William Lipovsky
It’s a fact of life: whether it’s clothes, shoes, toys, or furniture, kids are always outgrowing things. When you need new gear for your kids, having buy now, pay later options can really help you budget for them.
With buy now, pay later programs, you can get the items you need and pay for them over time. In most cases, you’ll pay interest in addition to the total purchase amount. However, many buy now, pay later financing plans have special introductory offers with no interest if you pay in full before the financing term ends.
Continue on to find out where you can shop for buy now, pay later kids’ clothing, furniture, and toys through catalogs, online, or at a retail store near you — including options if you have poor credit or no credit.
The List
Catalogs
Fingerhut
- What Fingerhut sells for kids: Clothing, shoes, uniforms, baby gear, toys, furniture, and bedding[1]
- Buy now, pay later programs: Fingerhut Fetti Credit Account and Fingerhut FreshStart Loan[1]
- Credit level needed: No set requirement; multiple factors are considered for approval.[2]
- Deferred payment option: Yes, if eligible[3]
- Down payment: May be required; $30 down payment due for Fingerhut FreshStart[1][4]
- How to apply: Fill out the WebBank/Fingerhut online application
- Locations: Online only
- Order a free Fingerhut catalog
Masseys
- What Masseys sells for kids: Clothing, shoes, and backpacks[5]
- Buy now, pay later program: Masseys Credit[6]
- Credit level needed: Varies by purchase amount[7]
- Deferred payment option: First payment is due 30 days after purchase[7]
- Down payment: If you have lower credit, you may be required to make a down payment.[6]
- How to apply: Fill out the Masseys Credit online application
- Locations: Online and in Louisana[8]
- Order a free Masseys catalog
- Shop now
Mason Easy-Pay
- What Mason Easy-Pay sells for kids: Clothing, shoes, accessories, and school gear[9]
- Buy now, pay later program: Mason Easy-Pay Credit[10]
- Credit level needed: Varies by purchase amount[7]
- Deferred payment option: First payment is due 30 days after purchase[7]
- Down payment: Varies based on credit score and history[11]
- How to apply: Fill out the Mason Easy-Pay online application
- Locations: Online only
- Order a free Mason Easy-Pay catalog
- Shop now
Montgomery Ward
- What Montgomery Ward sells for kids: Clothing, shoes, toys, and furniture[12]
- Buy now, pay later program: Wards Credit[13]
- Credit level needed: No specific requirement[14]
- Deferred payment option: Varies according to creditworthiness[15]
- Down payment: If you have lower credit, you may be required to make a down payment. For other accounts, the first payment is due 30 days from date of purchase.[15]
- How to apply: Shop online at Montgomery Ward. Choose “Open a New Account” at checkout, then complete the online application.[15]
- Locations: Online only
- Order a free Montgomery Ward catalog
- Shop now
Seventh Avenue
- What Seventh Avenue sells for kids: Clothing, shoes, swimwear, toys, gear, and furniture[16]
- Buy now, pay later program: Seventh Avenue Credit[17]
- Credit level needed: Approval is based on credit history, not credit score[18][19]
- Deferred payment option: Varies according to creditworthiness[19]
- Down payment: If you have lower credit, you may be required to make a down payment. For other accounts, the first payment is due 30 days from date of purchase.[19]
- How to apply: Shop online at Seventh Avenue. Choose “Seventh Avenue Credit” at checkout, then complete the online application.[17]
- Locations: Online only
- Order a free Seventh Avenue catalog
- Shop now
Stoneberry
- What Stoneberry sells for kids: Clothing, shoes, baby gear, toys, and furniture[20]
- Buy now, pay later program: Stoneberry Credit[21]
- Credit level needed: Varies by purchase amount[7]
- Deferred payment options: First payment is due 30 days after purchase[7]
- Down payment: If you have lower credit, you may be required to make a down payment.[21]
- How to apply: Fill out the Stoneberry Credit online application
- Locations: Online only
- Order a free Stoneberry catalog
- Shop now
Buy Now, Pay Later Catalogs with Kids’ Toys and Furniture
Crate and Kids
- What Crate and Kids sells for kids: Furniture, bedding, décor, toys, and gifts[22]
- Buy now, pay later program: Crate and Barrel Credit Card[23]
- Credit level needed: No specific requirement[24]
- Deferred payment option: None[25]
- Down payment: None[25]
- How to apply: Fill out the Crate and Barrel Credit Card Application online, or apply in-store at any location.
- Locations: Online, in 20+ U.S. states, Ontario, and British Columbia[26]
- Order a free Crate and Kids catalog
Want to know when Crate and Barrel has sales? See our article for details.
Pottery Barn
- What Pottery Barn sells for kids: Furniture, baby gear, bath and bedding, décor, toys, and gifts[27]
- Buy now, pay later program: Pottery Barn Kids Credit Card[28]
- Credit level needed: Not disclosed by the issuing bank (Comenity Capital Bank)
- Deferred payment option: Yes; first payment is due 30 days from the date of purchase
- Down payment: None
- How to apply: Fill out the Pottery Barn Kids Credit Account Application online, or apply in-store at any Williams Sonoma Inc. location.[29]
- Locations: Online and in most U.S. states[30]
- Order a free Pottery Barn catalog
Online and Retail Stores
Boscov’s
- What Boscov’s sells for kids: Clothing, shoes, accessories, décor, and furniture[31]
- Buy now, pay later program: Boscov’s Credit Card[32]
- Credit level needed: Not disclosed by the issuing bank (Comenity Capital Bank)
- Deferred payment option: Payments due at least 25 days after each billing period[33]
- Down payment: None[33]
- How to apply: Fill out the Boscov’s credit card application online, or apply in-store at any Boscov’s location.
- Locations: Online and in CT, DE, MD, NJ, NY, OH, PA, and RI[34]
Gap
- What Gap sells for kids: Clothing, shoes, and accessories[35]
- Buy now, pay later program: GapCard (can also be used at Old Navy, Banana Republic, and Athleta retail and online stores)[36]
- Credit level needed: No specific requirement[24]
- Deferred payment option: Payments due at least 23 days after the close of each billing cycle[37]
- Down payment: None[38]
- How to apply: Fill out the GapCard application online, or apply in-store at any Gap location.
- Locations: Nationwide
Old Navy
- What Old Navy sells for kids: Clothing, shoes, and accessories[39]
- Buy now, pay later program: Old Navy Credit Card (can also be used at Gap, Banana Republic, and Athleta retail and online stores)[36]
- Credit level needed: No set requirement; multiple factors are considered for approval.[40]
- Deferred payment options: No; payment due date depends on date of credit card approval[40]
- Down payment: None[40]
- How to apply: Fill out the Old Navy Card application online, or apply in-store at any Old Navy location.
- Locations: Nationwide
The Children’s Place
- What The Children’s Place sells for kids: Clothing, shoes, and accessories[41]
- Buy now, pay later program: My Place Rewards Credit Card[42]
- Credit level needed: Not disclosed by issuing bank (Comenity Capital Bank)
- Deferred payment option: Payments due at least 25 days after each billing period[43]
- Down payment: None[43]
- How to apply: Fill out the My Place Rewards Credit Card application online, or in-store at any The Children’s Place location.
- Locations: Nationwide except for Alaska[44]
Wayfair
- What Wayfair sells for kids: Furniture, décor, and outdoor toys[45]
- Buy now, pay later program: Buy Now, Pay Later with Affirm[46][47]
- Credit level needed: No set requirement; multiple factors are considered for approval.[48]
- Deferred payment option: Varies by customer[49]
- Down payment: May be required; if not, the first payment is due a month from date of purchase.[49]
- How to apply: Shop the Wayfair website and choose the “Financing with Affirm” option at checkout.[46]
- Locations: Online only
- Shop now
