Which Major Retailers Accept Buy Now, Pay Later?

Purchase now, pay later (BNPL) is an more and more common approach for customers to make purchases on-line and in shops. These point-of-sale installment loans are supplied by plenty of providers, and an estimated 39% of individuals have tried one not less than as soon as. As curiosity in such a short-term financing grows, the variety of retailers accepting it’s also climbing. Listed here are among the shops that settle for Affirm, Afterpay, Klarna, and others.

Key Takeaways

  • Purchase now, pay later (BNPL) is a short-term financing possibility that has develop into more and more common with customers and retailers.
  • A wide range of platforms supply these point-of-sale installment loans for making purchases at taking part retailers.
  • Not all shops settle for BNPL as a cost possibility, however many prime retailers are starting to signal on.
  • BNPL financing may be handy, however there are some caveats to bear in mind.
  • If a retailer you want would not use BNPL, think about using in-store financing or a bank card.

Click on Play to Be taught All About What Purchase Now, Pay Later Is

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What Is Purchase Now, Pay Later?

Purchase now, pay later is a kind of short-term mortgage that can be utilized to pay for purchases on-line or in shops at taking part retailers. There are a variety of platforms that provide these point-of-sale installment loans, together with:

  • Affirm
  • Afterpay
  • 4
  • Klarna
  • Sezzle
  • Zip (beforehand Quadpay)

The concept behind purchase now, pay later is easy: Customers can break up up funds into 4 (or extra) installments. Relying on the platform, these loans could also be interest-free. In a way, purchase now, pay later is much like layaway, however with one key distinction: Moderately than having to attend till they’ve made all of the installment funds, customers can get their purchases immediately.

Some bank card issuers and cost processors, together with American Categorical and PayPal, additionally supply installment cost plans to eligible prospects.

6 Main Purchase Now, Pay Later Providers and Their Taking part Retailers

A rising variety of retailers settle for these point-of-sale (POS) installment loans as a cost technique. However the place you may store with purchase now, pay later will depend on which cost platform you are utilizing. Here is how six purchase now, pay later platforms evaluate when it comes to the place you should utilize every one.


You need to use Affirm to pay at main retailers and different corporations, together with:

  • Adidas
  • Finest Purchase
  • Delta Holidays
  • Expedia inns and trip packages
  • Nectar Sleep
  • Neiman Marcus
  • Nike
  • Peloton
  • Poshmark
  • Pottery Barn
  • Purple
  • Reverb
  • Saks Fifth Avenue
  • Goal
  • The RealReal
  • ThredUP
  • Walmart.com


Afterpay works with quite a lot of retailers, together with well being and sweetness, health, attire, and jewellery shops. Listed here are among the prime retailers that settle for Afterpay loans:

  • Anthropologie
  • Mattress Tub & Past
  • Dillard’s
  • End Line
  • Houzz
  • MAC Cosmetics
  • Pier 1
  • Tory Burch
  • Ulta Magnificence
  • City Outfitters


4 works with plenty of manufacturers within the males’s, girls’s, magnificence, attire, and equipment house. They embrace:

  • Brooklyn Botany
  • Designer Eyes
  • The Frock NYC
  • Fuller Brush Firm
  • NOA
  • Pawz
  • Shades Daddy


Klarna helps you to purchase now, pay later wherever on-line or with the Klarna app. The record of shops that settle for Klarna contains:

  • Adidas
  • Mattress Tub & Past
  • Bloomingdale’s
  • Calvin Klein
  • GameStop
  • GUESS Manufacturing unit
  • H&M
  • Journeys
  • Lululemon
  • Macy’s
  • Reebok
  • Sephora
  • Stila
  • Tommy Hilfiger


Sezzle companions with retailers that symbolize males’s, girls’s, youngsters’, and sweetness manufacturers. Retailers that settle for Sezzle as cost embrace:

  • Bass Professional Outlets
  • Bentley
  • Brandless
  • Itzy Ritzy
  • Lamps Plus
  • Soften Cosmetics
  • Monos
  • Goal
  • UGG
  • Umbro Premier


With Zip, you should utilize point-of-sale installment loans to make purchases at these retailers and different corporations:

  • Airbnb
  • Amazon
  • Bloomingdale’s
  • Delta
  • Well-known Footwear
  • Instacart
  • Macy’s
  • Nike
  • Nordstrom
  • Overstock
  • Goal
  • TJ Maxx
  • Ulta Magnificence
  • Walmart

Purchase Now, Pay Later vs. In-Retailer Financing

Purchase now, pay later financing is not the one strategy to pay for purchases over time. Many shops supply their very own in-store financing plans.

These sometimes fall beneath the umbrella of deferred-interest financing preparations. With such a cost plan, you may make a purchase order and pay no curiosity for a set time interval, utilizing a retailer bank card. On the finish of the interval, any curiosity that may in any other case have accrued will come due if you have not paid the steadiness in full.

Although purchase now, pay later financing plans typically help you unfold funds throughout 4 or six installments, deferred-interest financing might provide you with 12 to 24 months and even longer to pay. Between the 2, deferred-interest funds would possibly make sense in case you’re making a big buy and need to unfold the funds out.

With point-of-sale installment loans, you might pay no curiosity in any respect on the acquisition. Deferred-interest plans, alternatively, can develop into costly in case you do not pay the steadiness in full earlier than the promotional interval ends. Even in case you solely have a small steadiness remaining, you can be chargeable for paying curiosity on the whole beginning steadiness.

Purchase Now, Pay Later vs. Credit score Playing cards

If a retailer would not settle for purchase now, pay later as a cost possibility, think about using a bank card as a substitute. Many bank cards supply advantages that purchase now, pay later plans don’t.

As an example, you could possibly earn factors, miles, or money again when buying on-line or in a retailer, utilizing a rewards bank card. Bank cards may additionally cost zero curiosity in case you’re benefiting from a 0% introductory buy APR supply. And you will not owe any curiosity in case you will pay your month-to-month steadiness in full.

You even have longer to repay expenses with a bank card, versus 4 to 6 installment funds with a point-of-sale mortgage. However in case you’re racking up curiosity every month, carrying a steadiness may be pricey. So earlier than making a purchase order with both cost technique, take into account how lengthy it’s going to take you to pay it off.


In case you’re planning a bigger buy, evaluate the most effective rewards bank cards to see what you can earn again in factors, miles, or money again.

Do Purchase Now, Pay Later Providers Run a Credit score Verify on You?

Some do and a few do not. People who do might run a gentle credit score examine, which is not going to hurt your credit score rating.

Can Utilizing Purchase Now, Pay Later Assist You Construct Credit score?

In lots of instances, purchase now, pay later plans do not report transactions to credit score bureaus, so they will not assist you construct credit score historical past. A bank card may be higher for that goal.

What Is the Curiosity Charge on a Purchase Now, Pay Later Plan?

So long as you make your funds on time, most plans cost 0% curiosity. Nevertheless, in case you fail to make funds on time, some will cost you rates of interest as excessive as 36%, in response to Investopedia’s newest scores of purchase now, pay later apps.

The Backside Line

Extra retailers are starting to just accept purchase now, pay later as a cost possibility. However earlier than agreeing to considered one of these point-of-sale installment loans, be sure you know what number of funds you may need to make, the quantity of every cost, and whether or not curiosity will accrue. You may additionally need to take into account alternate options, resembling utilizing a credit score or debit card or just paying money.