The Buy Now, Pay Later (BNPL) payment scheme is gradually integrating online stores and becoming popular in the digital market.
In fact, a survey run by The Straw Group shows that 39% of consumers have tried BNPL, and of those, 55 percent tend to spend more ($312 average spend) compared to other payment methods.
This experiment shows how BNPL gradually integrates the digital market by offering customers a better way to pay for their purchases regardless of the amount they currently hold — BNPL lets online stores offer payment plans to their customers allowing them to pay for their items over time.
That said, online stores with payment plans accept point-of-sale installment loans offered by a set of service providers — Afterpay, Affirm, and Klarna are the most popular in the market since they are accepted as payment methods by most online stores.
In this completely digital world where everything is not always 100% sure, most users tend to wonder if there are online stores with payment plans, and thankfully, there are a set of options to choose from.
To address this issue, we've compiled the best online stores with payment plans to help you shop online in full trust and pay for your purchases over time.
Table of Contents
What Are Online Stores With Payment Plans?
With a good number of online stores nowadays, finding the most trusted and reliable ones isn't always obvious in most cases.
Online stores with payment plans are those stores that let you shop and pay for your purchases in a set of fee-free installments — most of them offer point-of-sale installment loans through services like Affirm, Afterpay, and Klarna.
This method of payment, BNPL, is rapidly integrating the digital market as customers can have their full confidence of not getting ruled out for items they really wanted and also, let them pay for their items over time in case they don't hold the full amount at the moment.
10 Best Online Stores With Payment Plans
There are a couple of online stores with payment plans out there; however, making a choice on the most reliable one for your needs can be really difficult.
To help you out, here are the best online stores with payment plans for shopping online and paying over time.
1. Ashley Homestore
Ashley (formerly known as Ashley HomeStore and still known as Ashley Furniture HomeStore in some countries) is an American furniture store chain that sells Ashley Furniture products.
Ashley Advantage™ Online Financing is a program that allows customers to shop now and pay for their items in 6 months ($150 minimum purchase required for Great American Finance purchases), 12 months ($499 minimum purchase required for Great American Finance purchases), or 60 months ($3999 minimum purchase required for Synchrony purchases).
Ashley Homestore is one of the best online stores with payment plans that offer the service through Caddipay which allows customers to shop and pay in 4 interest-free easy payments.
Additionally, Caddipay does not impact your credit score.
Great American Finance is the provider of the installment plan financing available through Caddipay.
Applications submitted to Great American Finance may be initiated by any of a number of lenders, including Ashley Homestore's lending partners or Great American Finance, which is a licensed lender in several states.
Great American Finance provides loan servicing for all loans that have been originated by Ashley Homestore lending partners.
Customers that meet the requirements won't be charged interest on the purchase, provided their credit is approved.
Keep in mind, however, that there may be late charges.
Ashley Homestore equally offers payment plans for customers with bad credit through Acima making Ashley Homestore one of the best buy now pay later no credit check instant approval no money down furniture out there.
Ashley Homestore offers a range of furniture deals with low monthly payments from which you can browse, shop and pay on a monthly basis.
2. Bradford Exchange
The Bradford Exchange is an American producer and seller of unique gifts, original fine jewelry designs, extraordinary collectibles, artful apparel, and home decor.
Bradford Exchange is one of the best online stores with payment plans since it lets users shop and pay over a set of months.
Your monthly installment payments will be debited from the payment method you approved at checkout — you won't be charged any fee for their payment plans.
Your first installment will be deducted when your item is selected for shipping from their warehouse.
For instance, if you use the Installment Plan to buy anything for US $79.95, you can choose to pay for it in four equal payments of US $19.99 each.
Your monthly installment payments will be debited from the payment method you approved at checkout.
Once your initial payment is made in full, your item will be sent to you.
3. Conn's HomePlus
Conn's HomePlus is an American furniture, mattress, electronics, and appliance specialty retailer headquartered in The Woodlands, Texas, United States with a mission to elevate home life to home love.
Conn's HomePlus is an online store with payment plans that allow customers to shop now and pay later over time with full confidence — it offers payment plans through Preferred Lease services.
You can get approved for up to $4,000 and start shopping Conn's HomePlus products right away.
4. Home Shopping Network
Home Shopping Network (HSN), is an American free-to-air television network that sells thousands of unique products through its shows, which are broadcast 24 hours a day via cable, satellite, and network television.
Electronics, apparel, cosmetics, home goods, and entertainment are HSN's core product categories.
HSN is another online store with payment plans that offer the service through Flexpay and ZiP.
Customers who choose the FlexPay payment option can split the cost of the desired item into up to five equal monthly payments.
With FlexPay, you may get what you want right away and pay for it in simple, interest-free installments. There are no additional fees.
Simply select the FlexPay option at the time of purchase, and HSN will split the cost of your order into up to five equal monthly payments.
Your item should be shipped immediately, allowing you to start using your item right away.
You'll be charged for the first monthly installment plus tax and delivery on your credit card.
After that, your credit card will automatically be charged the remaining balance over the course of the following 30 days in equal monthly installments.
Keep in mind that cell phones over $500, jewelry over $1,000, video games over $1,000, coins over $500, TVs over $2,500, computers over $1,500 (all desktops, all laptops, and all tablets), HSN gift cards, home protection plans, Auto-Ship, and certain Andrew Lessman products might not be eligible for the FlexPay promotion.
Moreover, before approving the orders, HSN checks the credit and might evaluate the credit report making HSN not a great choice for those with bad credit history.
Quality Value Convenience, commonly known as QVC, is an American free-to-air television network, and flagship shopping channel specializing in televised home shopping, owned by Qurate Retail Group that sells shop beauty, electronics, fashion, home, and some other categories of products.
QVC uses the Buy Now Pay Later through EasyPay and ZiP.
Easy Pay lets customers shop at QVC and pay in interest-free monthly installments and as such is considered one of the best online stores with payment plans.
Additionally, you won't incur extra charges or hidden fees when using Easy Pay to shop at QVC product categories.
Also Read: Online Shopping Sites With Credit Lines
SHEIN is an international B2C fast fashion e-commerce platform (that) focuses on women's wear, but also offers men's apparel, children's clothes, accessories, shoes, bags, and other fashion items" and it upholds the philosophy that "everyone can enjoy the beauty of fashion."
SHEIN is without a doubt one of the best online stores with payment plans as it works with some of the most popular Buy Now Pay Later Services including Afterpay, Klarna, and ZiP.
Afterpay lets you shop at SHEIN and pay for your purchases in 4 fee-free equal installments with the first payment being made at the time you place your order.
Klarna lets you split your purchase amount into 4 fee-free equal installments and you'll be automatically charged every two weeks for your purchase repayments.
ZiP lets you split your purchase into 4 interest-free payments as well; however, the first 25% of your order is charged at the time of purchase and the remaining amount would be paid in 3 equal interest-free installments.
Amazon.com, an online retailer, manufacturer of electronic book readers, and Web services provider became the iconic example of electronic commerce.
In fact, it is Amazon.com is an American multinational technology company that focuses on e-commerce, cloud computing, online advertising, digital streaming, and artificial intelligence.
Amazon is one of the best online stores with payment plans not just because of its products and services diversity, but because it offers a 5-month payment plan for select products.
Although some other retailers have it enabled as well, typically Amazon items (Amazon Echo, Amazon Kindle, Amazon Fire TV, and Amazon Ring) are included in its payment plans.
There are many things that qualify for monthly payments, but finding them is unfortunately difficult.
We advise selecting the category first, then looking through a few of the most popular items.
8. Water Drake
Water Drake is an American retailer that offers a selection of unique kitchen gadgets, practical home solutions ingenious laundry products, and smart bathroom solutions.
Walter Drake works with EasyPay to offer credit card holders a way to split their purchase amount and pay for them over time.
Your order must exceed $75 to use EasyPay Buy Now Pay Later Service.
Sales tax and shipping and handling charges are included in the initial payment.
You'll then be able to pay for your outstanding balance in equal monthly installments.
9. Country Door
Country Door is an online retailer of furnishings, apparel, home accents, and even lighting that may add comfort and coziness to any home.
Country Door's Decorate Now, Pay Later credit plan let customers shop and pay for their purchases in monthly installments making Country Door one of the best online stores with payment plans.
Country Door's Decorate Now, Pay Later credit plan features;
- Monthly payments as low as $20
- Easy account set-up
- No annual fees
- Zero Fraud Liability
Getting started is very easy and the application can be done in 3 simple steps:
- Shop. Check out.
- Select Country Door Credit as your payment method.
- Submit your order.
Applications for Decorate Now, Pay Later credit plan typically take 24 hours and are submitted together with the order.
Ginny's Credit Plan makes cookware, appliances, dinnerware, furniture, bed and bath, home décor, and gifts affordable.
With Ginny's Credit you get buy now, pay later convenience on colorful kitchen products, furniture, electronics, and much, much more allowing you to shop and split your purchase amount in a set of monthly installments that can be paid over time.
Ginny's guarantees fast approval and low monthly payments from $10 for purchases of up to $100.
Apply for Ginny's credit plan is very easy and straightforward:
- Place your order and ask for Ginny's Credit at checkout.
- Answer a few simple questions.
- Get an answer fast!
Buy Now, Pay Later Services and Their Participating Retailers
Most online stores and retailers use the rapidly growing BNPL scheme by accepting point-of-sale installment loans as a payment method.
However, these BNPL services are not accepted everywhere, and knowing where you can shop with buy now, pay later completely depends on whether or not the retailer accepts the BNPL service.
To help you out, we've grouped a list of retailers working with the most popular BNPL services that you might be probably using.
Affirm is a BNPL service that lets you shop and pay later in a set of installments at the following retailers:
- Best Buy
- Delta Vacations
- Expedia hotels and vacation packages
- Nectar Sleep
- Neiman Marcus
- Pottery Barn
- Saks Fifth Avenue
- The RealReal
Afterpay is a popular BNPL service that is accepted as a payment method by many retailers including those in the health and beauty, fitness, apparel, and jewelry industry.
Some retailers that accept Afterpay as a payment method include:
- Bed Bath & Beyond
- Finish Line
- Forever 21
- MAC Cosmetics
- Pier 1
- Tory Burch
- Ulta Beauty
- Urban Outfitters
Klarna is a popular BNPL service that lets you split your purchase amount and pay over time where ever the service is accepted.
Some online stores that work with Klarna include:
- Bed Bath & Beyond
- Calvin Klein
- GUESS Factory
- Tommy Hilfiger
Sezzle is another BNPL service that works with a number of brands including:
- Alani Nutrition
- Itzy Ritzy
- Jessica Simpson
- Lamps Plus
- Melt Cosmetics
- Umbro Premier
Four is yet another BNPL service that works with a number of brands in the clothing and accessories industry.
Some online retailers that work with Four include:
- 360 Mindful
- Fetch Eyewear
- Hungry Apparel
Zip lets you use point-of-sale installments to make payments at participating retailers including:
- Famous Footwear
- TJ Maxx
- Ulta Beauty
Buy Now, Pay Later vs. In-Store Financing
Buy now, pay later financing is not the only option for making purchases over time.
Numerous retailers offer their own in-store payment plans as seen with some of the online stores mentioned above.
Usually, these are classified as deferred-interest financing arrangements.
You can use a shop credit card to make a purchase using this kind of payment plan and pay no interest for a specified length of time.
If the balance has not been paid in full at the end of the period, any interest that would otherwise have accumulated shall be due.
Deferred-interest financing may provide you 12 to 24 months—or even longer—to finish repaying your purchase amount, even though buy now, pay later financing plans often let you split payments into four or six installments.
Deferred interest payments are the better option of the two if you want to spread out your payments for a significant purchase.
You might not pay any interest at all on the purchase when using point-of-sale installment loans.
On the other side, if you don't pay the balance in full before the promotional period ends, deferred-interest arrangements may end up costing you money.
You can be liable for paying interest on the entire starting balance even if there is a small balance left.
Buy Now, Pay Later vs. Credit Cards
Consider using a credit card in place of buy now, pay later if a retailer does not accept it.
Benefits that buy now, pay later plans do not include are offered by several credit cards.
When using a rewards credit card to make purchases in-person or online, for instance, you might be able to earn points, miles, or cash back.
If you're benefiting from a 0% initial purchase APR offer, credit cards might also incur no interest —and if you can pay off your monthly bill in full, you won't have to pay any interest.
A point-of-sale loan requires four to six installment payments; a credit card requires longer to pay off charges. But keeping a balance might be expensive if you're accruing interest each month.
Therefore, take into account how long it will take you to pay off a transaction before using any payment method.
Frequently Asked Questions
What sites offer payment plans?
Ashley Homestore, Bradford Exchange and Conn's HomePlus are some of the sites that offer payment plans to customers.
What online stores offer buy now pay later?
Country Door, Bloomingdale's, Calvin Klein, GameStop, Anthropologie, Bed Bath & Beyond, Dillard's are some few online stores that offer buy now pay later.
What buy now pay later can you use to pay bills?
ViaBill, Willow are excellent buy now pay later services that you can use to pay your bills.
Which buy now, pay later doesn't check credit?
Afterpay never does credit checks or report late payments, so using it won't affect your credit score. Spending limits start at $500 and increase as you responsibly use the app.
Final Thoughts: Online Stores With Payment Plans
In this new world where businesses keep moving to the digital level, having the best and most convenient method to pay for your purchases is more than vital.
Most online stores strive to provide the best payment methods available—BNPL services are rapidly growing and becoming the preferred payment method by most customers.
Thankfully, BNPL services are rapidly integrating most retailers as we find a variety of online stores with payment plans nowadays.
If you're confused about where to shop with these BNPL services, this article should help you get what you need where you want as long as your payment method is accepted by the retailer.