William Lipovsky
Whether you have great credit, shaky credit, or no credit, there are many places where you can use buy now, pay later programs to bring home a pair of sneakers, boots, dress shoes, or fashion shoes you want now and then pay for your purchase over time. Some options don’t require a credit check.
Below, we’ll explain which shoe stores, websites, and catalogs you can use to pay for shoes over time — plus, the stores that don’t have buy now, pay later programs (so you’ll know where not to go).
The List
In our list below, we’ve included information on whether a credit check is required, how to apply for shoe financing, and where to start shopping for your new shoes.
When shopping with a buy now, pay later payment plan or store credit card, you should be aware that your purchase will likely accrue interest, meaning the total cost of the item will be higher than buying it outright.
Interest rates vary by payment option, but it’s important to know whether you can afford the installments and the total payoff amount before selecting a buy now, pay later option. Missed payments can damage your credit score and lead you to pay high late payment fees.
If you’re unsure you can make the installment payments, consider instead saving up for your shoe purchase and paying for it in cash.
ALDO
- Types of shoes sold: Casual and formal footwear for men and women
- Buy now, pay later option: Afterpay[1]
- Credit requirements: No credit needed; multiple factors considered for approval[2][3]
- Down payment: First installment is generally due at time of purchase[4][5]
- Apply for credit: Complete shopping at ALDO, then select “Afterpay” at checkout. Log into or create an Afterpay account and receive a decision regarding your approval.[1]
- Shop for shoes at ALDO
Designer Shoe Warehouse (DSW)
- Types of shoes sold: Designer footwear and athletic shoes for men, women, and children
- Buy now, pay later option: Afterpay[6]
- Credit requirements: No credit needed; multiple factors considered for approval[2][3]
- Down payment: First installment is generally due at time of purchase[4][5]
- Apply for credit: Complete shopping at DSW.com, then select “Afterpay” at checkout. Log into or create an Afterpay account and receive an instant decision regarding your approval.[6]
- Shop for shoes at DSW
Eastbay
- Types of shoes sold: Sports footwear — including brand names — for men, women, and children
- Buy now, pay later option: Klarna[7]
- Credit requirements: No specific requirement; credit history and spending habits, as well as other factors, are considered regarding approval[8]
- Down payment: First payment charged when order is confirmed[9]
- Apply for credit: After shopping online at Eastbay, choose “Klarna” at checkout to fill out the short application. Approval is instant.[10][7]
- Shop for shoes at Eastbay
Famous Footwear
- Types of shoes sold: Sandals, sneakers, dress shoes, casual, and athletic footwear for men, women, and children
- Buy now, pay later option: Zip[11]
- Credit requirements: No specific requirement; multiple factors considered for approval[12][13]
- Down payment: 25% due upfront[11]
- Apply for credit: Complete the Zip online application.
- Shop for shoes at Famous Footwear
Foot Locker
- Types of shoes sold: Sports footwear — including brand names — for men, women, and children
- Buy now, pay later option: Klarna[14]
- Credit requirements: No specific requirement; credit history and spending habits, as well as other factors, are considered regarding approval[8]
- Down payment: First payment charged when order ships[9]
- Apply for credit: After shopping online at Eastbay, choose “Klarna” at checkout to fill out the short application. Approval is instant.[14][10]
- Shop for shoes at Foot Locker
Journeys
- Types of shoes sold: Sandals, sneakers, and athletic footwear for men, women, and children; skate shoes for men and women
- Buy now, pay later option: Klarna[15]
- Credit requirements: No specific requirement; credit history and spending habits, as well as other factors, are considered regarding approval[8]
- Down payment: First payment charged when order is confirmed[9]
- Apply for credit: After shopping online at Journeys, choose “Klarna” at checkout to fill out the short application. Approval is instant.[10][15]
- Shop for shoes at Journeys
Macy’s
- Types of shoes sold: All types of footwear — including brand names — for men, women, and children
- Buy now, pay later option: Macy’s Credit Card[16]
- Credit requirements: No set requirement[17]
- Down payment: None; payment due date is at least 25 days after the close of each billing cycle[18]
- Apply for credit: Fill out the Macy’s account application online
- Shop for shoes at Macy’s
Mason Easy-Pay
- Types of shoes sold: Casual, dress, and athletic footwear for men, women, and children, including some brand names
- Buy now, pay later option: Mason Easy-Pay Credit[19]
- Credit requirements: Varies by purchase amount[20]
- Down payment: If you have a lower credit score, you may have to pay a small down payment at the time of purchase. Otherwise, the first payment is due 30 days from the purchase date.[21][20]
- Apply for credit: Fill out the Mason Easy-Pay online application
- Shop for shoes at Mason Easy-Pay
Masseys
- Types of shoes sold: Casual, dress, and athletic footwear for men, women, and children, including some brand names
- Buy now, pay later option: Masseys Credit[22]
- Credit requirements: Varies by purchase amount[20]
- Down payment: If you have a lower credit score, you may have to pay a small down payment at the time of purchase. Otherwise, the first payment is due 30 days from the purchase date.[22][20]
- Apply for credit: Fill out the Masseys Credit online application
- Shop for shoes at Masseys
Midnight Velvet
- Types of shoes sold: Casual, dress, and athletic footwear for men and women, including some brand names
- Buy now, pay later option: Midnight Velvet Credit[23]
- Credit requirements: Works with customers who have no credit history[24]
- Down payment: If you have a lower credit score, you may have to pay a small down payment at the time of purchase. Otherwise, the first payment is due 30 days from the purchase date.[24][23]
- Apply for credit: After shopping online at Midnight Velvet, choose the “Midnight Velvet Credit” option at checkout to fill out the short application. Approval is typically instant.[23]
- Shop for shoes at Midnight Velvet
Nine West
- Types of shoes sold: Women’s sandals, flats, heels, boots, and more
- Buy now, pay later option: Zip[25]
- Credit requirements: No specific requirement; multiple factors considered for approval[12][13]
- Down payment: 25% due upfront[25]
- Apply for credit: Complete the Zip online application.
- Shop for shoes at Nine West
QVC
- Types of shoes sold: Casual, dress, and athletic footwear for men, women, and children, including some brand names
- Buy now, pay later option: QCard[26]
- Credit requirements: No specific requirement[27]
- Down payment: None; first payment is due 30 days from the date of purchase[28]
- Apply for credit: Sign in to fill out the online QCard application (you must create a free QVC account to apply)
- Shop for shoes at QVC
Seventh Avenue
- Types of shoes sold: Casual, dress, and athletic footwear for men, women, and children, including some brand names
- Buy now, pay later option: Seventh Avenue Credit[29]
- Credit requirements: Approval is based on credit history, not credit score[30][31]
- Down payment: Those approved with lower credit scores may be required to make a down payment. Otherwise, the first payment is due 30 days from the day you make the purchase.[31]
- Apply for credit: After shopping online at Seventh Avenue, choose the “Seventh Avenue Credit” option at checkout to fill out the short application. Approval is typically instant.[29]
- Shop for shoes at Seventh Avenue
Shoe Carnival
- Types of shoes sold: Name brand athletic footwear and sandals for men, women, and children, as well as heels, work shoes, footwear for special occasions, and more
- Buy now, pay later option: Klarna[32]
- Credit requirements: No specific requirement; credit history and spending habits, as well as other factors, are considered regarding approval[8]
- Down payment: First payment charged when order is confirmed[9]
- Apply for credit: After shopping online at Shoe Carnival, choose “Klarna” at checkout to fill out the short application. Approval is typically instant.[32]
- Shop for shoes at Shoe Carnival
Stadium Goods
- Types of shoes sold: In-demand, high-end brand name athletic shoes and footwear
- Buy now, pay later option: Klarna[33][34]
- Credit requirements: No specific requirement; credit history and spending habits, as well as other factors, are considered regarding approval[8][34]
- Down payment:First payment charged when order is confirmed[9]
- Apply for credit: After shopping online at Stadium Goods, choose the financing option at checkout to fill out the short application. Approval is instant.[10]
- Shop for shoes at Stadium Goods
Steve Madden
- Types of shoes sold: High-end brand name shoes and footwear
- Buy now, pay later option: Zip[35]
- Credit requirements: No specific requirement; multiple factors considered for approval[12][13]
- Down payment: 25% due upfront[35]
- Apply for credit: Complete the Zip online application.
- Shop for shoes at Steve Madden
Stoneberry
- Types of shoes sold: Casual, dress, and athletic footwear for men, women, and children, including some brand names
- Buy now, pay later option: Stoneberry Credit[36]
- Credit requirements: Varies by purchase amount[20]
- Down payment: If you have a lower credit score, you may have to pay a small down payment at the time of purchase. Otherwise, the first payment is due 30 days from the purchase date.[20][37]
- Apply for credit: Fill out the Stoneberry Credit online application
- Shop for shoes at Stoneberry
Shoe Stores That Don’t Offer Buy Now, Pay Later Financing
Here are the popular shoe stores that don’t provide buy now, pay later financing for shoes:
- Baker’s
- OnlineShoes.com
- Payless
- Zappos.com
