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Buy now, pay later store list for 2020

Financing your online shopping just got easier with Affirm, Afterpay, Klarna and Quadpay.

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Women shopping online in Christmas hat

Buy now, pay later financing has become a popular way to float purchases big and small. Platforms like Afterpay, Affirm, Klarna and Sezzle allow you to spread the cost of a purchase over time — sometimes without interest.

Like credit cards and traditional loans, buy now, pay later financing offer flexibility. But beware of hidden fees and know that missing payments could hurt your credit score.

Buy now, pay later online shopping

We’ve rounded up every store you can shop online at and take advantage of interest-free financing (buy now, pay later) when you check out with Affirm, Afterpay, Klarna or Quadpay.

Store Go to store
Amerisleep Shop now
Airbnb Shop now
Booking.com Shop now
Journeys Shop now
Nike Shop now
U Beauty Shop now
ASOS Shop now
PrettyLittleThing Shop now
Helix Sleep Shop now
Lenovo Shop now
Loom & Leaf Shop now
Saatva Shop now
H&M Shop now
Hot Topic Shop now
Reebok Shop now
Shoe Carnival Shop now
Nasty Gal Shop now
Superdry Shop now
Bose Shop now
Zenhaven Shop now
Allswell Shop now
Adidas Shop now
Yeti Shop now
Ghostbed Shop now
Layla Sleep Shop now
Goodyear Tires Shop now
Keetsa Mattress Shop now
Walmart Shop now
JustFly Shop now
iRobot Shop now
Ninja Shop now
Hayneedle Shop now
Expedia.com Shop now
CheapOair Shop now
Orbitz Shop now
Motorola Mobility LLC. Shop now
Nest Bedding Shop now
DreamCloud Shop now
Leesa Shop now
Eight Sleep Shop now
Nectar Sleep Shop now
My Green Mattress Shop now
Purple Shop now
CheapAir Shop now
Great Wolf Lodge Shop now
OneTravel Shop now
Adrenaline Shop now
Priceline Shop now
CityPASS Shop now
StubHub Shop now
Johnston & Murphy Shop now
100% Pure Shop now
Aerosoles Shop now
Anthropologie Shop now
Blenders Eyewear Shop now
Boohoo Shop now
Bric's Milano Shop now
Carhartt Shop now
Clarisonic Shop now
Clinique Shop now
ColourPop Shop now
Cost Plus World Market Shop now
e.l.f. Cosmetics Shop now
Equipment Shop now
Finish Line Shop now
Forever 21 Shop now
Francesca's Shop now
Free People Shop now
Freshly Shop now
Frye Shop now
Hello Molly Shop now
Jo Malone Shop now
Klymit Shop now
Cloud 9 Living Shop now
Lorna Jane Shop now
Lucky Brand Shop now
Madewell Shop now
Milani Cosmetics Shop now
Nixon Shop now
O'Neill Shop now
Origins Shop now
Overtone Shop now
Ray-Ban Shop now
Revolve Shop now
Roses Only Shop now
Skechers Shop now
SugarBearHair Shop now
Sunglass Hut Shop now
Tarte Shop now
Urban Outfitters Shop now
Ack
Adiamor
Afe Power
Afpa
Agape Diamonds
Airdog
Airmega
All3sports
Allmodern
Alternative Airlines
Altomusic
American Girl
American Muscle
Anns
Anueva Jewelry
Art.Com
Artfinder
Article
Asap
Au Rate
Audeze
Aventuron
Avocado
Azalea
Balsam Hill
Bap
Barbell Apparel
Barbri
Barmax
Bb Wheels
Beach Bunny
Bear
Beckertime
Bellami Hair
Benchmade Modern
Betterridge
Bigbarker
Bigchill
Bike Berry
Birchlane
Birdies
Bludot
Blueoak
Bmp Tuning
Bobswatches
Bodycraft
Boosted
Bote
Botkier
Braum Racing
Brentwood Home
Briangavin
Brooklinen
Brooklyn Bedding
Bulova
Burrow
Cabinets.Com
Campaign
Candidco
Carid
Casper
Catbird
Charles Colvard
Christeli
Chrono24
Chucklevins
Cinemood
Citizen
Clever Training
Coilover Depot
Cole Haan
Coleman
Coming Soon
Cotopaxi
Cpapman
Crossrope
Crownandcaliber
Custom Offsets
Cyberpowerpc
Cybertronpc
Dannijo
Dare To Be Different
David Yurman
Dazzling Rock
Dean Zelinsky
Decorplanet
Dezyre
Diamond Studs
Diamond Wish
Diamondback
Diamondnexus
Dji
Dsg Performance
Dyson
E Massage Chair
E Sale Rugs
East Fork
Eastwood
Ecarpet Gallery
Eero
Electronic Express
Enchanted Diamonds
Enve
Eone
Essentia
Essential
Etienne Aigner
Eugenia Kim
Evelo
Evolve Skateboards
Extreme
Extremeterrain
Faherty
Fastforward Academy
Felix Gray
Filson
Finks
Fire Brilliance
Fitness Gear Usa
Flightclub
Flooringinc
Floyd
Flywheel
Foam Tiles
Fred Segal
Front Jewelers
Garage Flooring
Gardner White
Garmentory
Gazelle
Genuine People
Giant
Globalgolf
Go Dps Music
Goat
Goodamerican
Govx
Grizzly
Halo Neuroscience
Hard Park Pro
Havenly
Hid Evolution
Holden
Homethreads
Hoover
Horizon Hobby
Hornblasters
Human Touch
Humble Abode
Ibuypower
Ice
Idiot Box
Idjnow
If And Co
Impact Dog Crates
Import Image Racing
Instapainting
Inventables
Irestore
Isle
Itshot
John Hardy
Jomashop
Jord
Jossmain
Joybird
JP Cycles
Jrdunn
Karmaloop
Katie The Tire Lady
Kay Jewelers
Keh
Kendra Scott
Kobelli
La Garconne
La Marzocco
Late Model Restoration
Lazyboy Outdoor
Leprix
Lighting New York
Litter Robot
Little Switzerland
Lofta
Longines
Lsatmax
Luft
Luisaviaroma
Lull
Luxedh
M Monroe
Mac Of All Trades
Magic Leap
Manchester Music Mill
Manfredi
Manly Bands
Marinedepot
Marke
Mayvenn
Md Hearing Aid
Medimart
Mignon Faget
Miku
Modded Euros
Modloft
Moissanite
Molekule
Monica
Morris
Moscot
Movado
Mr Target Online
Mr Wheel Deal
Nebia
Nest
New World Diamonds
Notre
Nuri Ash
Olivela
Oakley
Olivia Burton
Original Grain
Original Parts Group
Oru Kayak
Outcast
Owlcam
Owlet
Pat Mcgrath
Paul Evans
Ped
Pelican Water System
Peloton
Peragon
Performance
Perrin
Petcube
Phastek
Picobrew
Piff
Pitbull Audio
Portrero
Poshmark
Powerteq
Pro Audio Star
Protalus
Purecycles
Quadratec
R13
Rad Power Bikes
Raleigh
Rapid Reboot
Razer
Realtruck
Rem Fit
Republicwireless
Respshop
Reverb
Revzilla
Riff City
Rimzone
Ring
Roger Cpa Review
Romphim
Room And Board
Rooms To Go
Rotimatic
Rough Country
Rubber Flooring Inc
Rumpl
Saatchi Art
Scotch Porter
Scuba
Scufgaming
Seattle Coffee Gear
Select Blinds
Shark Clean
Shiekh
Shinola
Simpletire
Simplymac
Skis
Sleeping Organic
Smile Brilliant
Snow Joe
Stadiumgoods
Steel Series
Stikwood
Stockx
Stonebrook Jewelry
Suiteness
Superjeweler
Sure2sleep
Surface 604
Swatch
Swiss Watch Expo
Symbol
Tamara Mellon
Tardisk
Taylor Hart
Technogym
The Ensign
The Futon Shop
The Music Zoo
The Pinball Company
The Pool Factory
Theragun
Therealreal
Thredup
Tickpick
Timbuk2
Timex
Ting
Tire Agent
Tires Easy
Tissot
Tkees
Top Resume
Tradesy
Travelocity
Treadly
Treadwright
Troverie
Tuft Needle
Udacity
Unionmade
Unique Vintage
Universal Standard
Vestiaire
Viesso
Vividracing
Vortic Watches
Wahoo Fitness
Warbyparker
Warehouse Direct Usa
Wellbots
Wheel Well
Whiteandwarren
Whoop
Wildwoodguitars
Wing
Winter Woman
Winterkids
World Wide Stereo
Wright Bedding
Xidax
Xlr8
Xoticpc
Yadav
Yoogis Closet
Zwift
143Diamonds
Adirondack Guitars
Snow (teeth whitening)
Toms
Swarovski
Nine West
Revelry
Alise Design
Allsaints
The North Face
Alpine Butterfly Swim
Andrea Bonelli
Anita
Ashley Bridget
Aurora Jewelers
Ava Women
Ben Hogan Golf
Bits and Hash
Blix Bike
Bonito Silicon Valley
Bosca
Brashy Studios
Canoe Club
Carl Jhones
Chinchar/Maloney
Corder and Co
CouchBed
Cristy Cali
Crua Outdoors
CZ Sparkle Jewelry
D’Santiago Interiors
Daniel Wellington
DealBeds
DrommaBed
DVE Store
EBike Generation
Elite Ride Accessories
FAB28 Industries
Far Out Fab
Faraday Bikes
Fendrihan
Foxers
Fried Mans Jewelers
Gelfoambed
Godspeed New York
Golfio
Gravity Blankets
Gravity Cool
Hair Jazz
Haloboard
Hardbody Barbie
Hardmotion
Hearing Benefit
Helix Camera
Hestra Gloves
Hoity Toity Boutique
Idle Sleep
Indigo Sleep
Indocchino
InMotion
Jennifer Taylor Home
Jewelry Affairs
JNH Lifestyles
Journey Bikes
Juna Sleep
Kabuki Strength
Kamoka Pearls
King and Fifth
Kommando
KyBoot
Lexington Company
LexMod
Lily Jade
Lirys Jewelry
Luckless Clothing
LuckyStrap
Luma Sleep
Luxinelle
Lyst
Macho Hollywood
Main Performance
Medicine
ModCloth
Mood Hair Inc
MotoStuff
Muse Outlet
Nectar Sunglasses
Nolah Mattresses
Non Nancy
Offroad Tents
OJB Jewekry
Olive Avenue Jewelry
OneWheel
Overstock
Pay Zero Today
Pedors
Performance PlusCarts
Phat Scooters
Pitch Pro Direct
PlayBetter
Plush Beds
Proclamation Jewelry
Propel Bikes
Puffy
Pyradyne
QuietKat
R.LA Brand Design
Rain or Shine Golf
Rancourt & Co
Rhinosafe
Riptide Vac
Roka
Rug Doctor
Sandrider USA
Sephora
Sheiban Jewelers
Sixsite Gear
Sleepovation
SoCalz
Soha Diamond Co
Soho Girl
Sonos
Sparx Hockey
Spike Brewing
Standard and Strange
Storets
Suntanning Store
System76
Tanning Beds Directs
Taylore Made Golf
Tickled Pink Airbrush
Titanium Buzz
Tomorrow Sleep
Toqos
Toteme NYC
Underwraps Automotive
Glass Aqua
Galison
Fab Cab Cases
USA Dawgs
Valyou Furniture
Ventum Racing
VivStorms
Wacom
Waist Shaperz
Watt Fleex
Wolky Shop
XGear101
Xtra Cycle
Zhiyun
ZinHome

Compare buy now, pay later services

Most retailers typically partner with one buy now, pay later platform, leaving you without a choice. But others, like Splitit by Visa, can be used wherever credit and debit cards are accepted. Here are the major financing platforms and how their policies compare.

Data indicated here is updated regularly
Name Product Automatic payments Early repayment option Payment term options Free to use Late payment fee Interest free More info
Zebit
Yes
Yes
6 months
$0
PayPal
Yes
Yes
Up to 6 months
$39
Afterpay
Yes
Yes
Required down payment and three or four payments
$8
Klarna
Yes
Yes
Pay later, Pay monthly, 4 equal payments
$7
Splitit
Yes
Yes
Pay monthly
$0
Affirm
Yes
Yes
3, 6 or 12 months
$0
Sezzle
Yes
Yes
4 equal payments
$10
Quadpay
Yes
Yes
4 equal payments
$7
loading

Compare up to 4 providers

Will buying now and paying later affect my credit?

Signing up for a buy now, pay later service usually doesn’t affect your credit — most companies perform a soft credit check that won’t hurt your score. But missing or making a late payment will, whether it’s reported to credit bureaus by the platform itself or by your bank or credit card holder.

So what’s the catch?

Many buy now, pay later platforms — including Afterpay and Klarna — charge late fees on missed payments. While most fees won’t exceed your minimum payment amount, some companies do charge higher fees. Other buy now, pay later platforms charge interest at fairly high APRs — though this can be waived if you make payments early and often.

Even if a platform states it doesn’t report to credit agencies, you’re still taking on debt. Know that a missed or late payment can affect your credit score.

Also keep in mind making the minimum payment might not always repay the loan within the interest-free period. Make sure you’re paying enough at each installment to avoid paying interest.

Benefits of buy now, pay later platforms

Most services offer helpful features like:

  • Flexible loan terms. Loan terms vary greatly depending on the provider and the retailer. For small-value purchases, loan terms can be as little as a few weeks to up to six months. For larger purchases, you may not have to repay your purchases in full for up to two or more years.
  • Varying purchasing power. Depending on the platform, you can finance as little as $35.
  • Convenience. You’ll usually receive approval in minutes when you apply for interest-free financing at checkout.
  • Automatic payments. Most platforms automatically deduct payments from your linked bank account when they are due.
  • Wide acceptance. If you’re unable to secure a credit card, you could be eligible for a buy now, pay later service instead to help make big purchases more affordable.
  • Ongoing credit. Unlike a loan, buy now, pay later financing doesn’t expire once you pay off your debt. You can continue to use the service for future purchases.

    Buy now, pay later alternatives

    If buy now, pay later financing doesn’t sound like the right fit for you, consider alternatives such as a personal loan or credit card.

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