You can pay Amazon monthly for your purchases and some allow you to enjoy interest-free financing up to 12 months.
The option to spread your Amazon shopping payments into monthly adds a new layer of flexibility, allowing you to manage your expenses more efficiently.
Many of the options are directly accessible on the checkout page with long-term financing allowing you to enjoy buy now pay later on Amazon for up to 12 months with no interest and yes, there are some you can use for up to 24 months tenor.
Best Ways to Pay Amazon Monthly
Below is the list of the different ways to enjoy monthly installment payments for Amazon purchases:
Prime Visa Installment
Usage
Direct
Max
24 Months
APR
Up to 27.49%
Tip: Prime Visa Installment also allows you to pay Amazon monthly if you have its credit card; amazingly, it comes with interest-free financing for up to 12 months during the promo APR phase.
The Amazon Prime Visa is an amazing credit card with buy now pay later built-in as part of the benefits you will enjoy for being a cardholder.
With up to 12 months of interest-free financing during the promotional APR period, this is one good option to consider when you want to pay Amazon monthly as a new user.
You can also use this card to spread purchase payments with no down payment at thousands of retailers that accept Amazon Pay.
Credit cards are known for their benefits especially when it comes to cashback and the Prime Visa is no different with at least 2% rewards when used at gas stations, making it a good choice for bill payment financing.
To use this option to pay Amazon monthly for your purchases on the marketplace, you need to select it when making payments and the option to spread the costs will be shown.
Amazon Pay in 5
Usage
Direct
Max
Four Months
APR
0%
Tip: Pay in 5 is a popular financing method that allows you to pay Amazon monthly for up to a maximum of four months with no interest but this option is available to frequent shoppers.
Amazon Pay in 5 offers eligible customers the opportunity to enroll in an installment plan for qualifying products.
This convenient option is easily accessible both on the product detail page and during the checkout process, with eligibility determined based on your Amazon account information, including your purchase history.
This payment method allows you to make a purchase instantly and pay over time, all without the need for a credit report.
The total cost is divided into initial and subsequent monthly payments, and there are no added interest or finance charges.
Taxes, shipping, and any additional charges are due with the initial payment, typically on the day your package is shipped.
By choosing the interest-free Amazon Pay in 5 option, you can defer payments for up to 120 days, followed by monthly repayments in four equal installments after the initial payment.
Affirm Financing
Usage
Direct
Max
48 Months
APR
Up to 36%
Tip: Affirm is directly available at checkout which you can use to pay Amazon monthly for up to 48 months. Some items also qualify for interest-free financing using this option.
Affirm opens up a convenient avenue for Amazon shoppers with its monthly financing option, a straightforward process requiring the addition of qualifying items totaling $50 or more to the shopping cart.
During checkout, you can opt for Affirm as your preferred payment method, unlocking the flexibility to enjoy interest-free monthly financing on eligible products from Samsung, Dell, and OnePlus for up to 12 months.
For those seeking an extended payment timeline, Affirm allows users to spread their purchase costs over a maximum of 48 months, contingent on the cart value.
Purchases falling within the $50 to $249 range can access a maximum of 12 months of financing, with certain items, such as Samsung and OnePlus smartphones, OnePlus accessories, and Dell computers, qualifying for interest-free terms.
While alternative options for 24 and 34 months are available, the opportunity to extend payments up to 48 months is dependent on the cart value reaching $1,500.
This level of flexibility positions Affirm as a versatile financing solution catering to a broad range of Amazon purchases, providing users with tailored payment plans that align with their preferences and needs.
Citi Flex Pay
Usage
Direct
Max
24 Months
APR
Up to 29.24%
Tip: Flex Pay is for Citi cardholders and this option provides a convenient means to pay Amazon monthly by selecting the eligible credit card at checkout.
Citi Flex Pay extends a valuable convenience to Citi cardholders by offering the ability to transform qualifying purchases into easily manageable monthly installment plans.
To utilize this feature to pay Amazon monthly for your shopping expenses, seamlessly link your eligible Citi credit card to your Amazon account.
During checkout, for a cart value of up to $50, selecting the linked Citi credit card unlocks this flexible payment option.
Alternatively, Citi credit cardholders can access the Citi Flex Pay service through their online account, allowing them to handpick eligible purchases for installment plans.
The online version follows a postpaid model, necessitating prior card usage before conversion to a Flex plan.
While this option involves a monthly fee, settling your credit card balance before the due date enables you to bypass this charge, presenting an added layer of flexibility to your payment choices.
Klarna Financing
Usage
Alternate
Max
36 Months
APR
Up to 33.99%%
Tip: Klarna also supports long-term financing which you can use to pay Amazon monthly for up to 36 months in installments.
Klarna stands is a well-known buy now pay later service, offering a convenient avenue for monthly payments on Amazon through its innovative installment payment option.
The distinctive model involves the creation of a virtual card within the Klarna platform, which users can seamlessly use when entering their billing information.
Users are only required to make an initial partial payment at order shipment, with the remaining amount charged to their account every month until the payments are complete, spanning a maximum period of 36 months.
Klarna’s mobile application enhances user experience by allowing effortless browsing of Amazon products, enabling users to add items to their cart, and conveniently spread the purchase into manageable monthly payment schedules.
It also provides an additional avenue that enables you to pay Amazon monthly through its browser extension.
Once installed and activated on browsers like Google Chrome, the extension seamlessly facilitates payment splitting during the checkout process, offering users a versatile and user-friendly solution for managing their Amazon expenses.
My Chase Plan
Usage
Alternate
Max
24 Months
APR
29.22%
Tip: If you have a Chase credit card, you can also utilize its buy now pay later feature to pay Amazon monthly for up to 24 months.
My Chase Plan offers a dynamic buy now pay later option for eligible transactions, extending flexibility to Chase credit cardholders.
This feature empowers cardholders to convert qualifying Amazon purchases into structured and fixed monthly payments, distributing the overall cost over predefined periods, typically ranging from three to twenty-four months.
This strategic offering provides customers with a good means to navigate their budgets more effectively, especially when making larger purchases that might otherwise pose an immediate financial challenge.
The user-friendly process enables cardholders to effortlessly select eligible transactions and specify their preferred repayment term during the addition via their Chase app.
While My Chase Plan entails a fixed monthly fee, it serves as a good alternative to conventional credit card payment structures.
This tool is not only convenient for those seeking ways to pay Amazon monthly but also offers a straightforward approach to budgeting for substantial expenses at other retailers.
Zip Money
Usage
Alternate
Max
60 Months
APR
0%
Tip: Zip Money is an interest-free financing provided by Zip and you can use it also to pay Amazon monthly through its extension.
Zip Money is a flexible and interest-free digital payment solution that empowers users to make purchases and pay later, offering an alternative to traditional credit cards.
With Zip Money, you can enjoy the freedom to spread the cost of your purchases over a specified period, typically up to 60 days, without incurring interest charges during the interest-free period.
The application process is swift, and once approved, users receive a digital wallet for seamless transactions at participating merchants.
When using Zip for Amazon shopping without direct integration, users can generate buy now pay later virtual cards within the Zip application.
Navigating the mobile app, users can also effortlessly search for Amazon, proceed with their usual shopping, and seamlessly complete the checkout process.
To further enhance convenience, Zip offers a Chrome extension that you can as well utilize to pay Amazon monthly for your shopping expenses.
Once installed on the Google Chrome browser, this extension streamlines the payment-splitting process while users browse and shop on Amazon.
Abunda
Usage
Alternate
Max
36 Months
APR
Varies
Tip: Abunda is a shopping gateway that connects to third-party financing platforms to enable you to pay Amazon monthly for most products on the marketplace.
Abunda offers a distinctive gateway to financing products on Amazon through various methods like PayPal, Klarna, and others.
While you can use PayPal Credit to pay Amazon monthly interest-free for up to 4 months, you can only go through third-party gateways like Abunda to enjoy this benefit.
What makes Abunda unique is its consolidated shopping interface, aggregating Amazon products and enabling users to make direct purchases on its platform, conveniently splitting payments.
Unlike other platforms, it eliminates the need for users to visit Amazon to complete the checkout process.
It manages the primary purchase and handles the item’s delivery to the specified address.
This platform has established strategic partnerships with prominent BNPL providers, including Klarna, PayPal, Acima, and PayTomorrow.
Users with accounts from these financing providers can seamlessly shop on Amazon, splitting payments by connecting to the listed partners during the checkout process.
Katapult
Usage
Alternate
Max
12 Months
APR
–
Tip: Katapult offers a lease-to-own option with support to pay Amazon monthly through its browser extension, lease card, and in-app.
You can use Katapult on Amazon to lease different kinds of products, including furniture, electronics, appliances, and more.
This lease-to-own service provider offers varying methods you can use to access the marketplace as it is not directly available to use on Amazon.
A very popular method to use it is by downloading the Chrome browser extension and once installed, it will always be auto-called when you are on the Amazon checkout page.
Interestingly, it also provides a virtual card as common to other conventional pay in 4 on Amazon providers which you can generate and use to complete the order process.
In addition to these two methods, the Katapult in-app marketplace has Amazon and you can search to shop directly within the application and spread the cost of your purchases on a lease-to-own term.
The cost over time will be very expensive when using this method but if you will, plan to use the early purchase option to save more than 100% of the full-year rental costs.
Plan It
Usage
Alternate
Max
24 Months
APR
Up to 24.2%
Tip: If you are an American Express cardholder, Plan It allows you to pay Amazon monthly but on a post-split model after making the payments on Amazon.
Amex Plan It is a unique financial tool from American Express, offering cardholders a flexible approach to managing their payments.
It allows users to divide eligible purchases into fixed monthly installment plans, each with a predetermined fee, thereby avoiding revolving interest charges.
This innovative feature enables cardholders to budget more effectively, particularly for substantial purchases, allowing for a gradual and structured payment approach.
Users can select from a range of plan durations, typically extending from three to 24 months, providing the adaptability needed to align with individual preferences and financial objectives.
To use this to pay Amazon monthly for all your orders, you first need to do settlements with your available credit and later convert the transactions to Plan It items.
It is most available post-transaction but available for use to buy now and pay later for air tickets and other travel needs on Amex Travels, Delta Airlines, and American Airlines.
ExtendPay Plan
Usage
Alternate
Max
24 Months
APR
Up to 29.24%
Tip: ExtendPay Plan is for US Bank cardholders and is available to use to pay Amazon monthly for transactions of $100 and above in value.
U.S. Bank ExtendPay stands as a dynamic financing solution, offering eligible U.S. Bank cardholders the capability to transform qualifying purchases into manageable monthly payments.
This credit card buy now pay later option is designed to empower users to effectively manage their budgets, providing the convenience of spreading payments across an extended period.
To access this feature, cardholders can select eligible Amazon purchases and utilize the U.S. Bank Mobile App or Online Banking, ensuring a seamless and user-friendly process.
With ExtendPay, you have the flexibility to determine monthly payment amounts, facilitating the handling of more substantial expenses without undue financial strain.
Acima
Usage
Alternate
Max
12 Months
APR
–
Tip: Acima is another lease-to-own option that provides varying means to pay Amazon monthly for qualifying shopping expenses.
Stores that accept Acima comprise well-known retailers like Wayfair, Ashley Furniture, and others but you can opt for alternative methods where it is not directly available.
For instance, using Acima on Amazon involves either going through Abunda, using the LeasePay Card, or shopping through its mobile app.
The platform provides up to $5,000 which you can use to pay Amazon monthly on lease-to-own terms through its virtual card and other methods.
Just like Katapult, it can only be used on eligible products such as lease purchases for furniture, electronics, tools, and appliances.
It provides an early purchase option which you should try to use when utilizing Acima to pay Amazon monthly as this will enable you to save a lot on rental costs.
Easy Pay
Usage
Alternate
Max
24 Months
APR
Up to 26.74%
Tip: This is another post-transaction buy now pay later option for Barclays cardholders which you can utilize to pay Amazon monthly for qualifying payments.
Barclays Easy Pay is a convenient and adaptable payment solution provided by Barclays Bank, streamlining the purchasing process and introducing flexibility for customers to repay over time.
Tailored to enhance user convenience, the program offers customers a credit limit based on their account activities with no credit bureau inquiry required, allowing them to make purchases and settle payments through manageable installments.
Designed with user-friendliness in mind, Barclays Easy Pay comes with clear and straightforward terms and conditions.
Users can take advantage of this solution at various merchants, adding versatility to their payment options.
The repayment plans typically involve easily manageable monthly installments for up to 24 months, providing users with the financial flexibility they desire.
Just like similar options, using this to pay Amazon monthly requires that the transaction must have been settled before you can log into your account to convert it to Easy Pay.
The ability to pay Amazon monthly reflects a commitment from various financial institutions to provide users with tailored, user-friendly solutions, ultimately making the Amazon shopping experience more personalized and accommodating for a broad range of consumers.
With many financing providers, you should be able to spread your shopping payments conveniently using any of the options.
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