request pickup at a physical outlet close to you.
Alternatively, you can apply for a credit card on the request page and a decision can be made within minutes to enable you to access funds you can use to finance your purchases.
Its credit card is powered by Citi which will give you access to Flex Pay and with another version being an American Express card, you will be able to utilize Plan It to convert your purchases into buy now pay later.
In-store walk-in buy now pay later services
Below are the buy now pay later platforms that provide seamless experiences for in-store usage, primarily to make payments and receive your items:
Amazon Prime Visa
Min. Amount
$50
Max. Amount
varies
BNPL Card
Virtual & Physical Card
Tip: This has the most benefits of those we’ve reviewed so far with up to 5% rewards every time used. It is usable at thousands of retailers that accept Amazon Pay and its physical version will enable you to enjoy buy now pay later in-store conveniently.
The best buy now pay later for in-store shopping should be able to provide different versions of cards, including virtual and physical.
Amazon Prime Visa has these features with access to at least a $60 Visa gift card immediately once you are approved so that you can connect with your digital wallet for in-store payments.
In addition to its reward of up to 5% cashback when used for settlements, it has monthly payments built into it and interest-free financing for up to 6 months.
This card is directly available to use for spread payment shopping at thousands of retailers that support Amazon Pay.
It also has a physical version that ships to you a few days after your approval.
Klarna In Store
Min. Amount
varies
Max. Amount
varies
BNPL Card
Virtual & Physical Card
Tip: Klarna is another popular option that provides a suite of add-ons that enable buy now pay later in-store through its cards and merchant networks.
Stores that accept Klarna consist of popular retailers that cut across different categories like fashion, electronics, furniture, and more.
While it has a huge number of merchants under its belt, it provides alternate methods for you to be able to utilize its services at stores (online and offline) that do not support it directly like using it on Amazon and some others.
Though some physical outlets support the Klarna buy now pay later in-store directly, you will rely on its card at most locations.
The Klarna card is powered by Visa and comes in both physical and virtual form.
You will almost not need the physical version as with the virtual card details, you can connect the service to your digital wallet like Apple and Google Pay for offline transactions.
Zip Pay
Min. Amount
$35
Max. Amount
$1,000
BNPL Card
Virtual & Physical Card
Tip: Zip also has alternative options for you to enjoy its buy now pay later in-store when you get its Zip Pay card, available as virtual and physical cards.
Zip is another good split payment provider you can use to handle your purchases when you visit a physical store location.
With its payment card, you can easily create an order on your Zip app and swipe or dip your card for checkout at the cashier when making your payments.
This card also comes in virtual form which you can connect easily to your digital wallet for shopping any time you walk in at a retailer.
With up to $1,000 in purchasing power available, it is a good option to enjoy buy now pay later in-store and its long-term financing can allow access up to $5,000.
Affirm Card
Min. Amount
$50
Max. Amount
$20,000
BNPL Card
Virtual & Physical Card
Tip: While some merchants accept Affirm’s buy now pay later in-store as part of their POS system, the best route for you will be using its single-use card through your digital wallet.
Affirm is one the providers of buy now pay later virtual cards you can use for effortless payment splitting when shopping.
Although there is a physical card you can request, its digital alternative sits on your app and you can simply generate and use it for payment by connecting it with Apple or Google Pay.
The physical card is an amazing option serving as an alternative to your bank debit card as it can auto-deduct from your bank account when used.
It also allows for payment plan purchases which you can handle by making a request before using it for payment in-store and online.
Perpay Card
Min. Amount
$100
Max. Amount
$1,000
BNPL Card
Physical
Tip: Perpay provides a credit card you can use to extend its buy now pay later in-store if you already have your account connected through payroll direct deposit.
Perpay is not just a payment plan provider but one of the best non-employer-sponsored employee purchase programs.
It is available to individuals with active employment and you can qualify for Perpay purchasing power if your paycheck comes through payroll direct deposit.
To use this employee buy now pay later in-store, you can request for its BNPL card.
The Perpay credit card is a Mastercard and can be used to make payments for items with a value of at least $100 up to $1,000.
Afterpay Card
Min. Amount
varies
Max. Amount
$600
BNPL Card
Virtual
Tip: Afterpay provides two types of cards but the better of both for enjoying buy now pay later in-store is the Plus usable anywhere Apple Pay or Google Pay is accepted.
You can also use your Afterpay spending limit to make purchases when you visit an offline store retailer.
The platform provides two forms of cards for this purpose which vary in terms of their power and how they work in-store.
With the regular Afterpay card, you are limited to certain merchants you can shop offline and these retailers are specified in its store directory accessible through the app.
The Plus card increases the strength of the regular by allowing you to use this card to spread shopping costs anywhere Apple Pay or Google Pay is accepted.
Though it comes with a monthly fee to have the Plus card, it is the best option to use Afterpay for buy now pay later in-store shopping.
Sezzle Card
Min. Amount
$20
Max. Amount
$1,500
BNPL Card
Virtual
Tip: When it comes to using Sezzle’s buy now pay later in-store option, it is a service accessible at select retailers through its virtual card.
Sezzle is known for being one the top buy now pay later services that improve credit scores for its repayment reporting to the major bureaus.
In addition to its regular perks of payment splitting online, it also provides. a virtual card you can use for your purchases offline.
This card is usable at select retailers and you can start the process by applying for financing through the Sezzle app.
Citi Flex Pay
Min. Amount
$100
Max. Amount
Varies
BNPL Card
Physical Card
Tip: Citi Flex Pay is a buy now pay later add-on to Citi credit cards for eligible purchases of a minimum of $100.
Citi Flex Pay is well suited for a buy now pay later in-store experience if you have a Citi credit card.
This benefits add-on allows you to convert eligible transactions done at physical stores to BNPL purchases.
It works on a post-split model, meaning that you can go ahead and do transactions at any retailer and later login to your app to use the service.
Eligible purchases start from a minimum value of $100 and you can create a Flex list of up to 10 active buy now pay later items.
Amex Plan It
Min. Amount
$100
Max. Amount
varies
BNPL Card
Physical Card
Tip: If you have an American Express card, you can enjoy buy now pay later in-store through its Plan It add-on.
Amex Plan It is another amazing credit card-inspired buy now pay later service on this list of options for in-store shopping.
You do not need to do any presetting before you can use it for purchases at a physical outlet as it works on a post-transaction splitting model.
Simply log in to your American Express account using the app or web portal and select any eligible purchases of up to $100.
With payment only expected at the end of your credit card billing cycle, it is one of the best buy now pay later that requires no down payment to enjoy the benefits.
My Chase Plan
Min. Amount
$100
Max. Amount
varies
BNPL Card
Physical Card
Tip: My Chase Plan is another post-payment buy now pay later add-on to credit card but only for Chase Bank account holders.
If you have a Chase Bank account, you also can split payments for eligible transactions done with your credit card.
My Chase Plan benefit add-on is applicable to eligible purchases on your activity history that have a value of up to $100.
Working on an after-transaction basis, you can use it as your buy now pay later in-store option whenever you want to split payments for products and services at a retail outlet.
Just as similar credit card benefit add-ons, any eligible purchase must be up to an expense amount of $100.
PayPal Pay in 4 Card
Min. Amount
$30
Max. Amount
$1,500
BNPL Card
Virtual
Tip: If you didn’t know you have access to a virtual card add-on that can enable you to use buy now pay later in-store with your PayPal Pay-in-4 account, go to the Paylater tile on your dashboard to generate one.
PayPal also provides a buy now pay later virtual card which can be generated and connected to digital wallets for use in-store.
This can be created by going to the Paylater tile when you are logged into your account. The card details will be there if you have one existing or you can request a new card from the same page.
This single-use card can be added to any digital wallet such as Google Pay and Apple Pay for splitting purchase payments in-store.
Powered by Mastercard, it can be used at most retail outlets for shopping.
Zilch
Min. Amount
$10
Max. Amount
$1,000
BNPL Card
Virtual
Tip: Zilch is 100% a virtual card-based buy now pay later service provider with its card usable online and in-store.
Zilch provides a virtual card that will enable you to buy now and pay later at Walmart, Target, and other retail locations.
Its Mastercard-powered card can be connected to any of your digital wallets for seamless payment splitting for store walk-in shopping.
This platform also has a reward program that will enable you to earn points for different events on the app including 2% cashback if you decide to use its pay-in-1 option.
Bread Pay
Min. Amount
$50
Max. Amount
$1,000
BNPL Card
Virtual & Physical Card
Tip: Bread Pay also provides a virtual BNPL card linkable to digital wallets and if you have an existing credit card provided by Bread Financials, you can enjoy buy now pay later in-store with this service.
Bread Pay is a buy now pay later service from Bread Financial, a popular financing brand and the parent company of Comenity Bank.
This split payment solution has hundreds of merchants that accept it offline and with its virtual card, you can use it anywhere else.
If you have any of the credit cards from Bread Financials, this feature is built into your existing account and you can enjoy it for buy now pay later in-store shopping.
Other options that support in-store shopping
These financing providers below also have sizeable retailers that accept them for buy now pay later in-store shopping:
Acima
- Acima provides lease-to-own solutions, allowing customers to access products and services without traditional credit checks.
Katapult
- Katapult offers lease-to-own services, enabling customers to acquire products without a credit check. It provides a flexible payment option for various items.
Synchrony
- Synchrony provides versatile financing solutions, empowering consumers to make purchases through a network of affiliated retailers. Their credit programs cater to a range of products and services.
Progressive Leasing
- Progressive Leasing offers lease-to-own options, allowing customers to acquire products through manageable payments.
Snap Finance
- Snap Finance provides flexible financing options, enabling customers to make purchases and pay over time.
UOwn Leasing
- UOwn Leasing offers lease-to-own services, allowing customers to acquire products and pay over time.
American First Finance
- American First Finance facilitates lease-to-own financing, allowing users to access products and pay gradually.
Kafene
- Kafene specializes in providing alternative financing solutions, offering lease-to-own options for various products.
With many of these split payment services providing different methods to enjoy buy now pay later in-store with your assigned purchasing power, you should be able to use them seamlessly when required.
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