Buy Now, Pay Later Food: Grocery Stores & More (Several with Delivery)

Food is essential to life, but sometimes when you’re waiting for a paycheck to process in the bank, you may worry that you don’t have enough money to cover tonight’s dinner. However, there are many grocery stores and online retailers that offer a “buy now, pay later” food option, so you don’t have to worry about missing a meal. Below, we have some risks to consider when using a buy now, pay later food plan, plus a list of stores that offer buy now, pay later groceries.

Buy Now Pay Later Grocery Stores

You don’t have to look too far to find grocery shopping buy now pay later options. Many grocery stores with locations nationwide offer buy now, pay later options. Some even offer buy now, pay later food delivery, so can even buy and receive your groceries for the week without leaving your home.

These buy now, pay later food plans usually have a short online application and require fair or better credit. Some credit card applications will result in a “hard pull” of your credit score, which can damage your score, particularly if you have had several hard pulls in close succession. Consider your credit score and history before applying to avoid damaging your score.

A majority of buy now, pay later options also offer additional benefits such as cash back. While these benefits are attractive, making sure you can make your payments on time is vital to participate in a buy now, pay later plan successfully. Many grocery stores with buy now, pay later options offer them in the form of store credit cards, meaning your purchases will accrue interest. Additionally, any missed payments will reflect negatively on your credit score and may accumulate late fees or eventually lead to debt collection.

Costco

Kroger

Sam’s Club

  • Buy now, pay later option: Sam’s Club Credit Card or Walmart Credit Card (Sam’s is owned and operated by Walmart)
  • Credit required: Yes —  fair credit or better needed
  • Additional info: You earn 5% cash back on gas, 3% cash back on dining and travel, and 1% cash back on other purchases; and you can use your credit card as your membership card when shopping
  • How to apply: Must be a Sam’s Club member. From there, sign in to SamsClub.com to complete the online application or apply in-store.
  • Delivery: Yes, in some areas. Check for delivery in your area.
  • Source: Sam’s Club Credit Card
  • Find your nearest Sam’s Club

Target Super Center

Walmart Super Center (and Walmart Neighborhood Market)

Whole Foods

Note: Whole Foods is owned by Amazon, so Amazon Prime members receive select perks at Whole Foods

  • Buy now, pay later option: Amazon Visa Signature Rewards Credit Card or Amazon.com Store Card
  • Credit required: Yes — you’ll need good credit or better to be approved
  • Additional info:
    • Amazon Visa Signature Rewards Credit Card: You get 5% back at Amazon.com for eligible Prime members (3% if you don’t have a Prime membership); there are no foreign transaction fees, no annual fee; and you can use it at Whole Foods restaurants (i.e., Astro Pub or The Eight Bar)
    • Amazon.com Store Card: You get 5% back at Amazon.com for eligible Prime members and access to financing on purchases of $149 or more
  • How to apply: Sign into your Amazon.com account and fill out the online application for the Amazon Store Card or Amazon Visa Signature Rewards Card.
  • Delivery: Yes, in some areas. Check for delivery in your area.
  • Source: Amazon Visa Signature Rewards Card
  • Find your nearest Whole Foods

Buy Now Pay Later Online Food Retailers

There are a few online-only food retailers, and Amazon Fresh is a unique one because it allows for buy now pay later food delivery.

Amazon Fresh

  • Items available: All of your groceries needs including fruits, vegetables, dairy, bread, and snacks
  • Buy now, pay later option: Amazon Rewards Credit Card or Amazon.com Store Card
  • Credit required: There is a credit check, you need good credit or better to be approved
  • Additional info:
    • Amazon Rewards Credit Card: Eligible Prime members get 5% back at Amazon.com, non-members get 3% back at Amazon.com; no annual fee; card can be used at Whole Foods restaurants (i.e., Astro Pub or The Eight Bar)
    • Amazon.com Store Card: Eligible Prime members get 5% back at Amazon.com; access to exclusive financing on purchases of $149 or more
  • How to apply: Sign into your Amazon.com account and fill out the online application for the Amazon Store Card or Amazon Visa Signature Rewards Card.
  • Delivery: Yes, in some areas. Check for delivery in your area.
  • Source: Amazon Credit Cards page
  • Order from Amazon Fresh

Buy Now Pay Later Gourmet Food and Gift Baskets

Even certain gourmet food and gift basket companies offer buy now pay later food delivery options, allowing you to buy gifts or special occasion food items without immediately paying for them out of pocket. The same considerations should be kept in mind with these stores as mentioned above — know that your purchases will often accrue interest, and that you may face late fees or debt collection if you’re unable to pay off your purchases within a reasonable amount of time.

Figi’s

  • Items available: Holiday gifts, cheese and meat gifts, nuts and snacks gifts, bakery gifts, and more
  • Buy now, pay later option: Figi’s no-interest Credit, which lets you make up to three delayed payments.
  • Credit required: There is a credit check, but no minimum necessary credit score is disclosed
  • Additional info: Figi’s may charge a fee of up to $15 for each late payment; Figi’s reserves the right to refuse further credit if you don’t make payment
  • How to apply: Select Figi’s no-interest Credit box at checkout to make three delayed, monthly payments. Figi’s credit department will contact you should they have any questions.
  • Delivery: Yes, only available in the U.S. and U.S. territories
  • Source: Figi’s Credit
  • Order from Figi’s

Fingerhut

  • Items available: Food gifts and baskets including cheese and meat samplers, snack gifts, candy, and popcorn
  • Buy now, pay later option: Fingerhut Credit Account issued by WebBank
  • Credit required: There is a credit check, but no minimum necessary credit score is disclosed
  • Additional info: A down payment may be required, and there’s a fee of up to $38 for late payments. If you don’t qualify for a WebBank/Fingerhut Advantage Revolving Credit Account, Fingerhut will automatically consider you for a WebBank/Fingerhut FreshStart Installment Loan.
  • How to apply: Apply online
  • Delivery: Shipping is available in the U.S. and U.S. territories. There’s a $13 surcharge for orders to AK, HI, US territories and APO/FPO addresses.
  • Source: Fingerhut Credit Account
  • Order from Fingerhut

Suggested Article: Websites like Fingerhut: 10+ Stores like Fingerhut (Easy Buy Now Pay Later)

HSN

  • Items available: Desserts, fruit, snacks, and more
  • Buy now, pay later option: FlexPay allows you to pay off the total cost of your HSN purchase in as many as five equal monthly payments.
  • Credit required: FlexPay orders may require credit verification by HSN. To find out if a credit report was requested, reach out to the HSN FlexPay Eligibility Department at (800) 879-2559.
  • Additional info: HSN will bill your credit card for the first monthly installment. The remaining balance is automatically billed to your credit card in equal monthly payments 30 days following the original purchase date. HSN does not charge interest or fees to use FlexPay.
  • How to apply: At checkout, select the FlexPay option
  • Delivery: Yes, available in the United States, Puerto Rico, Guam, and the Virgin Islands 
  • Source: HSN FlexPay
  • Order from HSN

QVC

  • Items available: Wine, desserts, ham and turkey dinners, lobster tails, etc.
  • Buy now, pay later options: The QCard, which is QVC’s store credit card, and QVC Easy Pay, which lets you purchase an item and make monthly payments at no additional charge when you use a major credit card (including the QCard). Easy Pay is only available for select items, so make sure you filter for them in your search.
  • Credit required: There’s a credit check for a QCard, but no minimum necessary credit score is disclosed. Easy Pay offers are contingent on QVC approval.
  • Additional info: For QVC Easy Pay, the monthly payment is the total cost of purchase divided by the specified number of payments. The first installment will be charged when the item ships and each additional payment will be billed approximately every 30 days following.
  • How to apply: Must have a QVC account for both options. Once you create an account, you may apply online for a QCard. To participate in Easy Pay, you simply select ‘Easy Pay’ during checkout (when available).
  • Delivery: Yes, delivery is available in the United States, US Virgin Islands, Puerto Rico, Guam, Palau, Marshall Islands, American Samoa, Northern Mariana Islands, and the Federated States of Micronesia
  • Source: QCard card benefits
  • Order from QVC

The Swiss Colony

  • Items available: Food gifts including but not limited to candy & chocolates, breakfast, bakery items, and sugar-free gifts
  • Buy now, pay later option: The Swiss Colony Credit, which allows for low monthly payments of $10.
  • Credit required: There is a credit check, but no minimum necessary credit score is disclosed.
  • Additional info: No annual fee for credit membership; membership generally allows for potential credit line increase, and the Swiss Colony may charge a fee of up to $15 for each late payment
  • How to apply: Apply by shopping. Then, during checkout, select ‘Open & Pay with a new Swiss Colony Credit Account’. Answer a few brief questions and submit your order. Applications are generally approved within 24 hours.
  • Delivery: Yes, delivery is available in the United States, US territories, and to APO and FPO addresses
  • Source: The Swiss Colony Credit
  • Order from The Swiss Colony

The Tender Filet

  • Items available: Beer, lamb, pork, poultry, seafood, sides, and desserts
  • Buy now, pay later option: The Tender Filet Credit Plan, which allows for low monthly payments of $10
  • Credit required: There is a credit check, but no minimum necessary credit score is disclosed.
  • Additional info: No annual fee for credit membership; membership generally increases your purchase power; the Tender Filet may charge a fee of up to $15 for each late payment
  • How to apply: Apply by shopping. Then, during checkout, select ‘Create a Tender Filet Credit Account’ and accept the Terms & Conditions. Submit your order, and you’re set. Applications are generally approved within 24 hours
  • Delivery: Yes, delivery is available in all states 
  • Source: The Tender Filet Credit Plan
  • Order from The Tender Filet

The Wisconsin Cheeseman

  • Items available: Cheese
  • Buy now, pay later option: The Wisconsin Cheeseman Credit Plan, which allows for low monthly payments of $10.
  • Credit required: There is a credit check, but no minimum necessary credit score is disclosed
  • Additional info: No annual fee for credit membership; membership helps secure credit for online shopping; the Wisconsin Cheeseman may charge a fee of up to $15 for each late payment.
  • How to apply: Apply by shopping. Then, during checkout, select ‘Create a New Wisconsin Cheeseman Credit Account’ and accept the Terms & Conditions. Submit your order, and you’re ready to go. Applications are generally approved within 24 hours.
  • Delivery: Yes, delivery is available in the United States, US territories, and to APO and FPO addresses
  • Source: The Wisconsin Cheeseman Credit Plan
  • Order from The Wisconsin Cheeseman

In Summary

If you’re looking for buy now, pay later plans for your food needs, there are many nationwide options to choose from that may fit your financial position. Many retailers also offer delivery, so you can purchase your groceries from home and have them delivered to your doorstep. Be sure to read all the details on these payment plans to ensure you make the choice that best suits you, and only use them for purchases you know you will be able to pay back.

Need more help with food? These Are the Stores That Take EBT

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