Buy Now, Pay Later Clothes: 7 Brands, Stores (Credit Check Info Listed)

“Buy now, pay later” clothing stores allow you to receive clothing items immediately and pay for them in installments, typically during an interest-free period of six months to one year. Below, we answer more questions about how “buy now, pay later” programs at clothing stores work. We also have the list of clothing stores with “buy now, pay later” options, offering everything from school uniforms to plus-size clothing to three-piece suits.

In This Article

What is “Buy Now, Pay Later”?

“Buy now, pay later” gives you the option to purchase clothing and pay for it later, often in multiple smaller payments. Typically, there is an interest-free period of six months to one year, during which you can pay off the items with no interest fees. However, be aware that “buy now, pay later” plans can become expensive if you’re unable to pay off your balance within the interest-free period. If you don’t pay off your purchase within the promotional term, interest rates of 5 to 30% can be added from the original purchase date, along with late payment fees. In this case, you will end up paying much more than the item is worth.

Some retailers pair “buy now, pay later” programs with a store credit card. The store credit card will offer either an interest-free or payment-free period, but it’s still best to check the full terms and conditions before applying. Make a note of the APR, the length of the promotional period, and any annual or late fees associated with the credit card.

Why Do Stores Require a Credit Check?

Most companies will run a credit check before approving a purchase for “buy now, pay later.” Your credit score will give these companies information about how likely you are to pay the items off on time — or how much of a financial risk you may be to the company.

Companies take a risk when allowing customers to “buy now, pay later.” If a customer doesn’t provide the funds for the purchase, the company has lost money on the sale. Stores want to confirm that you have a history of paying back your financial commitments before taking a chance on you. For many of these companies, your credit score determines your Annual Percentage Rate (APR). The higher your credit score, the lower the APR; if your credit history is minimal or your score is low, you will be charged interest at a higher rate.

The List of Clothing Stores That Offer “Buy Now, Pay Later”

Colony Brands (Ashro, Midnight Velvet, Montgomery Ward, and Seventh Avenue)

  • What does it sell? Colony owns several catalogs that sell clothing — Ashro, Midnight Velvet, Montgomery Ward, and Seventh Avenue — all of which offer “buy now, pay later” options through store credit. You can find clothing and accessories for men, women, and children at these stores.
  • Required credit score/credit check: You have to apply for one of Colony’s store credit cards to take advantage of the “buy now, pay later” option. The terms and conditions are the same for all cards from Colony Brands. You will usually find out if you meet the requirements within 24 hours.
  • APR for late payments: 5.75 to 23.99%, plus late fees of up to $15
  • Find out more about “buy now, pay later” store policies at Ashro, Midnight Velvet, Monroe & Main, Montgomery Ward, and Seventh Avenue.
  • Start shopping at Colony Brands

Dillard’s

  • What does it sell? Dillard’s sells designer clothing for women, men, and children; interest-free financing is available for men’s tailored clothing.
  • Required credit score/credit check: You have to apply for a Dillard’s credit card to take advantage of the “buy now, pay later” option; special financing is only available for qualifying purchases, which include men’s tailored clothing. A required credit check is not specified on the website.
  • APR for late payments: 24.99 to 26.99%, plus late fees up to $37
  • See more about the Dillard’s “buy now, pay later” store policy
  • Start shopping at Dillard’s

ELOQUII

  • What does it sell? Plus-size clothing for women in sizes 14 to 28
  • Required credit score/credit check: ELOQUII partners with Affirm financing which does run a credit check, but does not have a minimum credit score requirement.
  • APR for late payments: APRs may be up to 30%; your interest rate will appear during the checkout process. Affirm does not charge late fees.
  • ELOQUII’s website does not have a dedicated Affirm financing page. Select Affirm as your payment method during checkout or contact customer service at (844) 693-5678 for more information.
  • Start shopping at ELOQUII

Fingerhut (and Other Bluestem Brands Stores, Including Gettington)

  • What does it sell? Fingerhut sells a wide variety of clothing for women, ranging from loungewear and athletic wear to business and formal attire. For men, you can find a selection of more casual clothes, including loungewear and coats. Fingerhut also sells casual clothing and school uniforms for children.
  • Required credit score/credit check: Fingerhut will run a credit check. The necessary credit score is not specified on the website.
  • APR for late payments: 29.99%, plus late fees up to $38
  • Find more information about Fingerhut’s “buy now, pay later” store policy
  • Start shopping at Fingerhut

Full Beauty Brands (Full Beauty, Jessica London, King Size, Roaman’s, and Woman Within)

  • What does it sell? Full Beauty Brands sell a variety of plus-size clothing for women and big and tall sizes for men.
  • Required credit score/credit check: You have to apply for a Full Beauty or Full Beauty brand store credit card to take advantage of the “buy now, pay later” option; a required credit check is not specified on the website. Full Beauty Brands offer a 90-day deferred payment option.
  • APR for late payments: 29.24%, plus late fees of up to $39
  • Find more details of Full Beauty’s “buy now, pay later” store policy
  • Start shopping at Full Beauty

HSN (Home Shopping Network)

  • What does it sell? HSN sells women’s casual and business attire, as well as pajamas and swimwear, often name brand.
  • Required credit score/credit check: HSN will run a credit check. The necessary credit score is not specified on the website; however, according to answers on the FAQs page, the better your credit score, the lower your possible fees will be.
  • APR for late payments: 29.24%, plus late fees up to $38
  • See more about HSN’s “buy now, pay later” store policy
  • Start shopping at HSN

Stoneberry

  • What does it sell? Stoneberry sells casual and athletic clothing for men, women, and children. Stoneberry also has a selection of plus-size clothes.
  • Required credit score/credit check: Stoneberry will run a credit check, but doesn’t specify the score needed to qualify.
  • APR for late payments: 12 to 23.99%, with an additional late fee of up to $15
  • Find more details of Stoneberry’s “buy now, pay later” store policy
  • Start shopping at Stoneberry

QVC

  • What does it sell? QVC has a specific section for “buy now, pay later” goods, including women’s clothing. QVC carries mostly business casual and athletic wear, including some name-brand items.
  • Required credit score/credit check: The company’s website states: “Easy Pay offers are subject to approval by QVC based on several factors, including item type, price, and payment history.” You must also have a major credit card to participate in Easy Pay.
  • APR for late payments: 29.24%, plus late fees up to $37
  • Find out more about QVC’s “buy now, pay later” store policy
  • Start shopping at QVC

Yours Clothing

  • What does it sell? Yours Clothing offers plus-size clothing, lingerie, and accessories in sizes 14 to 34. The company is based in the U.K. but ships to over 100 locations, including the U.S.
  • Required credit score/credit check: Yours Clothing offers a “pay later” option in partnership with the payment processor Klarna, which may run either a hard or soft credit check depending on whether you are pre-approved. There is no set minimum credit score.
  • APR for late payments: 19.99%, plus late fees up to $35
  • Find more information about the Yours Clothing “pay later” program
  • Start shopping at Yours Clothing

In Summary

Clothing stores that offer “buy now, pay later” options include Dillard’s, ELOQUII, HSN, and QVC. “Buy now, pay later” options for clothing can allow you to acquire more expensive items without having to pay for them immediately. It also allows you to make clothing purchases you may not be able to afford in full right now. “Buy now, pay later” options may require you to apply for either a store credit card or a financing program, and your credit will be checked before you are approved. If you’re responsible and make the necessary payments, you can avoid high APRs; however, be aware that late or missed payments can lead to high fees.

You may also be interested in our article about “buy now, pay later” jewelry stores.

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1 Comment

  • Hi there!

    I’m sorry the article didn’t provide you with the information you were looking for. However, our article does state that most buy now, pay later companies will run a credit check.