13 Buy Now, Pay Later Kids Catalogs & Stores (Clothes, Toys, etc)

Young mother shopping at a buy now, pay later kids store with her daughter

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.

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The List

Catalogs

Fingerhut logo

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 logo

Masseys

Mason Easy Pay logo

Mason Easy-Pay

Montgomery Ward logo

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 logo

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 logo

Stoneberry

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

Crate and Kids logo

Crate and Kids

Want to know when Crate and Barrel has sales? See our article for details.

Pottery Barn logo

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

Boscovs logo

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 logo

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 logo

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 Childrens Place logo

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 logo

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
  1. https://www.fingerhut.com/[][][]
  2. Fingerhut credit department (800) 208-2500[]
  3. https://www.fingerhut.com/content/customerservice#faq-payments[]
  4. https://www.fingerhut.com/information/creditTermsConditions[]
  5. https://www.masseys.stoneberry.com/kids/_/N-1soutac[]
  6. https://www.masseys.stoneberry.com/customer-service/faqs/detail/masseys-credit-terms/_/A-1565[][]
  7. Stoneberry Credit customer service (800) 704-5480[][][][][][]
  8. https://masseysoutfitters.com/pages/locations[]
  9. https://www.masoneasypay.stoneberry.com/kids/_/N-1dzkyje[]
  10. https://www.masoneasypay.stoneberry.com/customer-service/faqs/detail/about-mason-easy-pay-credit/_/A-1606[]
  11. https://www.masoneasypay.stoneberry.com/customer-service/faqs/detail/down-payment-amount/_/A-1629[]
  12. https://www.wards.com/[]
  13. https://www.wards.com/cm/buy-now-pay-later/[]
  14. Montgomery Ward Credit customer service (866) 233-7890[]
  15. https://www.wards.com/resources/credit/montgomery-ward-credit-faq/[][][]
  16. https://www.seventhavenue.com/[]
  17. https://www.seventhavenue.com/cm/buy-now-pay-later/[][]
  18. Seventh Avenue Credit customer service (866) 212-8369[]
  19. https://www.seventhavenue.com/cm/frequently-asked-questions-faq.html[][][]
  20. https://www.stoneberry.com/[]
  21. https://www.stoneberry.com/customer-service/faqs/detail/stoneberry-credit-terms/_/A-1587[][]
  22. https://www.crateandbarrel.com/kids/[]
  23. https://www.crateandbarrel.com/rewards/?sitecode=crbcfbyd0[]
  24. Synchrony Bank credit card department (866) 419-4096[][]
  25. Crate & Barrel customer service (800) 967-6696[][]
  26. https://www.crateandbarrel.com/stores/list-state/kids-furniture-stores[]
  27. https://www.potterybarnkids.com/?cm_type=gnav[]
  28. https://www.potterybarnkids.com/pages/credit-card/[]
  29. https://www.potterybarnkids.com/pages/credit-card.html[]
  30. https://www.potterybarn.com/stores/[]
  31. https://www.boscovs.com/category/babyandkids[]
  32. https://d.comenity.net/ac/boscovs/public/home[]
  33. https://d.comenity.net/legaldocs/boscovs/legal-documents/cca[][]
  34. https://locations.boscovs.com/index.html[]
  35. https://www.gap.com/[]
  36. https://athleta.gap.com/Asset_Archive/AllBrands/Loyalty/terms/loyalty-terms.html[][]
  37. https://www.synchronybankterms.com/gecrbterms/pdf/GapCreditCard.pdf[]
  38. Gap online chat[]
  39. https://oldnavy.gap.com/[]
  40. Barclay/Old Navy credit card services (800) 308-6008[][][]
  41. https://www.childrensplace.com/us/home[]
  42. https://www.childrensplace.com/us/content/place-card/?ecid=mprcc_txt_learn_glft_100916[]
  43. https://d.comenity.net/childrensplace/pub/requestCca/requestCca.xhtml[][]
  44. https://www.childrensplace.com/us/stores[]
  45. https://www.wayfair.com/baby-kids/cat/baby-kids-c45226.html[]
  46. https://www.affirm.com/shopping/stores/wayfair[][]
  47. https://www.wayfair.com/help/article/payment_methods[]
  48. https://helpcenter.affirm.com/s/article/loan-approvals[]
  49. https://helpcenter.affirm.com/s/article/see-my-balance[][]

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