17 Buy Now, Pay Later Kids Catalogs and Stores (For Clothes, Toys, etc)

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 out your budget.

With buy now, pay later programs, you can get the kids’ 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.

Read 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. Buy now, pay later kids catalogs and stores and catalogs are readily available. Buy now, pay later kids clothes and more.

Buy Now, Pay Later Kids’ Catalogs

The following stores offer free mailed catalogs with buy now, pay later financing for kids’ clothes and items. In some cases, you can also shop these stores online or in physical retail locations.

Buy Now, Pay Later Catalogs with Kids’ Clothing (and More)

Fingerhut

  • What Fingerhut sells for kids: Clothing, shoes, uniforms, baby gear, toys, furniture, and bedding
  • Buy now, pay later programs: Fingerhut Credit Line, Fingerhut FreshStart Loan
  • Credit level needed: Fair to excellent for credit line; bad credit/no credit typically approved for FreshStart loan
  • Deferred payment option: None
  • Down payment: First monthly payment due at time of purchase for credit line; minimum $30 down payment for FreshStart loan
  • Source: Fingerhut Terms and Conditions
  • How to apply: Fill out the WebBank/Fingerhut online application
  • Order a free Fingerhut catalog
  • Locations: Online only

Masseys

  • What Masseys sells for kids: Clothing, shoes, and backpacks
  • Buy now, pay later program: Masseys Credit
  • Credit level needed: Fair or better
  • Deferred payment option: Varies according to creditworthiness
  • 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.
  • Source: Masseys Credit Terms & Conditions
  • How to apply: Shop online at Masseys, and then choose “Masseys Credit” at checkout. Credit decisions are typically made instantly, although some applications may take up to one business day to process.
  • Order a free Masseys catalog
  • Locations: Online only
  • Shop now

Mason Easy-Pay

  • What Mason Easy-Pay sells for kids: Clothing, shoes, accessories, and school gear
  • Buy now, pay later program: Mason Easy-Pay Credit
  • Credit level needed: Fair or better
  • Deferred payment option: Varies according to creditworthiness
  • 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.
  • Source: Mason Easy-Pay Credit FAQs
  • How to apply: Shop online at Mason Easy-Pay, and then choose “Mason Easy-Pay Credit” at checkout. Credit decisions are typically made instantly, although some applications may take up to one business day to process.
  • Order a free Mason Easy-Pay catalog
  • Locations: Online only
  • Shop now

Montgomery Ward

  • What Montgomery Ward sells for kids: Clothing, shoes, toys, and furniture
  • Buy now, pay later program: Wards Credit
  • Credit level needed: Fair or better
  • Deferred payment option: Varies according to creditworthiness
  • 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.
  • Source: Wards Credit page and customer service representative
  • How to apply: Shop online at Montgomery Ward, and then choose “Wards Credit” at checkout. Credit decisions are typically made instantly, although some applications may take up to one business day to process.
  • Order a free Montgomery Ward catalog
  • Locations: Online only
  • Shop now

Seventh Avenue

  • What Seventh Avenue sells for kids: Clothing, shoes, swimwear, toys, gear, and furniture
  • Buy now, pay later program: Seventh Avenue Credit
  • Credit level needed: Fair or better
  • Deferred payment option: Varies according to creditworthiness
  • 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.
  • Source: Seventh Avenue Buy Now, Pay Later page
  • How to apply: Shop online at Seventh Avenue, and then choose “Seventh Avenue Credit” at checkout. Credit decisions are typically made instantly, although some applications may take up to one business day to process.
  • Order a free Seventh Avenue catalog
  • Locations: Online only
  • Shop now

Stoneberry

  • What Stoneberry sells for kids: Clothing, shoes, baby gear, toys, and furniture
  • Buy now, pay later program: Stoneberry Credit
  • Credit level needed: Fair or better
  • Deferred payment options: Varies according to creditworthiness
  • 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.
  • Source: Stoneberry Credit FAQs
  • How to apply: Shop online at Stoneberry, and then choose “Stoneberry Credit” at checkout. Credit decisions are typically made instantly, although some applications may take up to one business day to process.
  • Order a free Stoneberry catalog
  • Locations: Online only
  • 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
  • Buy now, pay later program: Crate and Barrel Credit Card
  • 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
  • Source: Crate and Barrel Credit Card page (click on “Terms and Conditions” for details)
  • How to apply: Fill out the Crate and Barrel Credit Card Application online, or apply in-store at any location.
  • Order a free Crate and Kids catalog
  • Locations: CA, IL, MA, WA

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
  • Buy now, pay later program: Pottery Barn Kids Credit Card
  • 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
  • Source: Pottery Barn credit card page
  • How to apply: Fill out the Pottery Barn Kids Credit Account Application online, or apply in-store at any Pottery Barn location.
  • Order a free Pottery Barn catalog
  • Locations: Nationwide except for AK and HI

Buy Now, Pay Later Kids’ Stores (Retail and Online)

These retail and online stores don’t offer free catalogs but do offer buy now, pay later financing for a variety of children’s items, including clothing and shoes, kids’ furniture, and toys.

Buy Now, Pay Later Stores with Kids’ Clothes (and More)

Boscov’s

  • What Boscov’s sells for kids: Clothing, shoes, accessories, décor, and furniture
  • Buy now, pay later program: Boscov’s Credit Card
  • 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 Boscov’s credit card application online, or apply in-store at any Boscov’s location.
  • Locations: CT, DE, MD, NJ, NY, OH, PA
  • Source: Boscov’s Credit Card Home page (click on “Boscov’s Rewards Terms and Conditions” for details)

Century 21

  • What Century 21 sells for kids: Clothing, shoes, bedding, toys, and accessories
  • Buy now, pay later program: C21STATUS Credit Card
  • 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
  • Source: C21STATUS Frequently Asked Questions
  • How to apply: Fill out the C21STATUS Credit Card Application online, or apply in-store at any Century 21 location.
  • Locations: FL, NJ, NY, PA

Gap

  • What Gap sells for kids: Clothing, shoes, and accessories
  • Buy now, pay later program: GapCard (can also be used at Old Navy, Banana Republic, and Athleta retail and online stores)
  • Credit level needed: Fair or better
  • Deferred payment option: Yes; first payment is due 30 days from the date of purchase
  • Down payment: None
  • Source: Gap/Synchrony Bank Terms and Conditions
  • How to apply: Fill out the GapCard application online, or apply in-store at any Gap location.
  • Locations: Nationwide

Gettington

  • What Gettington sells for kids: Clothing, shoes, baby gear, toys, and furniture
  • Buy now, pay later program: Gettington Credit
  • Credit level needed: Fair or better
  • Deferred payment option: No
  • Down payment: First monthly payment is due at time of purchase
  • Source: Gettington Credit Account application (scroll down to view Terms & Conditions)
  • How to apply: Fill out the Application for Gettington Credit online
  • Locations: Online only

Kmart

  • What Kmart sells for kids: Clothing, shoes, accessories, baby gear, toys, and furniture
  • Buy now, pay later options: Kmart Leasing
  • Credit level needed: No credit check required. To qualify, you must be 18 or older with a valid Social Security number, driver’s license or government-issued ID, and earn at least $1,000 per month.
  • Deferred payment option: None
  • Down payment: First payment due at time of purchase
  • Source: Kmart Leasing page
  • How to apply: Fill out the online Sears LeaseIt application or apply in-store at any Kmart location.
  • Locations: Nationwide

Old Navy

  • What Old Navy sells for kids: Clothing, shoes, and accessories
  • Buy now, pay later program: Old Navy Card (can also be used at Gap, Banana Republic, and Athleta retail and online stores)
  • Credit level needed: Fair or better
  • Deferred payment options: Yes; first payment is due 30 days from the date of purchase
  • Down payment: None
  • Source: Gap Inc./Old Navy Terms and Conditions
  • How to apply: Fill out the Old Navy Card application online, or apply in-store at any Old Navy location.
  • Locations: Nationwide

Sears

  • What Sears sells for kids: Clothing, shoes, accessories, baby gear, toys, and furniture
  • Buy now, pay later program: Sears Leasing
  • Credit level needed: No credit check required. To qualify, you must be 18 or older with a valid Social Security number, driver’s license or government-issued ID, and earn at least $1,000 per month.
  • Deferred payment option: None
  • Down payment: First payment due at time of purchase
  • Source: Sears Leasing page
  • How to apply: Fill out the online Sears LeaseIt application or apply in-store at any Sears location.
  • Locations: Nationwide

The Children’s Place

  • What The Children’s Place sells for kids: Clothing, shoes, and accessories
  • Buy now, pay later program: My Place Rewards Credit Card
  • Credit level needed: Not disclosed by issuing bank (Comenity Capital Bank)
  • Deferred payment option: Yes; first payment is due 30 days after date of purchase
  • Down payment: None
  • Source: The Children’s Place card offer page
  • 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 AK and HI

Buy Now, Pay Later Stores with Kids’ Toys and Furniture

Wayfair

  • What Wayfair sells for kids: Furniture, décor, and outdoor toys
  • Buy now, pay later program: Buy Now, Pay Later with Affirm
  • Credit level needed: Most shoppers are approved, including those with bad credit or no credit
  • Deferred payment option: Varies according to creditworthiness
  • Down payment: Customers with lower credit may be required to make a down payment. For other accounts, the first payment is due 30 days from date of purchase.
  • How to apply: Shop the Wayfair website and choose the “Financing with Affirm” option at checkout.
  • Locations: Online only
  • Source: Wayfair Buy Now, Pay Later with Affirm page
  • Shop now

Walmart owns Wayfair, so many readers have wondered if they can simply return products to Walmart. Here’s our article about returning Wayfair items to Walmart.

In Summary

Buy now, pay later kids’ clothing, toy, and furniture financing can be a great option for any parent looking to stretch their budget. You can take home the items you need right away, and then pay for them over time — even if you don’t have the best credit record. With many kids’ catalogs and stores offering buy now, pay later financing, you’re sure to find the right choice for you and your family.

Ready to buy something nice for the adults? Here’s the list of buy now, pay later jewelry stores with easy credit approval.