Pay later
Zip
- Cost
- Origination fee
- Credit check
- No impact to apply
Checked Nov 11, 2026 We saw Zip at the store’s checkout
Store offer, minimum and plan lengths are from Lord & Taylor’s website. Cost and credit check are Zip’s general terms.
Pay over time at Lord & Taylor
Lord & Taylor sells designer clothing, handbags, eyewear and accessories online. We confirmed Zip and Flex Pay by Upgrade here.
- 2 options confirmed
- Checked Nov 12, 2026
- Department stores & marketplaces
Ways to pay over time
Options and terms can change and depend on your credit. Confirm at checkout before you accept.
Pay later
Flex Pay by Upgrade
- APR
- 0% to 36%
- Credit check
- Soft check only
Checked Nov 12, 2026 We saw Flex Pay by Upgrade at the store’s checkout
Store offer, minimum and plan lengths are from Lord & Taylor’s website. APR and credit check are Flex Pay by Upgrade’s general terms.
What a plan could cost
Example: Cashmere crewneck cardigans at $399.90 (price on Nov 12, 2026), paid monthly over 12 months with Flex Pay by Upgrade financing, where the store offers it.
| APR | Monthly | Total paid | Interest |
|---|---|---|---|
| 0% | $33.32 | $399.90 | $0.00 |
| 19.99% | $37.04 | $444.51 | $44.61 |
| 36% | $40.17 | $482.10 | $82.20 |
For illustration only, before tax and shipping. Your APR depends on your credit and the plan. 0% APR is only possible if the store runs a 0% offer and you qualify.
How to pay over time at Lord & Taylor
- Add what you want to your cart on lordandtaylor.com.
- At checkout, choose Zip or Flex Pay by Upgrade.
- Each one runs its own check. The cards above show which use a soft check and which can affect your credit.
- Compare the plans and the total cost, then accept only if the total works for you.
Questions about Lord & Taylor financing
Does Lord & Taylor offer financing?
Yes. We confirmed Zip and Flex Pay by Upgrade at Lord & Taylor on Nov 12, 2026. Options can change, so check at checkout before you buy.
Will checking my rate at Lord & Taylor affect my credit score?
Zip says applying won't affect your credit. Loans may be reported to credit bureaus, and late payments can show.
Can I use Zip in a Lord & Taylor store?
We checked online shopping at Lord & Taylor only. If the store has physical locations, ask there whether financing is available.
More stores: Department stores & marketplaces
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