Buy Now Pay Later Sites

Best Buy Now Pay Later Sites

United States

#11 – Vertbaudet

  • Apply online for a credit account and you can buy now pay later, spread the cost and pay monthly
  • Shop online for baby clothes, kids clothing, maternity wear and nursery decor
  • Request a free catalogue online
  • Part of the Redcats catalogue group

#10 – Bill Me Later

  • Bill Me Later, a PayPal service, is a convenient and secure payment method designed for purchasing on the web or over the phone. As an open-end credit account, Bill Me Later provides you with the flexibility to purchase without using your credit card.
  • Bill Me Later is a credit account that you can use at more than 1000 different retailers and travel partners.

#9 – Abt Electronics

  • In 1998, was launched and became one of a handful of authorized online retailers for brands like Sony, Panasonic, Toshiba, Bose and Onkyo. A recent article from the Chicago Tribune stated, “Abt’s keys to success are the family’s almost fanatical devotion to quality service and competitive pricing, its development of a higher-end niche, its in-the-trenches mode of management and its down-to-earth, low-key approach to selling and showroom decor.”
  • offers three finances options for Buy Now Pay Later – these include 6 months, 12 months and 36 months

#8 –

  • We understand that managing your budget is very important. Every product at Gettington is offered with three ways to pay so you can decide what works best for your budget. You can pay in full using your own credit card. Or you can pay over just four months with our FAST Option. Or give yourself more time with low monthly payments by using our EASY Option. Every page of the website has a control panel that displays your product selections along with your payment options of:
  • Pay Now,
  • FAST Option (4-pay) – Lower payments with a quicker payback. In just 4 Monthly Payments, your purchase will be paid in full or
  • EASY Option (extended pay – When you need more flexibility. Spread out the cost of your purchase over 24 Monthly Payments or less – much faster than a typical credit card payback. #7 –

#7 -GrandPointe

  • GrandPointe is “Buy Now, Pay Later” site that offers all types of merchandise that the client can choose from. Clients will start off with a $100 credit line. If the customer successfully pays off that amount, they will be increased to a higher credit limit. Consumers can reach a $500 credit limit or higher, depending on their payment history.
  • At GrandPointe clients may take advantage of purchasing products such as household goods, furniture, electronics, personal care, gifts, jewelry and other merchandise that you may need. All of the products are offered directly on the website.
  • Your monthly payment will vary based upon the amount you charge. For instance, a balance of $45 will require a minimum of $7.99 payment. The monthly minimum will vary based upon the balance due.

#6 -Seventh Avenue

  • Seventh Avenue approves each purchase at the time of the transaction. This online website offers furniture, home décor, bed and bath, electronics, jewelry, fitness and outdoor goods. Consumers may order online or through their catalog.
  • The process is simple and takes a matter of minutes to become approved. Once approved, your monthly payments will depend upon your balance. For instance, the monthly payment on a $200 balance is $20, and the monthly payment on a $400 is $25. Consumers may have credit extended to them for up to $2400 with monthly payments of $80.
  • A finance charge accrues if the balance is not paid in full within 25 days. Payments may be made online with all major forms of payment including Visa, MasterCard, American Express, Debit Cards and Checking Accounts. Payments may also be made by phone or by mail.

#5 -Wal-Mart

  • Wal-Mart has a relationship with a third party vendor called “Bill Me Later.” This company allows customers to buy products on Wal-Mart’s site and obtain a credit line for six months or more. A promotion for six months with no interest is often available.
  • The interest rates on “Bill Me Later” sites are typically high. This company sets the interest rate at 19.99% or higher. Therefore, you are paying 20% more for the convenience of buying the product online through this site.
  • Furthermore, consumers with challenged credit may not be approved by the site. These consumers are viewed as high risk and lenders will not take chances with these consumers. You may not be able to take advantage of this option if you are not approved by the lending provider.

#4 -Pay Later Shops

  • This site will first give you an overview of the buy now pay me later system.
  • You will also be presented with a list of stores that allow the buy now pay me later policy. You just need to click on a store and start shopping.
  • You would also be able to see a lot of other stores that has the buy now pay me later policy, so you can have a lot of options.

#3 -Littlewoods Catalogue 

  • Buy Now Pay Later with nothing to pay for 12 months when you open a Littlewoods credit account, spend £50 or more and use promotion code 22X7M
  • Spread the cost of all purchases with up to 5 years interest free credit when you apply for and open a Littlewoods credit shopping account.
  • Free delivery on all orders + Free returns
  • Part of the Shop Direct catalogue group

#2 – ISME

  • Buy Now Pay Later gives you the flexibility to have the things you want now with nothing to pay for up to 12 months
  • Browse our latest ranges online and add items to your basket or call us with your order of £100 or more
  • Then avoid paying interest by paying the cash price in full before the end of the deferred payment period – don’t worry we’ll remind you on your statement

#1 – That’s My Style Catalogue

  • Apply online for a ‘That’s My Style’ catalogue account and you can Buy Now Pay Later and Spread the Cost.
  • Pay monthly with a credit account
  • Up to 28 days interest free credit
  • Part of the JD Williams catalogue group

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