Buy Now, Pay Later Makeup Options

Short Answer: Buy now, pay later makeup is available from online cosmetics retailers like Beauty Bay and ColourPop. You can also get buy now, pay later makeup from Sephora, Ulta Beauty, department stores like Macy’s and Nordstrom, and big-box stores like Target and Walmart. Buy now, pay later options vary from flexible payments to a line of credit. For more details, including credit requirements, how payments are scheduled, and how to use buy now, pay later at your preferred retailer, see below.

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Buy Now, Pay Later Makeup Options

Makeup, especially high-end makeup, can quickly add up to a big expense. Rather than breaking the bank, you can purchase makeup using buy now, pay later financing at several online and brick-and-mortar retailers. Popular cosmetics retailers Sephora and Ulta Beauty have their own store-branded credit cards that you can apply for and use to make a purchase immediately; you’ll then make monthly payments on your account balance. Several department and retail stores have the same option. But, keep in mind, store credit cards usually carry high interest rates and often require a “hard” credit inquiry, which can affect your credit score. For non-credit finance options, try one of the online cosmetics retailers listed below like Beautylish, where your purchase total can be split into monthly payments; no credit check required.

Cosmetics Retailers (Online and In-Store)

Beauty Bay

Beauty Bay is an online cosmetics retailer based in the United Kingdom that sells a variety of makeup products, including foundations, bronzers, eyeshadow palettes, lipsticks, and brushes.

  • Buy now, pay later option(s): Pay Later with Klarna; Klarna Financing is a Swedish payment service provider
  • Credit requirements: A “soft” credit check is required
  • Payment policy: If you’re approved for Pay Later with Klarna, you will have 14 to 30 days (depending on your country) from the time your order ships to provide payment.
  • Interest/fees: Interest and fees may be assessed if you do not make your payment by the due date; amounts will vary.
  • How to use: Apply by selecting Pay Later with Klarna at checkout when shopping on Beauty Bay’s website.
  • Source: Beauty Bay’s Klarna help page

Beauty Cutie

Beauty Cutie is an online cosmetics retailer based in the United Kingdom that sells a variety of makeup products, including foundations, concealers, bronzers, eyeshadow palettes, lip tints, tools, and brushes.

  • Buy now, pay later option(s): Pay Later and Slice It by Klarna
  • Credit requirements: A soft credit check is required
  • Payment policy: If you’re approved for Pay Later, you will have 14 to 30 days (depending on your country) from the time your order ships to provide payment. With Slice It, your total purchase price will be split into equal monthly payments, plus interest.
  • Interest/fees: Pay Later and Slice It are subject to interest and late fees; rates vary
  • How to use: Apply by selecting Pay Later or Slice It at checkout when shopping on Beauty Cutie’s website.
  • Source: Beauty Cutie website; Beauty Cutie Klarna FAQ

Beautylish

Beautylish is an online cosmetics retailer that sells a variety of makeup products, including foundations, powders, concealers, eye palettes and sets, sprays, brushes, and tools.

  • Buy now, pay later option(s): Flexible Payments
  • Credit requirements: No credit check is required, but you must have either a credit or debit card that you can link for monthly payments.
  • Payment policy: Your total purchase price will be split into monthly payments; the first payment is due at checkout. The number of required monthly payments will depend on the total amount of your order.
  • Interest/fees: No interest or added fees
  • How to use: Choose Pay with Flexible Payments at checkout and provide the credit or debit card you would like to use for future payments.
  • Source: Beautylish Flexible Payments page

ColourPop

ColourPop is an online cosmetics retailer that sells a variety of makeup products, including foundations, blushes, and eyeshadow palettes.

  • Buy now, pay later option(s): Installments by Afterpay (for U.S. customers only)
  • Credit requirements: No credit check is required
  • Payment policy: Your total purchase price will be split into four equal payments; the first payment is due at checkout.
  • Interest/fees: Afterpay does not charge interest but late fees may be assessed. Keep in mind, if you use a credit card as your Afterpay payment method, you may incur interest charges on your credit card until the balance is paid off.
  • How to use: Set up an Afterpay account with your preferred payment method, then choose Installments by Afterpay at checkout when shopping on ColourPop’s website.
  • Source: ColourPop Customer Care; Afterpay website

Sephora

Sephora is an online and nationwide brick-and-mortar cosmetics retailer that sells a wide variety of makeup products, including foundations, concealers, powders, blushes, eyeshadow palettes, lipsticks, tools, brushes, and accessories.

  • Buy now, pay later option(s):
    • Sephora Credit Card: Card can be used on Sephora.com and at Sephora stores, including stores located inside JCPenney
    • Sephora Visa: Card can be used anywhere Visa is accepted
  • Credit requirements: A hard credit check is required for both cards
  • Payment policy: Minimum monthly payments are required for both cards
  • Interest/fees: Interest rates vary; fees will be incurred for late and returned payments
  • How to use: Apply in-store or online by signing in to your Sephora account or creating a new one. Comenity Bank, the issuing bank, will determine which card you are eligible for based on your application.
  • Source: Sephora customer service representatives
  • See our related article on where to buy Sephora gift cards.

Ulta Beauty

Ulta Beauty is an online and nationwide brick-and-mortar cosmetics retailers that sells a wide variety of makeup products, including foundations, concealers, powders, eyeshadow palettes, lipsticks, tools, brushes, and accessories.

  • Buy now, pay later option(s):
    • Ultamate Rewards Credit Card: Card can be used on Ulta purchases
    • Ultamate Rewards Mastercard: Card can be used anywhere Mastercard is accepted
  • Credit requirements: A hard credit check is required for both cards
  • Payment policy: Minimum monthly payments are required for both cards
  • Interest/fees: Interest rates vary; fees will be incurred for late and returned payments
  • How to use: Apply in-store or online by signing in to your Ulta account or creating a new one.
  • Source: Ulta customer service representatives; Ulta Credit Card page
  • See our related article for information on makeover costs and services at Ulta.

Department Stores

Bloomingdale’s

Bloomingdale’s sells a variety of makeup products — including high-end makeup — brushes, and tools. You can shop online and in stores.

  • Buy now, pay later option(s):
    • Bloomingdale’s Credit Card: Card can only be used for Bloomingdale’s purchases
    • Bloomingdale’s American Express: Card can be used anywhere American Express is accepted
  • Credit requirements: A hard credit inquiry is required for both cards
  • Payment policy: Minimum monthly payments are required for both cards
  • Interest/fees: Interest rates vary; fees will be incurred for late and returned payments
  • How to use: Apply for a Bloomingdale’s credit card in-store with a valid government-issued photo ID or fill out a Bloomingdale’s online credit application. If you are approved for both the store credit card and the American Express card, you will be given the option to choose.
  • Source: Bloomingdale’s customer service representatives

Dillard’s

Dillard’s sells a variety of makeup products — including high-end makeup — brushes, and tools. You can shop online and in stores.

  • Buy now, pay later option(s):
    • Dillard’s Credit Card: Card can only be used for Dillard’s purchases
    • Dillard’s American Express: Card can be used anywhere American Express is accepted
  • Credit requirements: A hard credit inquiry is required for both cards
  • Payment policy: Minimum monthly payments are required for both cards
  • Interest/fees: Interest rates vary; fees will be incurred for late and returned payments
  • How to use: Apply for a Dillard’s credit card in-store with a valid government-issued photo ID or fill out a Dillard’s online credit application. The bank will determine which card you are eligible for based on your credit.
  • Source: Dillard’s customer service representatives
  • Who doesn’t love a sale? Find out when Dillard’s has sales in our related article.

JCPenney

JCPenney sells a variety of makeup products; select JCPenney locations have a Sephora in-store. You can shop online and in stores.

  • Buy now, pay later option(s):
    • JCPenney Credit Card: Card can be used for JCPenney purchases and at Sephora stores located inside JCPenney
    • JCPenney Mastercard: Card can be used anywhere Mastercard is accepted
  • Credit requirements: A hard credit check is required for both cards
  • Payment policy: Minimum monthly payments are required for both cards
  • Interest/fees: Interest rates vary; fees will be incurred for late and returned payments
  • How to use: Apply for a JCPenney store credit card in-store with a valid, government-issued photo ID or fill out a JCPenney online credit application. Application for the JCPenney Mastercard is by invitation only once you’ve reached a certain status with the JCPenney store credit card.
  • Source: JCPenney customer service representatives; Synchrony Bank customer service representatives
  • Have the card already and want to request a JCPenney credit card limit increase? See our related article for details.

Kohl’s

Kohl’s sells a variety of makeup products, brushes, and cosmetic bags. You can shop online and in stores.

  • Buy now, pay later option(s): Kohl’s Charge Card
  • Credit requirements: A hard credit check is required
  • Payment policy: Minimum monthly payments are required
  • Interest/fees: Interest rates vary; fees will be incurred for late and returned payments
  • How to use: Apply for a Kohl’s Charge Card in-store with a valid, government-issued photo ID or fill out a Kohl’s online credit application.
  • Source: Kohl’s customer service representatives
  • For the list of payment types accepted at Kohl’s, see our related article.

Lord & Taylor

Lord & Taylor sells a variety of makeup products — including high-end makeup — and brushes. You can shop online and in stores.

  • Buy now, pay later option(s): Lord & Taylor Credit Card
  • Credit requirements: A hard credit inquiry is required
  • Payment policy: Minimum monthly payments are required
  • Interest/fees: Interest rates vary; fees will be incurred for late and returned payments
  • How to use: Apply for a Lord & Taylor credit card in-store with a valid, government-issued photo ID or fill out a Lord & Taylor online credit application.
  • Source: Lord & Taylor website; Capital One customer service representatives

Macy’s

Macy’s sells a variety of makeup products — including high-end makeup — and brushes. You can shop online and in stores.

  • Buy now, pay later option(s):
    • Macy’s Card: Card can be used only for Macy’s purchases
    • Macy’s American Express: Card can be used anywhere American Express is accepted
  • Credit requirements: A hard credit inquiry is required for both cards
  • Payment policy: Minimum monthly payments are required for both cards
  • Interest/fees: Interest rates vary; fees will be incurred for late and returned payments
  • How to use: Apply for a Macy’s credit card in-store with a valid, government-issued photo ID or fill out a Macy’s online credit application.
  • Source: Macy’s credit department customer service representatives
  • See our article about Macy’s price match policy.

Neiman Marcus

Neiman Marcus sells a variety of makeup products — including high-end makeup — and brushes. You can shop online or in stores.

  • Buy now, pay later option(s): Neiman Marcus Credit Card: Card can be used at Neiman Marcus, Last Call, Bergdorf Goodman, and Horchow
  • Credit requirements: A hard credit inquiry is required
  • Payment policy: Minimum monthly payments are required
  • Interest/fees: Interest rates vary; fees will be incurred for late and returned payments
  • How to use: Apply for a Neiman Marcus credit card in-store with a valid, government-issued photo ID or fill out a Neiman Marcus online credit application.
  • Source: Neiman Marcus customer service representatives
  • For information on your Neiman Marcus credit card approval odds, see our article.

Nordstrom

Nordstrom sells a variety of makeup products — including high-end makeup — and brushes. You can shop online and in stores.

  • Buy now, pay later option(s):
    • Nordstrom Retail credit card: Card can be used for Nordstrom and Nordstrom Rack purchases
    • Nordstrom Visa credit card: Card can be used anywhere Visa is accepted
  • Credit requirements: A hard credit inquiry is required for both cards
  • Payment policy: Minimum monthly payments are required for both cards
  • Interest/fees: Interest rates vary; fees will be incurred for late and returned payments
  • How to use: Apply for a Nordstrom credit card in-store with a valid, government-issued photo ID or fill out a Nordstrom online credit application.
  • Source: Nordstrom customer service representatives

Other Retailers

Amazon

Amazon sells a variety of makeup products, brushes, tools, and accessories. Amazon is online-only.

  • Buy now, pay later option(s): Amazon Store Card
  • Credit requirements: A hard credit inquiry is required
  • Payment policy: Minimum monthly payments are required
  • Interest/fees: Interest rates vary; fees will be incurred for late and returned payments. You do not have to be an Amazon Prime member to apply for the Amazon Store Card; however, Prime members earn 5% cash back on Amazon purchases. Prime membership is available through Amazon for $119 a year or $12.99 a month.
  • How to use: Apply online through Amazon
  • Source: Amazon customer service representative; Synchrony Bank customer service representatives

Fingerhut

Fingerhut sells a variety of makeup products, brushes, and accessories. Fingerhut is online-only.

  • Buy now, pay later option(s):
    • The Fingerhut Advantage Credit Account: The Advantage account is a revolving credit account like a line of credit. You can make purchases at any time provided you have the available credit.
    • The Fingerhut FreshStart Credit Account: The FreshStart account is a credit account that is only good for one-time use. Once you have paid off your purchase, you can apply for another one-time use or revolving credit account.
  • Credit requirements: A soft credit inquiry is required for both accounts
  • Payment policy: Minimum monthly payments are required for both accounts
  • Interest/fees: Interest rates vary; fees will be incurred for late and returned payments
  • How to use: Apply online through Fingerhut
  • Source: Fingerhut website; Fingerhut customer service representatives
  • Find out how to request a credit increase from Fingerhut in our related article.

Gettington

Gettington sells a variety of makeup products, brushes, and accessories. Gettington is online-only.

  • Buy now, pay later option(s): Gettington Credit Account
  • Credit requirements: A soft credit check is required
  • Payment policy: Minimum monthly payments are required
  • Interest/fees: Interest rates vary; fees will be incurred for late and returned payments
  • How to use: Apply online through Gettington
  • Source: Gettington website; Gettington customer service representatives

HSN (Home Shopping Network)

HSN sells a variety of makeup products, brushes, and accessories. Shop HSN by phone or online.

Overstock

Overstock sells a variety of makeup products, brushes, and accessories. Overstock is online-only.

  • Buy now, pay later option(s): Overstock Store Credit Card
  • Credit requirements: A soft credit inquiry is required
  • Payment policy: Minimum monthly payments are required
  • Interest/fees: If there is an interest-free promotional period, no interest will be charged until the promotional period ends. After that, interest rates vary. Fees will be incurred for late and returned payments.
  • How to apply: Apply online by signing into your Overstock account or creating a new one.
  • Source: Overstock customer service representatives; Comenity Bank customer service representatives
  • Find out how to use the “shopping cart” trick to get an Overstock credit card in our related article.

QVC

QVC sells a variety of makeup products, brushes, and accessories. Shop QVC by phone or online.

  • Buy now, pay later option(s): QCard
  • Credit requirements: A hard credit check is required
  • Payment policy: Minimum monthly payments are required
  • Interest/fees: Some items are eligible for an interest-free promotional period. After that, interest rates vary. Fees will be incurred for late and returned payments
  • How to use: Apply online through QVC
  • Source: QVC website; QVC customer service representatives; Synchrony Bank customer service representatives

Stoneberry (including Masseys, Mason Easy Pay, and K. Jordan)

Stoneberry sells a variety of makeup products, cosmetic bags, and accessories. Stoneberry is online-only.

  • Buy now, pay later option(s): Stoneberry Credit
  • Credit requirements: A hard credit check is required
  • Payment policy: Minimum monthly payments are required
  • Interest/fees: Interest rates vary; fees may be incurred for late and returned payments
  • How to use: Apply online through Stoneberry by adding items to your cart and selecting Stoneberry Credit as your payment method. Upon completion, you will receive an order number; check back online or call customer service to find out if you were approved. The approval process can take up to 48 hours.
  • Source: Stoneberry Credit FAQs; Stoneberry customer service representatives

Target

Target sells a variety of makeup products, brushes, and accessories. You can shop online and in stores.

  • Buy now, pay later option(s): Target REDCard Credit Card
  • Credit requirements: A hard credit check is required
  • Payment policy: Minimum monthly payments are required
  • Interest/fees: Interest rates vary; active military may receive a lower interest rate. Fees will be incurred for late and returned payments.
  • How to use: Apply for a Target REDCard in-store with a valid, government-issued photo ID or fill out a Target online credit application.
  • Source: Target website; Target customer service representatives

Walmart

Walmart sells a variety of makeup products, brushes, and accessories. You can shop online or in stores.

  • Buy now, pay later option(s): Walmart Credit Card
  • Credit requirements: A hard credit inquiry is required
  • Payment policy: Minimum monthly payments are required
  • Interest/fees: Interest rates vary; fees will be incurred for late and returned payments
  • How to use: Apply for a Walmart credit card in-store with a valid, government-issued photo ID or fill out a Walmart online credit application.
  • Source: Walmart website; Walmart customer service representatives
  • For information about the Walmart makeup return policy, see our article. Have the Walmart Credit Card already and want to request a credit increase from Walmart? See our related article for details.

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