Pay as you go shopping offered by top sites provides convenience in handling purchases and most require no credit check to use.
Just like applying for buy now pay later financing, PAYGo websites enable you to avoid the upfront costs associated with shopping for essential products and operate through flexible installments.
Interestingly, using them to finance your purchases will have no impact on your credit score as most of them rely on a soft inquiry to determine your eligibility.
Best Pay As You Go Shopping Sites and Apps
Below is a list of top websites where you can enjoy pay as you go shopping:
Amazon
PAYG with
Affirm, Citi Flex, Amazon Monthly, Prime Visa
Type
Marketplace
Tip: Amazon supports pay as you go shopping through its acceptance of Affirm, Citi Flex Pay, and Prime Visa in addition to its in-house managed monthly payment option.
When it comes to buy now pay later financing on Amazon, there are several options you can utilize to spread the cost of your orders.
While Affirm is a popular choice, Citi Flex is another that you can use to pay Amazon monthly for your purchases.
Despite its wide coverage through the Amazon payment gateway, Citi Flex Pay is only available to eligible Citi cardholders.
There are other ways you can enjoy pay as you go shopping on Amazon, including the split payment feature that comes as part of the benefits of the Prime Visa which adds to its interest-free monthly financing for qualified frequent customers.
Stoneberry
PAYG with
Own Credit
Type
Credit Line
Tip: Stoneberry is one of the conventional pay as you go shopping sites that offer store credits you can utilize for flexible payments.
This platform is known for its shop now pay later service model, providing an amazing inventory of items spread into different categories you can buy with no upfront costs.
Stoneberry allows you to apply for its credit line and though you do not need a perfect credit score to be eligible to buy products from its catalog, you may enjoy no down payment financing if you have a bureau good record.
It has two different kinds of credit accounts and if you are not qualified for its default, you may be offered its alternative that requires a little deposit before your order ships.
When you pay back the complete amount before or by the due date with no default, the platform can upgrade you to its default user type where you can enjoy pay as you go shopping subsequently without being bothered by down payments.
Abunda
PAYG with
PayPal, PayTomorrow, Acima, etc.
Type
Gateway
Tip: Abunda is a unique option on this list of pay as you go shopping sites as the platform enables you to buy products on Amazon and pay later using financing methods not supported by Amazon like PayPal, Acima, Apple Pay Later, Four, PayTomorrow, and others.
Abunda is one of the ways to use PayPal Pay-later on Amazon for flexible purchases and you can use either the Pay in 4 or long-term financing PayPal Credit.
While that is a top option considering the number of PayPal accounts, the platform also allows you to use Klarna on Amazon for payment plan orders.
Abunda can be interpreted as a pay as you go shopping warehouse and this is due to the number of providers the platform has integrated.
There are also lease-to-own service payment methods as it is one of the online stores that accept PayTomorrow and Acima.
Temu
PAYG with
PayPal, Klarna, Afterpay
Type
Marketplace
Tip: Temu is a popular marketplace known for its discounted offerings in several categories that include Clothing, jewelry, home improvement supplies, and more. With its acceptance of PayPal, Afterpay, and Klarna, you can spread the payments for your purchases.
This platform has gained popularity for its diverse array of discounted offerings across multiple categories, making it a go-to destination for savvy shoppers.
To enjoy buy now pay later financing on Temu, it offers many options with the widely common being PayPal, Klarna, and its integration with Afterpay.
The platform caters to a broad spectrum of consumer needs, including clothing, jewelry, home improvement supplies, and an extensive range of other products.
It also supports payments through digital wallets that include Google Pay and Apple Pay hence, you might be able to finance your orders on the portal through one of the buy now pay later virtual cards.
Sears
PAYG with
Zip, Katapult, Citi Flex Pay
Type
Retail
Tip: Sears is another destination you can finance a variety of products on this list of pay as you go shopping sites, thanks to its acceptance of Zip, Citi Flex Pay, and Katapult.
Sears is one of the popular websites for purchasing different kinds of items and with its vast inventory of products, there is a lot you can buy when shopping on its portal.
Being among the online stores that accept Katapult for lease financing in addition to its split payment support for Zip, Sears is another good website to enjoy pay as you go shopping on many items in its collection.
As an alternative, the platform also provides a credit card which comes enabled with the Citi Flex Pay add-on hence, applying and getting approved for this will enable you to enjoy flexible order cost splitting through Sears.
Wayfair
PAYG with
Klarna, PayPal, Bread, Citizens, etc.
Type
Retail
Tip: There are a few pay as you go shopping sites that provide a number of options as you can access when you visit the Wayfair portal. Its single-click payment plan checkout option will enable you to utilize Klarna, Bread Pay, Affirm, PayPal, Katapult, Acima, and Citizens Pay.
It is one of the top places you can enjoy buy now pay later furniture purchases, thanks to its vast inventory of products.
There are many payment methods when it comes to pay as you go shopping on Wayfair, including Klarna, Affirm, and PayPal, which add to its being one of the online stores that accept Citizens Pay.
You can also enjoy lease-to-own payment plans when you checkout with Katapult and Acima as both are supported as part of its Wayfair Financing single-click installment purchase application.
It offers a vast selection of furniture, lighting, bedding, kitchenware, and more, providing customers with a diverse array of options to suit various styles and preferences.
Walmart
PAYG with
Affirm
Type
Retail
Tip: Walmart is one of the top pay as you go shopping sites, thanks to its wide inventory and support for Affirm financing at checkout.
You can enjoy buy now pay later purchases on Walmart with Affirm being its payment plan provider at checkout for flexible installments.
While its direct-to-use option when shopping online may be limited, you can take advantage of the digital payment wallet it provides.
With Walmart Pay, you can generate and connect one of the top buy now pay later virtual cards for checkout financing on the platform.
If you live close to any of its retail outlets, you can request in-store pickup and also take advantage of other pay as you go shopping options like using SmartPay at Walmart‘s physical stores.
Perpay
PAYG with
Own Credit
Type
BNPL
Tip: Perpay is the pay as you go shopping site for employed individuals as the platform relies on paystub as one of its eligibility criteria.
It is one of the top employee purchase programs for the financing of products in categories like electronics, furniture, appliances, and more.
Perpay does not perform any form of credit check but rather, your purchasing power to be used for buying items on its marketplace is based on your employment income.
That means that to qualify for a Perpay spending limit, you will need to have an active contract with a company that can be verified as you will be required to make your first installment through payroll direct deposit before your order will ship.
To enable its users to enjoy their purchasing power outside its marketplace, there is the Perpay Credit Card that grants up to $1,000 in prepaid balance that you can use for pay as you go shopping at any retailer of your choice.
PayPair
PAYG with
UOwn, Koalafi, etc.
Type
Gateway
Tip: PayPair is one of the gateway-based pay as you go shopping sites and operates akin to a marketplace enabling retailers to sell through its platform with flexible payments mostly by lease-to-own services like UOwn, American First Finance, Koalafi, and others.
PayPair is another option that provides a platform connecting you to a host of options you can use for pay as you go shopping on different products, especially for buy now pay later electronics financing, decor, appliances, and others.
Most of its payment plan options operate on a lease-to-own basis with providers including American First Finance and Uown Leasing.
The platform also supports pay as you go shopping through Koalafi and with most of them requiring no down payment, you can have it on your list of alternatives.
However, note that lease-to-own can be expensive if you miss using the early buyout window provided by its partners.
Instacart
PAYG with
Klarna
Type
Retail
Tip: Instacart also supports flexible payments through its acceptance of Klarna and you can utilize it for grocery delivery.
When you want to enjoy buy now pay later grocery shopping, there are a few places that offer more than you can access when utilizing the Instacart portal.
Popular for its vast aggregation of neighborhood retail outlets on its online platform, you can use it to get food essentials delivered to your location from your favorite grocers.
To enjoy pay as you go grocery shopping on Instacart, simply checkout with Klarna to spread the cost of your purchases.
Bed, Bath & Beyond
PAYG with
Klarna, Progressive
Type
Retail
Tip: Pay as you go shopping through the Bed, Bath & Beyond portal involves using either Klarna or Progressive.
The platform’s offering includes a wide range of products for bedrooms, bathrooms, kitchens, and beyond.
Though it is one of the online stores that accept Progressive for lease-to-own payment plans, you can also use Klarna for either pay-in-4 or long-term installment financing.
You can enjoy pay as you go shopping from its vast inventory that includes bedding, towels, kitchenware, home décor, and organizational items.
It caters to various styles and preferences, making it a go-to destination for customers looking to enhance their living spaces.
Best Buy
PAYG with
PayPal, Zip, Progressive, Citi Flex Pay
Type
Retail
Tip: There are four major options you can utilize for pay as you go shopping when purchasing electronics through the Best Buy website, including PayPal, Citi Flex Pay, Zip, and Progressive Leasing.
Being one of the top providers of consumer gadgets, there is no better place to enjoy buy now pay later electronic purchases than using either its online portal or visiting any of its retail outlets.
While the Best Buy Progressive Leasing payment plan method is a popular option for many who prefer lease-to-own, its four installment financing is through Zip.
There is also PayPal as one of the methods you can utilize to enjoy buy now pay later on Best Buy with the possibility to use either Pay in 4 or PayPal Credit depending on which is available to your account.
The platform’s credit card is powered by Citi hence, you may be able to enjoy the split payment feature through its Flex Pay add-on.
eBay
PAYG with
PayPal
Type
Marketplace
Tip: eBay needs no introduction as it is one of the top choices when it comes to shopping online. Through its acceptance of PayPal pay later options, you can enjoy flexible payments on your purchases.
It is another great platform on this list of pay as you go shopping sites with the strength lying in its vast and varied inventory, encompassing everything from electronics and fashion to rare collectibles and vintage items.
To enjoy buy now pay later on eBay, you only have the option to utilize PayPal for splitting order costs as that is its only checkout option as an alternative to using your debit or credit card for payments on the portal.
At the heart of eBay’s appeal is its unique blend of auction-style listings and direct purchasing options through “Buy It Now.”
This flexibility will allow you to either engage in exciting bidding wars or secure immediate transactions, ensuring a shopping experience tailored to individual preferences.
There are several product listings on the marketplace, including refurbished items that you can purchase on a pay as you go term.
Target
PAYG with
Affirm
Type
Retail
Tip: Target is one of the leading retailers that offers a diverse range of products with flexible payments through Affirm on this list of pay as you go shopping sites.
While there are many buy now pay later apps for Target payment plan orders, Affirm is only the conventional split payment provider directly accessible on the platform.
There is also the RedCard which can offer you a credit line you can use for financing your orders both on its portal or when you visit any of its retail outlets.
Alternatively, the platform also has a digital wallet that can used in connecting one of the top split payment cards for in-store buy now pay later financing.
It caters to a diverse customer base by offering a broad selection of products ranging from clothing and electronics to home goods and groceries.
Fingerhut
PAYG with
Own Credit
Type
Credit Line
Tip: Fingerhut is also conventionally a pay as you go shopping site just like Stoneberry with most of its customers using the platform for its flexible payment plans.
It is one of the popular buy now pay later catalog providers with its operations based on a revolving line of credit it assigns to its users for purchasing products in its collection.
The platform is known for its ability to help repair bad credit, thanks to its reporting of assigned credit lines and repayment activities to the major bureaus.
When using Fingerhut for financing products in its collection that include electronics, furniture, mattresses, appliances, gaming consoles, and others, you will need a credit account.
The platform has two types of accounts with the default being the Fingerhut Fetti which can be used for shopping with no down payment required until the due date on your statement.
However, since not all users will be eligible for the default Fingerhut credit card account, there is an alternative through its FreshStart which is a failover option if you are declined for its Fetti but this requires a down payment before your order will be shipped.
The FreshStart is a temporary option and once you complete the full payment on or before the statement due date, you will be upgraded to the Fetti for a better pay as you go shopping experience on the platform like being able to purchase through the Fingerhut catalog.
The ability to pay for products through flexible installments, often without the burden of interest, rigid timelines, or upfront costs, grants consumers greater control over their finances.
These pay as you go shopping sites do not only enable convenience but allow you to enjoy the products you desire without compromising your budget, especially when you have other essentials that require funds.
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