How to Buy Now and Pay Later

Pay Later Shops let you go shopping now and pay at a later date. Stores offering “pay later shopping” are different from Bill Me Later Stores.

If there’s something you have to go shopping for now, using a Pay Later offer is better than using a credit card because pay later sites have no interest charges.

Only a few online stores offer the pay later option but we try to keep the most current list. “Order Now Pay Later” is sometimes referred to as: Deferred billing, value pay, low monthly payments, installment billing, easy pay, or flex pay.

Pay in Four Apps

Popular pay in 4 apps like Klarna, Affirm, and Zip tend to increase your spending power when you pay on time. Your credit score usually isn’t a factor when you break your purchase into 4 payments. If you apply for the zero down financing offer though they will do a credit check.

Bill Me Later

Most shoppers who have left comments on the Pay Later Shops blog over the past few years have said they were denied for Bill Me Later Merchants. Bill Me Later tends to offer a longer “pay later” period, often letting you pay 6 months later with no interest if paid in full.

Deferred Billing

The average offer for deferred payments is 3 months. But in order to qualify for the Bill Me Later option, you have to have a good credit score. Also, even if you are approved, Bill Me Later works similar to a credit card because if you don’t pay off your entire balance when the pay later term is up, you’ll be charged interest.  

Some of the most popular deferred billing catalogs, such as, Spiegel, Chadwicks, Bradford Exchange, and Roamans are online versions of mail order shopping catalogs and have been around for a long time. Often, they will offer pay later codes in their catalogs as special offers to customers in good standing.

Many Pay Later Shops visitors say good things about the store, Fingerhut, which has an ongoing offer for store credit and buy now pay later. So, shoppers with bad credit can take advantage of shopping now and paying months later. Plus, making the low monthly payments helps raise their credit score, which in turn,
offers more store credit in the future.

Stores Offering Pay Later

• Brylane Home
• Daniels Jewelers
• Faire
• Fingerhut
• Gettington
• HSN
• Montgomery Wards
• QVC